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	<title>Advisor.ca &#187; Living Benefits</title>
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	<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>
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		<title>Put insurance on clients’ travel checklists</title>
		<link>http://www.advisor.ca/news/industry-news/put-insurance-on-clients%e2%80%99-travel-checklists-117271?rss=yes</link>
		<comments>http://www.advisor.ca/news/industry-news/put-insurance-on-clients%e2%80%99-travel-checklists-117271#comments</comments>
		<pubDate>Thu, 16 May 2013 16:24:22 +0000</pubDate>
		<dc:creator>Staff</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Living Benefits]]></category>

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		<description><![CDATA[Insurance should be #1 on your travel checklist. ]]></description>
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		<title>Insurers must raise taxation, exempt test concerns: CAILBA</title>
		<link>http://www.advisor.ca/insurance/life/insurers-must-raise-taxation-exempt-test-concerns-cailba-117101?rss=yes</link>
		<comments>http://www.advisor.ca/insurance/life/insurers-must-raise-taxation-exempt-test-concerns-cailba-117101#comments</comments>
		<pubDate>Wed, 15 May 2013 14:48:51 +0000</pubDate>
		<dc:creator>Staff</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Living Benefits]]></category>

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		<description><![CDATA[Insurers must inform legislators about the potential negative consequences of changing the tax regime for insurance products. ]]></description>
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		<title>Getting a group benefits quote</title>
		<link>http://www.advisor.ca/my-practice/getting-a-group-benefits-quote-114199?rss=yes</link>
		<comments>http://www.advisor.ca/my-practice/getting-a-group-benefits-quote-114199#comments</comments>
		<pubDate>Thu, 09 May 2013 09:59:52 +0000</pubDate>
		<dc:creator>Yafa Sakkejha</dc:creator>
				<category><![CDATA[Living Benefits]]></category>
		<category><![CDATA[My Practice]]></category>

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		<description><![CDATA[Carriers price health and dental benefits by looking at usage and then they add inflation. Benefits, fees, commissions and profit are added on top.Your goal is to minimize those expenses for your client by negotiating.]]></description>
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		<title>Help clients prepare for weather emergencies</title>
		<link>http://www.advisor.ca/news/industry-news/help-clients-prepare-for-weather-emergencies-115959?rss=yes</link>
		<comments>http://www.advisor.ca/news/industry-news/help-clients-prepare-for-weather-emergencies-115959#comments</comments>
		<pubDate>Mon, 06 May 2013 13:55:54 +0000</pubDate>
		<dc:creator>Staff</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Living Benefits]]></category>

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		<description><![CDATA[Canadians need to be better prepared for severe weather and emergencies.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Land your client&#8217;s group benefits business</title>
		<link>http://www.advisor.ca/my-practice/land-your-clients-group-benefit-business-114188?rss=yes</link>
		<comments>http://www.advisor.ca/my-practice/land-your-clients-group-benefit-business-114188#comments</comments>
		<pubDate>Thu, 02 May 2013 09:59:06 +0000</pubDate>
		<dc:creator>Yafa Sakkejha</dc:creator>
				<category><![CDATA[Living Benefits]]></category>
		<category><![CDATA[My Practice]]></category>

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		<description><![CDATA[Advisors are often interested in landing their self-employed clients’ group benefits plans since they bring in recurring fees. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>BMO Life and Canada Life reprice insurance products</title>
		<link>http://www.advisor.ca/insurance/living-benefits/bmo-life-and-canada-life-reprice-insurance-products-115546?rss=yes</link>
		<comments>http://www.advisor.ca/insurance/living-benefits/bmo-life-and-canada-life-reprice-insurance-products-115546#comments</comments>
		<pubDate>Wed, 01 May 2013 20:15:54 +0000</pubDate>
		<dc:creator>Vikram Barhat</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Living Benefits]]></category>

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		<description><![CDATA[The Canadian insurance industry continues to tweak products to stay competitive and profitable.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Check home insurance terms before renovating</title>
		<link>http://www.advisor.ca/news/industry-news/check-home-insurance-terms-before-renovating-115051?rss=yes</link>
		<comments>http://www.advisor.ca/news/industry-news/check-home-insurance-terms-before-renovating-115051#comments</comments>
		<pubDate>Mon, 29 Apr 2013 15:23:40 +0000</pubDate>
		<dc:creator>Staff</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Living Benefits]]></category>

