Insurance

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

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 |April 1, 2010

5 min read

Decorative pattern

Cerson: Funding a continuity agreement

Recently, I met for a scheduled coaching session with one of the independent advisors I support. He has a successful and well-established financial-planning practice. He was concerned with the potential impact on the value of his books of insurance policies and mutual funds should he die or become incapacitated. As Vince Valenti pointed out in […]

By Casey Cerson |April 1, 2010

3 min read

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 |March 23, 2010

7 min read

Decorative pattern

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 |March 15, 2010

5 min read

Decorative pattern

FaceOff: Conventional annuities versus GMWBs

Participants: Bruce Cumming, president of Cumming & Cumming Wealth Management, David Wm. Brown, certified financial planner and partner at Al G. Brown and Associates. Bruce Cumming: The biggest argument for conventional annuities is that you get a 5% guaranteed return and the prospect of even higher returns if the markets perform well. Though research shows […]

By Staff |March 1, 2010

9 min read

Decorative pattern

Retirement income modelling

Getting an accurate picture of a client’s retirement prospects requires advisors to drive their planning software harder than they might be accustomed to. Indeed, a February 8, 2010 article by Stephen Lamb on Advisor.ca was right on the money. In it, Lamb noted: “Retirement funding is a complex machine, with several moving parts . . […]

By John Armstrong |March 1, 2010

6 min read

Decorative pattern

Ulcerative Colitis: is it insurable?

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 |March 1, 2010

8 min read

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