Latest News
Generic Ozempic Is Here. Will Your Drug Plan Actually Save Money?July 15, 2026 - 10:45 am
What Happens to Your Group Benefits When You Leave a Job?July 1, 2026 - 6:10 am
What Is Participating Whole Life Insurance?June 1, 2026 - 1:03 pm
Insurance products, including segregated fund policies are offered through Horizon Financial Group, and Investment Representatives Marc Sayer, Valerie Sayer and Conner Anastasakos offer mutual funds and referral arrangements through Quadrus Investment Services Ltd. Any activity in relation to titles of President, Chief Investment Officer and Vice-President of Horizon Financial Group is related to insurance business only and is not the business of/or under the supervision of Quadrus Investment Services Ltd. Quadrus, Quadrus Investment Services Ltd. and design are trademarks of Quadrus Investment Services Ltd. Used with permission.
Generic Ozempic Is Here. Will Your Drug Plan Actually Save Money?
/in 2026, Blog, Group Benefits/by Horizon FinancialGeneric semaglutide (the active ingredient in Ozempic) is now available in Canada, and it has the potential to meaningfully reduce drug costs for employer-sponsored benefits plans. But savings are not automatic. Without the right plan design in place, many members may stay on the brand-name drug and costs could remain unchanged. Here is what plan sponsors need to know and do right now.
What Happens to Your Group Benefits When You Leave a Job?
/in 2026, Blog, Group Benefits/by Horizon FinancialMost Canadians do not think about their group benefits until the day they leave a job, and by then, the clock is already ticking.
Health and dental coverage typically ends on your last day. But here is the part many people miss: your group life insurance comes with a conversion privilege that lets you carry it over to an individual policy without a medical exam. The window to act is usually just 31 days.
Whether you are changing jobs, being laid off, or heading out on your own, knowing your options before your last day makes a real difference. Here is what to know.
What Is Participating Whole Life Insurance?
/in 2026, Blog, Insurance/by Horizon FinancialParticipating whole life insurance is a permanent policy that does more than protect your family — it builds cash value and pays dividends over time. Learn how it works, who it’s for, and how it compares to other types of life insurance.
Tax Lines to Look Out For on Your 2025 Canadian Tax Return
/in 2026, Blog/by Horizon FinancialThe 2025 tax year brings a lower federal tax rate, higher contribution limits, and several eliminated credits. From the new Canada Disability Benefit to changes in CPP2 and capital gains rules, here are the key lines to watch when filing your 2025 Canadian tax return.
Ontario Budget 2026
/in 2026, Blog/by Horizon FinancialThe 2026 Ontario Budget brings major changes for small business owners, home buyers, and investors. From a cut to the small business tax rate to an enhanced HST rebate on new homes, here is what you need to know and how it could affect your finances.