<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/1"
	>
    <channel>
        <title>
	    David Wm. Brown | Advisor.ca	</title>
        <atom:link href="http://www.advisor.ca/columnists/david-wm-brown/feed" rel="self" type="application/rss+xml" />
	<link>http://www.advisor.ca</link>
	<description>Advisor.ca is a go-to resource for Canadian retail financial advisors, covering news about financial markets, insurance, investments, practice management, and tax and estate planning needs.</description>
	<lastBuildDate>Wed, 16 May 2012 21:15:29 +0000</lastBuildDate>
	<generator>http://wordpress.org/?v=3.0.4</generator>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.0.4</generator>
	            <item>
		<title>Stick to the law when it comes to insurance</title>
		<link>http://www.advisor.ca/insurance/life/stick-to-the-law-when-it-comes-to-insurance-76952?rss=yes</link>
		<comments>http://www.advisor.ca/insurance/life/stick-to-the-law-when-it-comes-to-insurance-76952#comments</comments>
		<pubDate>Fri, 20 Apr 2012 16:34:48 +0000</pubDate>
		<dc:creator>_stephv</dc:creator>
				<category><![CDATA[Life]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=76952</guid>
                                    <description><![CDATA[In matters of life, death and life insurance, you don't bend the rules.]]></description>
                		<wfw:commentRss>http://www.advisor.ca/insurance/life/stick-to-the-law-when-it-comes-to-insurance-76952/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
                                            </item>
	            <item>
		<title>How to explain insurance rate increases</title>
		<link>http://www.advisor.ca/insurance/life/how-to-explain-insurance-rate-increases-74491?rss=yes</link>
		<comments>http://www.advisor.ca/insurance/life/how-to-explain-insurance-rate-increases-74491#comments</comments>
		<pubDate>Thu, 01 Mar 2012 16:33:53 +0000</pubDate>
		<dc:creator>_stephv</dc:creator>
				<category><![CDATA[Life]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=74491</guid>
                                    <description><![CDATA[Since the last quarter of 2010, most insurers have increased their prices; with some hinting at a third round of rate hikes. And the product itself may actually be heading for extinction, since some providers are removing their permanent products and focusing on adjustable insurance rates or term insurance.]]></description>
                		<wfw:commentRss>http://www.advisor.ca/insurance/life/how-to-explain-insurance-rate-increases-74491/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
                                            </item>
	            <item>
		<title>Two opportunities in the fine print</title>
		<link>http://www.advisor.ca/insurance/life/two-opportunities-in-the-fine-print-72872?rss=yes</link>
		<comments>http://www.advisor.ca/insurance/life/two-opportunities-in-the-fine-print-72872#comments</comments>
		<pubDate>Fri, 24 Feb 2012 14:36:45 +0000</pubDate>
		<dc:creator>_stephv</dc:creator>
				<category><![CDATA[Life]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=72872</guid>
                                    <description><![CDATA[Few insurance advisors pay attention to the settlement options in their clients&#8217; policies. But you should. Policyholders can actually choose if beneficiaries are paid a settlement with an annuity or in a lump sum.]]></description>
                		<wfw:commentRss>http://www.advisor.ca/insurance/life/two-opportunities-in-the-fine-print-72872/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
                                            </item>
	            <item>
		<title>Protect clients when they go to volatile countries</title>
		<link>http://www.advisor.ca/insurance/living-benefits/protect-clients-when-they-go-to-volatile-countries-69998?rss=yes</link>
		<comments>http://www.advisor.ca/insurance/living-benefits/protect-clients-when-they-go-to-volatile-countries-69998#comments</comments>
		<pubDate>Sun, 01 Jan 2012 21:23:32 +0000</pubDate>
		<dc:creator>_stephv</dc:creator>
				<category><![CDATA[Living Benefits]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=69998</guid>
                                    <description><![CDATA[Kidnapping for ransom is a billion-dollar worldwide business run by experts in planning and negotiation. If your clients regularly travel outside of North America for work or pleasure, it&#8217;s a threat worth considering.]]></description>
                		<wfw:commentRss>http://www.advisor.ca/insurance/living-benefits/protect-clients-when-they-go-to-volatile-countries-69998/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
                                            </item>
	            <item>
		<title>Does your client need global insurance?</title>
		<link>http://www.advisor.ca/my-practice/how-to-know-when-your-client-needs-global-insurance-65902?rss=yes</link>
		<comments>http://www.advisor.ca/my-practice/how-to-know-when-your-client-needs-global-insurance-65902#comments</comments>
		<pubDate>Wed, 23 Nov 2011 19:14:24 +0000</pubDate>
		<dc:creator>_stephv</dc:creator>
				<category><![CDATA[Life]]></category>
		<category><![CDATA[My Practice]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=65902</guid>
                                    <description><![CDATA[Your client starts ventures around the world. While he’s concerned with rustling up capital and breaking ground for new offices, there’s one issue you must raise: global insurance for his employees.]]></description>
