Living Benefits

Decorative pattern

Life

Shades of grey

The term “field underwriter” takes on a new meaning when an advisor starts selling long-term care insurance. The policies are complex and require advisors to do more field research and ask applicants probing questions, regardless of whether they’re being acquired for elderly clients or younger prospects. Without strict attention to detail, a high percentage of […]

By David Wm. Brown |June 16, 2006

5 min read

Decorative pattern

Living Benefits

Preserve your client’s wealth with long-term care insurance

Preserve your client’s wealth with long-term care insurance Why you should care about eldercare More Coming of Age: Why you should care about eldercare Preserve your client’s wealth with long-term care insurance Marketing to mature clients Three techniques to help protect clients when making a power of attorney The truth about loss of independence: How […]

By Steven Lamb |June 2, 2006

4 min read

Decorative pattern

Living Benefits

New Life Ed.

(May 2006) Sam Albanese probably does not have as many plans for summer vacation as other insurance industry veterans. He is working his way toward launching the Certified Financial Service Practitioner program currently scheduled for September at Toronto’s Seneca College of Applied Arts and Technology. Albanese positions the program as relief for the insurance companies, […]

By Al Emid |May 9, 2006

3 min read

Decorative pattern

Life

Mandatory memos

I’ve just completed drafting our company’s Advisor Disclosure Document, which we will be sending to clients for their signatures starting this year. The document is required by Regulation 347/04 of the Ontario Insurance Act. Other provinces have similar requirements. The new rule, which updates its predecessor, Regulation 663, introduces a new provision on disclosure of […]

By David Wm. Brown |April 7, 2006

5 min read