Maureen McBratney, Insurance & Financial Advisor

05/26/2026

5 Reasons to Review or Update Your Life Insurance

1. You bought a home
Your insurance should reflect new financial responsibilities like a mortgage and household expenses.

2. Your family has changed
Marriage, divorce, children, or blended families can all impact how much coverage you may need and who should be listed as beneficiary.

3. Your income has increased
As income grows, so does the lifestyle and financial support your family may rely on.

4. Your policy is getting older
Some policies may be approaching renewal periods where premiums can increase significantly.

5. Your goals have changed
What made sense 10 years ago may not fit your situation today. Insurance should evolve along with your life.

A quick review doesn’t always mean making changes — sometimes it simply confirms you’re already on the right track.

If you have questions about your current coverage, feel free to reach out.

05/20/2026

Can you still get life insurance if you use ma*****na?

In many cases, yes.

One of the biggest misconceptions I hear is that ma*****na use automatically means someone can’t qualify for life insurance. The reality is that it really depends on factors such as frequency of use, whether it’s smoked or consumed another way, overall health, and the insurance company’s underwriting guidelines.

Occasional use may have little to no impact with some insurers, while more frequent use could affect pricing or available options.

Every situation is different, which is why it’s important to have a conversation before assuming you won’t qualify.

If you have questions about how ma*****na use may affect insurance, feel free to reach out.

05/13/2026

Some art work for me from one of my young clients. I think the composition is stunning and he has a bright future!

05/05/2026

Mortgage insurance vs life insurance comes up more often than you’d think.

They sound similar, but they work very differently — especially when it comes to who’s protected and how much control you have.

This short video breaks it down in a really clear way.

If you’ve ever wondered which one actually makes sense for you, feel free to reach out — I’m always happy to walk through it

04/22/2026

I’m excited to share that I’ve joined Billyard Insurance Group as a Financial Advisor.

This move gives me access to better tools, stronger technology, and the opportunity to help build out the Financial Advisor team. Just as importantly, it allows me to continue growing my practice while maintaining ownership of my client relationships.

If you’ve been meaning to review your insurance, investments, or overall financial plan, I’d be happy to connect.

04/14/2026

One thing that comes up more often than you’d expect—people aren’t always sure what they actually have in place.

It might be coverage through work, something set up years ago, or policies that haven’t been reviewed in a while.

Over time, it’s easy to lose track of the details or assume everything is still doing what it’s supposed to.

If you’re not completely clear on what you have or how it works, it’s worth taking a closer look.

03/31/2026

03/24/2026

A common question I hear is: “What happens if my advisor leaves?”

✅ You stay with your advisor
✅ Your plans and policies stay intact
✅ Support continues without interruption

The only potential change is a short transition period while administrative details are updated—but I remain available every step of the way.

Your relationship with me always comes first.

03/17/2026

💡 Wealth Tip for the Week

When people think about investing, they often focus on what fund to choose. But one of the biggest drivers of long-term growth is actually consistency.

Investing smaller amounts regularly — for example monthly or bi-weekly — can help smooth out market ups and downs and build momentum over time.

It also turns investing into a habit rather than a decision you have to revisit each time.

Whether you’re contributing to a TFSA, RRSP, or another investment account, setting up a regular contribution plan can make a big difference over the long term.

If you’ve been thinking about getting started or increasing your contributions, I’m always happy to walk through the options and help you put a plan in place.

📩 Feel free to reach out if you’d like to talk.

02/10/2026

Life changes.
Your paperwork doesn’t update itself.

That’s what client check-ins are for.