                		<wfw:commentRss>http://www.advisor.ca/my-practice/how-to-know-when-your-client-needs-global-insurance-65902/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
                                            </item>
	            <item>
		<title>How to tailor insurance to affluent clients</title>
		<link>http://www.advisor.ca/insurance/life/how-to-tailor-insurance-to-rich-clients-55786?rss=yes</link>
		<comments>http://www.advisor.ca/insurance/life/how-to-tailor-insurance-to-rich-clients-55786#comments</comments>
		<pubDate>Mon, 19 Sep 2011 15:51:19 +0000</pubDate>
		<dc:creator>melissa.shin.1</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Life]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=55786</guid>
                                    <description><![CDATA[Regular folks worry about debts, mortgages and the ability of their dependants to generate income after they die. High-net-worth clients don’t have to.]]></description>
                		<wfw:commentRss>http://www.advisor.ca/insurance/life/how-to-tailor-insurance-to-rich-clients-55786/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
                                            </item>
	            <item>
		<title>Navigating the critical illness claims process</title>
		<link>http://www.advisor.ca/insurance/life/navigating-the-critical-illness-claims-process-13287?rss=yes</link>
		<comments>http://www.advisor.ca/insurance/life/navigating-the-critical-illness-claims-process-13287#comments</comments>
		<pubDate>Tue, 25 Jan 2011 18:46:58 +0000</pubDate>
		<dc:creator>Avro</dc:creator>
				<category><![CDATA[Life]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=13287</guid>
                                    <description><![CDATA[I recently returned from a Million Dollar Round Table (MDRT) meeting held in Vancouver, where I had the privilege of conducting a session entitled 'How to Package the Critical Illness Sale'.]]></description>
                		<wfw:commentRss>http://www.advisor.ca/insurance/life/navigating-the-critical-illness-claims-process-13287/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
                                            </item>
	            <item>
		<title>Choosing the right CRM</title>
		<link>http://www.advisor.ca/news/industry-news/choosing-the-right-crm-522?rss=yes</link>
		<comments>http://www.advisor.ca/news/industry-news/choosing-the-right-crm-522#comments</comments>
		<pubDate>Fri, 01 Oct 2010 12:40:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Life]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/news/industry-news-3/choosing-the-right-crm-522</guid>
                                    <description><![CDATA[We often take for granted the huge role technology plays in our lives; that is, until an issue threatens to disrupt the entire way we do business. It was December 2009 when our CRM software provider made the call to us. The shock was profound when they informed us they were no longer supporting our ...]]></description>
                		<wfw:commentRss>http://www.advisor.ca/news/industry-news/choosing-the-right-crm-522/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
                                            </item>
	            <item>
		<title>Beginning the succession discussion</title>
		<link>http://www.advisor.ca/insurance/life/beginning-the-succession-discussion-3670?rss=yes</link>
		<comments>http://www.advisor.ca/insurance/life/beginning-the-succession-discussion-3670#comments</comments>
		<pubDate>Thu, 05 Aug 2010 11:06:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Life]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/insurance/life-15/beginning-the-succession-discussion-3670</guid>
                                    <description><![CDATA[After helping clients with their financial, estate and retirement planning, advisors often have a strong relationship with their clients. That puts us in a unique position to discuss succession planning with those clients who are also business owners. In many cases, we’ve already implemented plans or products to protect their assets and the value of ...]]></description>
                		<wfw:commentRss>http://www.advisor.ca/insurance/life/beginning-the-succession-discussion-3670/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
                                            </item>
	            <item>
		<title>Doubt and designations</title>
		<link>http://www.advisor.ca/insurance/life/doubt-and-designations-3676?rss=yes</link>
		<comments>http://www.advisor.ca/insurance/life/doubt-and-designations-3676#comments</comments>
		<pubDate>Mon, 12 Jul 2010 12:02:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Living Benefits]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/insurance/life-15/doubt-and-designations-3676</guid>
                                    <description><![CDATA[The recent spotlight on financial products hasn’t been limited to complex mortgage-backed products. Insurance-based products have had their share of recent attention, especially when it comes to beneficiary designations. Several court cases involving beneficiary designation disputes underscore the importance of reviewing these designations and ensuring that they are up-to-date and in accordance with a client’s ...]]></description>
                		<wfw:commentRss>http://www.advisor.ca/insurance/life/doubt-and-designations-3676/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
                                            </item>
	    </channel>
</rss>
