Life

Decorative pattern

Pitching disability coverage

Picture this: You have a client – 10 years away from retirement – who comes to you for retirement advice. You spend several hours, maybe a full day with him, going over many different retirement scenarios. At the end of this exercise, you prepare a plan that is as thick as a phone book. In […]

By Jim Otar |June 8, 2010

3 min read

Decorative pattern

Understanding sleep apnea

Although the first detailed description of obstructive sleep apnea (OSA) only appeared in the 1960s, its characteristics were described well before this in the works of Shakespeare and Dickens. The best known of these descriptions is Dickens’ portrayal of Joe, the sleepy fat servant boy of The Pickwick Papers (1837). ‘Fat Joe’ had such excessive […]

By Carmela Tedesco |June 3, 2010

6 min read

Decorative pattern

Maximizing a legacy

My wife is a legal assistant for an estate lawyer. Regularly, she gets involved in settling estates for their most senior clients who have left behind hundreds of thousands, if not millions, of dollars. Once involved in a case, she soon becomes familiar with the estate. More often than not, she discovers the deceased was […]

By Casey Cerson |May 31, 2010

4 min read

Decorative pattern

Understanding sleep apnea

Although the first detailed description of obstructive sleep apnea (OSA) only appeared in the 1960s, its characteristics were described well before this in the works of Shakespeare and Dickens. The best known of these descriptions is Dickens’ portrayal of Joe, the sleepy fat servant boy of The Pickwick Papers (1837). ‘Fat Joe’ had such excessive […]

By Carmela Tedesco |May 13, 2010

6 min read

Decorative pattern

The power of corporately-owned insurance

IT Entrepreneurs and consultants need life insurance like anyone else. The question often gets asked whether or not a life insurance policy should be owned individually or by the corporation. Let’s take the example of Jim Smith, software entrepreneur. Jim is self employed and is the proud owner of Zenith Consulting Inc. Zenith is an […]

By John Klotz |May 11, 2010

5 min read

Decorative pattern

Bulletproof your beneficiaries

Just how do you write a will so that everyone will be happy? When it comes to leaving your estate to a blended family, this task becomes especially tricky. In a blended family situation, you or your new spouse may have children from a previous marriage. You may have children together. And for some families, […]

By Mike George |May 11, 2010

5 min read

Decorative pattern

Ensure clients are insured for life

During any discussion regarding life insurance, advisors should be seeking the answer to two key questions: While both questions are important, the answer to the first usually determines the response to the second. Most of our clients need lots of coverage. This means the use of permanent insurance – which costs significantly more than temporary […]

By Bruce Cumming |April 26, 2010

7 min read

Decorative pattern

Insuring Ulcerative Colitis

Are people with ulcerative colitis—a chronic inflammatory bowel disease—eligible for life or critical illness insurance? It all depends on the severity of the disease. The trick is to gain a better knowledge of ulcerative colitis (UC), its complications, and how it is underwritten to help make the underwriting process less frustrating for the advisor and […]

By Carmela Tedesco |April 13, 2010

7 min read

Decorative pattern

Advising the ultra rich

Throughout my career as an advisor I’ve been fortunate to work with many high-net-worth prospects and clients. Affluent business people, professionals and families are an interesting and challenging breed. They have incredible drive and are confident and demanding of both themselves and their advisors. They can differ, however, in how they relate to advisors and […]

By David Wm. Brown |April 8, 2010

3 min read

Decorative pattern

Bulloch: Warding off the spectre of regulation

As a principal heading up a Managing General Agency (MGA) in Canada, we are starting to see more regulatory interest in the Canadian Life Insurance industry. This includes the increasingly popular Segregated Fund product too. Recently our firm’s compliance officer and I participated in a review of our firm conducted by one of our insurance […]

By Allan Bulloch |April 7, 2010

3 min read

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