Insurance

Decorative pattern

Advisors can influence underwriting outcome

(October 2008) It’s the unpleasant scenario far too many advisors face: you have a client ready to commit to a new life or health policy, but the client’s health is questionable. Yet many advisors are not adequately helping their clients to increase their odds of a better underwriting result, according to the medical director of […]

By Mark Noble |October 22, 2008

6 min read

Decorative pattern

Living Benefits

Income guarantees

Necessity is the mother of invention, as the proverb says. Whenever there’s a need, someone will invent a device to meet that need. While the expression generally refers to things mechanical, it’s also true in the investment management market. Mutual funds, exchange traded funds, linked notes and many other structured investment vehicles all represent innovations […]

By Jason M. Pereira |October 8, 2008

3 min read

Decorative pattern

Premium Advice — Forgotten insurance practices shine in volatile markets

Headlines of bailouts, rescue plans and bank failures no doubt have your clients on edge, but I bet most of those frantic calls you’re getting centre around whether or not someone’s portfolio can withstand the downward market pressure. Insurance planning, though, has historically played a crucial part in financial planning during periods of market disruption. […]

By Chris Paterson |October 2, 2008

4 min read

Decorative pattern

Premium Advice — Forgotten insurance practices shine in volatile markets

Headlines of bailouts, rescue plans and bank failures no doubt have your clients on edge, but I bet most of those frantic calls you’re getting centre around whether or not someone’s portfolio can withstand the downward market pressure. Insurance planning, though, has historically played a crucial part in financial planning during periods of market disruption. […]

By Chris Paterson |October 2, 2008

4 min read

Decorative pattern

Aging insurance

It seems we’re overdue for a reality check. According to various statistical studies, life expectancies of both men and women are increasing. In 1996, there were 3,125 centenarians in Canada; in 2001 the number grew to 3,795; and this segment of the population is steadily increasing. Undoubtedly, an aging population has huge economic ramifications for […]

By David Wm. Brown |October 1, 2008

3 min read

Decorative pattern

Joint venture

As I enjoy a coffee break at the 2018 Distribution Symposium, I think back to the days when the Managing General Agencies and the Mutual Fund Dealerships attended separate conferences. Our issues were so different, our agendas so diverse. We didn’t have similar goals back then, and although we knew the industry was changing, we […]

By Terri DiFlorio |October 1, 2008

3 min read

Decorative pattern

Giving the insurance industry a makeover

For the most part, people have a negative view of insurance and the insurance industry. Many consumers see insurance as a “grudge” purchase and feel that insurance salespeople just want to push a policy and move on. And while it’s true that some advisors disappear after selling a product, many work diligently to establish relationships […]

By Mark Halpern |September 11, 2008

5 min read

Decorative pattern

Living Benefits

Premium Advice — Using product allocation to your client’s long-term advantage

Since the introduction of the guaranteed minimum withdrawal benefit (GMWB) and the increase in popularity of structured products with forms of capital guarantee, along with numerous investment writers’ espousing the virtues of proper management of diversified portfolios, the idea of product allocation has taken on a momentum all its own. One common theme you’ll hear […]

By Chris Paterson |September 8, 2008

4 min read

Decorative pattern

Living Benefits

Premium Advice — Back-to-school protection planning for students

It’s that time of year again: back-to-school shopping and saying goodbye to the kids as they head to university or college. For advisors, the new school year means helping families plan for their children’s financial future. RESPs always provide a sound foundation thanks to government grants like the Canada Education Savings Grant (CESG), but they […]

By Chris Paterson |August 20, 2008

4 min read

Decorative pattern

Indulgent incentives

Our agency recently won two contests, separately held by two large insurance companies. Both awards, based on productivity levels, included lavish holidays or conference trips worth thousands of dollars. Unfortunately, because of time constraints, we were unable to take advantage of either. One of the insurance companies, understanding the reason we couldn’t attend, uncharacteristically doled […]

By David Wm. Brown |August 1, 2008

3 min read

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