Life

Decorative pattern

Focus on protection aspects of insurance

One of the most common objections to purchasing an insurance policy is: “If I just saved that money instead of paying for this policy every month, I’d end up with more money than the insurance would pay me.” I’m sure every advisor has heard that argument at least once, and the simplest rebut is, “Sure, […]

By Jason M. Pereira |November 17, 2009

7 min read

Decorative pattern

Premium Advice – The Return of the Large Case

At long last, it seems that clients are ready to make decisions again. The last 18 months have not been the first time in history that economic conditions have made clients nervous or apprehensive about making financial decisions. Many of my recent articles have been related to strategies with timely pertinence to the global economic […]

By Chris Paterson |November 4, 2009

5 min read

Decorative pattern

Responsibilities and liabilities of an executor

Assuming control of the deceased assets is one of the executor’s primary responsibilities. In an estate for outright distribution, the goal is to preserve the value of the assets until they’re distributed in kind or liquidated and distributed as cash. When an estate includes continuing trusts, or can’t be distributed after approximately one year of […]

By Danny Dochylo |November 1, 2009

5 min read

Decorative pattern

Insurance policies can deliver tax-free income

As licensed insurance advisors, how do we know when we’re fulfilling our clients’ needs for the proper amounts of insurance and providing the right products for their situations? It starts with due diligence, which must be performed when advising clients about insurance. First and foremost is to determine the proper amount of coverage. Typically, a […]

By John Jordan |November 1, 2009

5 min read

Decorative pattern

Insurance policies offer advantages

For the majority of people life insurance is a product which is used to provide cash and liquidity at death. The proceeds of the death benefit are traditionally used to pay off outstanding debts, such as mortgages or loans. And the cash serves to replace the lost earnings of the deceased. These proceeds allow the […]

By David Wm. Brown |November 1, 2009

3 min read

Decorative pattern

Liston to insurance advisors: Be detectives

Careful information gathering, basic medical research, an effective interviewing technique and thorough preparation for a follow-up expedite the long term care insurance (LTC) underwriting process. Denise Liston, vice-president of underwriting products and services at Life Plans Inc., which provides insurers with risk management programs, was a featured speaker at the LTC Conference in Mississauga last […]

By Art Melo |October 27, 2009

3 min read

Decorative pattern

When it comes to insurance, choose wisely

More than 30 years ago, I entered into the insurance industry as a career agent for the Canadian division of the Paul Revere Life Insurance Company. Despite a host of life insurance products, the company’s true focus was on “accident and sickness” — providing disability income or income replacement insurance (a protection product that replaces […]

October 6, 2009

10 min read

Decorative pattern

How much life insurance does a client need?

How long have you worked at that employer; How many companies have you worked for over the years; Did they all have similar group life coverage; Do you expect to be working at that company when you die; and Would you ever like to get involved in a start-up or be an entrepreneur? Their answers […]

By Bruce Cumming |October 6, 2009

6 min read

Decorative pattern

Are your clients optimally insured?

As licensed-insurance advisors, how do we know when we’re fulfilling our clients’ needs for the proper amounts of insurance and providing the right products for their situations? It starts with due diligence, which must be performed when advising clients about insurance. Coverage counts First and foremost is to determine the proper amount of coverage. Typically, […]

By John Jordan |October 6, 2009

6 min read

Decorative pattern

Premium Advice: Extracting corporate value for HNW families

The majority of wealthy people’s net worth is usually tied up in corporate assets. While holding liquid investments, property and other assets, the bulk of the wealth created is often the result of rapid growth of corporate shares. Ultimately, though, how do they turn those shares in cash for legacy creation? Many successful families “purify” […]

By Chris Paterson |September 24, 2009

4 min read

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