Insurance

Liquidating life insurance

Life insurance is often an important tool for funding a liquidity event, such as the death of a business owner, as the proceeds can be used to immediately pay off creditors and provide often much-needed cash flow in a time of business uncertainty. Business owners who operate their business through a corporation often choose to […]

February 18, 2010

3 min read

Life

Liquidating life insurance

By Jamie Golombek |February 17, 2010

3 min read

Living Benefits

Michaud: Diagnosing Alzheimer’s

Alzheimer’s disease is prevalent in today’s society, with an incidence rising from 1% at ages 70 – 74 to more than 8% in individuals age 85 and older. As the population ages, the burden of Alzheimer’s disease will continue to increase. The cause of the disease is unclear. Approximately 10% of cases show early onset […]

By Hélène Michaud, Dr. Chi-Ming Chow, Dr. Judy Beamish |January 13, 2010

3 min read

Living Benefits

Ensure clients are insured for life

During any discussion regarding life insurance, advisors should be seeking the answer to two key questions: How much coverage is required? and What type of life insurance product is best suited for the client [DASH] temporary or permanent coverage? While both questions are important, the answer to the first usually determines the response to the […]

By Bruce Cumming |January 11, 2010

7 min read

Variable annuities belong in a retirement plan

Retirement planning has changed dramatically over the past few years. The recent world market volatility has felt too much like a broken CNE roller coaster ride – a mixture of thrills and nausea. But no matter how frightened investors are of the ride, they’re always ready to buy another ticket in anticipation. Hopefully, with history […]

3 min read

Assessing the risk of cognitive disorders

prepare meals use transportation grocery shop clean house do laundry do laundry clean house grocery shop use transportation prepare meals use the telephone manage medications IADL functions tend to be complex, requiring a combination of physical and cognitive capacities. For example, shopping requires mobility and a relatively intact cognition to handle the financial transactions involved. […]

6 min read

Helping clients understand annuity value

What’s theoretically rational for an investor may not be what most people actually do. This could be because of behavioural factors, or there could be deeper, and quite rational factors. So it is with lifetime annuities. Academic research suggests they’re superior to other products in providing a lifelong income, and the earlier they are bought, […]

By Scot Blythe |November 26, 2009

5 min read

Claims Clinic: LTC tools, case studies

After several years of sales, claims under LTC policies are beginning to materialize. The role of the claims adjudicator is to educate the claimant about the policy benefits, while paying special attention to what will be required to determine whether the claimant’s limitations and restrictions meet the definition of Activity of Daily Living (ADL) dependency. […]

6 min read

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, […]

7 min read

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 […]

5 min read