Libby R. Telford, Advisor

Did you check the box for mortgage insurance at the bank? Don't just settle for the default insurance offered by your lender. Securing your own personal term policy through iA Financial Group offers three massive advantages that most bank plans don't:

1️⃣ You choose the beneficiaries. Ensure the payout goes to your partner and kids to use as they need, not directly to the bank.
2️⃣ Your premium is fixed for the term. No unexpected surprises or rate hikes.
3️⃣ You keep the contract. If you switch lenders to get a better mortgage rate later, you don't have to re-qualify for insurance.
Get a quote now: https://ia.ca/individuals/insurance/mortgage-insurance/mortgage-insurance-calculator?uid=ZIEL4I

I spent two decades ensuring technical systems were resilient, but I eventually realized my own personal financial system had a massive gap because I hadn’t properly protected my most valuable financial asset.

Income Protection Insurance (disability insurance) serves as the critical first layer in my 5-Layer Lifestyle Protection Approach because it ensures that if you are unable to work, your paycheque remains secure.

One insight I wish I had embraced earlier is that the best time to lock in this protection is when you and your family are younger. Because premiums and availability are determined by factors like age and health, securing coverage early ensures that your monthly premiums remain much more affordable.

This makes the plan significantly easier to manage during those inevitable “dry periods” of no work, such as the gaps in between contract renewals or the off-season for seasonal workers.

Why Income Protection is the “Source Code” of Your Financial Plan – Libby R. Telford – Life & Health Insurance Advisor In my previous career managing IT infrastructure and requirements gathering for global brands, I learned that even the most beautiful interface is useless if th

I moved to Huntsville in 2019, after spending two decades in and out of the tech industry. I’ve learned that a well-built life in Muskoka requires the same quality assurance I once applied to global brands I worked with. I realized that while I was focused on the “view and serenity,” I hadn’t fully secured the “value” of my earning years. Now, I help fellow Muskokans use a 5-Layer Lifestyle Protection Approach to ensure that “life not going as planned” doesn’t undo the independence they’ve worked so hard to achieve.

Financial Resilience in Rugged Muskoka – Libby R. Telford – Life & Health Insurance Advisor For a long time, the narrative of Muskoka was about the great escape—the Friday afternoon dash to the dock. But as many of us in our 30s and 40s have realized,

I had a personal epiphany: I had spent years building digital foundations for others while neglecting my own financial foundation.

I realized with a heavy heart that there were potential threats to my financial independence that I hadn’t prepared for. That “missed time” felt like a weight, but it also sparked a new passion. I began a journey of self-education, eventually enrolling in Ontario’s HLLQP licensing program and joining iA Financial Group (Industrial Alliance)...

Why I became an advisor – Libby R. Telford – Life & Health Insurance Advisor From Technical Infrastructure to Financial Foundations Listen to a 13-minute podcast on why I pivoted from 20 years of 'requirements gathering' in IT to buildin

In my previous career managing complex IT projects, I learned that a project is only as successful as its initial “requirements gathering” phase. Today, I apply that same meticulous, data-driven strategy to your financial security. To ensure your plan is as well-built as a high-stakes data system, I utilize iA Financial Group’s My Financial Journey™, a digital needs analysis tool designed to easily create a personalized roadmap for protecting your lifestyle.

Click the link to read case study examples to understand how it works.

https://libbytelford.com/how-i-use-my-financial-journey-to-build-your-financial-protection-solutions/

From the Muskoka winter wonderland, wishing you a joyous and prosperous new year!

🎄🎁The holiday season often turns our thoughts to family and the future. As we reflect, it's a common time to consider if your family's financial security plan is complete.

As a licensed life insurance advisor with iA Financial Group, I help people explore how life insurance can be a foundational part of a sound financial plan.

If you have questions about protection and legacy planning for your loved ones, I welcome you to contact me through my official iA Advisor page https://ia.ca/libbyr.telford (link in bio).

Libby R Telford, Licensed Life Insurance Advisor
Your financial independence, protected.