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		<description><![CDATA[Many homeowners give their homes facelifts in the Spring, but should check with insurance providers.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>What drives the costs of benefits plans?</title>
		<link>http://www.advisor.ca/news/industry-news/what-drives-the-costs-of-benefits-plans-114772?rss=yes</link>
		<comments>http://www.advisor.ca/news/industry-news/what-drives-the-costs-of-benefits-plans-114772#comments</comments>
		<pubDate>Fri, 26 Apr 2013 09:59:29 +0000</pubDate>
		<dc:creator>Staff</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Living Benefits]]></category>
		<category><![CDATA[My Practice]]></category>

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		<description><![CDATA[It's hard for administrators to control benefits plans costs and enhance employee value simultaneously. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Big dreams, low risk appetite</title>
		<link>http://www.advisor.ca/retirement/big-dreams-low-risk-appetite-92307?rss=yes</link>
		<comments>http://www.advisor.ca/retirement/big-dreams-low-risk-appetite-92307#comments</comments>
		<pubDate>Wed, 17 Apr 2013 09:55:02 +0000</pubDate>
		<dc:creator>Katie Keir</dc:creator>
				<category><![CDATA[Living Benefits]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=92307</guid>
		<description><![CDATA[A couple asks for help with ambitious retirement goals.]]></description>
		<wfw:commentRss>http://www.advisor.ca/retirement/big-dreams-low-risk-appetite-92307/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>15 tips to protect your client&#8217;s home</title>
		<link>http://www.advisor.ca/news/industry-news/15-tips-to-protect-your-clients-home-113385?rss=yes</link>
		<comments>http://www.advisor.ca/news/industry-news/15-tips-to-protect-your-clients-home-113385#comments</comments>
		<pubDate>Thu, 11 Apr 2013 09:59:04 +0000</pubDate>
		<dc:creator>Staff</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Living Benefits]]></category>

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		<description><![CDATA[Almost half of all home insurance claims are the result of water damage, finds Aviva Canada Inc. ]]></description>
		<wfw:commentRss>http://www.advisor.ca/news/industry-news/15-tips-to-protect-your-clients-home-113385/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>IBC pushes for competitive auto insurance</title>
		<link>http://www.advisor.ca/insurance/living-benefits/ibc-pushes-for-competitive-auto-insurance-108530?rss=yes</link>
		<comments>http://www.advisor.ca/insurance/living-benefits/ibc-pushes-for-competitive-auto-insurance-108530#comments</comments>
		<pubDate>Wed, 20 Feb 2013 16:08:37 +0000</pubDate>
		<dc:creator>Staff</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Living Benefits]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=108530</guid>
		<description><![CDATA[IBC pledges to work with officials to protect drivers from scams and reduce insurance rates.]]></description>
		<wfw:commentRss>http://www.advisor.ca/insurance/living-benefits/ibc-pushes-for-competitive-auto-insurance-108530/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Desjardins raises permanent insurance and CI rates</title>
		<link>http://www.advisor.ca/insurance/life/desjardins-raises-permanent-insurance-and-ci-rates-108159?rss=yes</link>
		<comments>http://www.advisor.ca/insurance/life/desjardins-raises-permanent-insurance-and-ci-rates-108159#comments</comments>
		<pubDate>Thu, 14 Feb 2013 22:34:27 +0000</pubDate>
		<dc:creator>Staff</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Living Benefits]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=108159</guid>
		<description><![CDATA[This marks the fourth round of LCOI price changes on UL policies.]]></description>
		<wfw:commentRss>http://www.advisor.ca/insurance/life/desjardins-raises-permanent-insurance-and-ci-rates-108159/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>UPDATED: IDC WIN acquires Strategic Brokerage Services</title>
		<link>http://www.advisor.ca/news/industry-news/mga-merger-idc-win-acquires-strategic-brokerage-services-100703?rss=yes</link>
		<comments>http://www.advisor.ca/news/industry-news/mga-merger-idc-win-acquires-strategic-brokerage-services-100703#comments</comments>
		<pubDate>Mon, 03 Dec 2012 22:44:56 +0000</pubDate>
		<dc:creator>PGILIP PORADO</dc:creator>
				<category><![CDATA[Conference Coverage]]></category>
		<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Living Benefits]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=100703</guid>
		<description><![CDATA[IDC Worldsource Insurance Network has acquired the MGA business of Calgary-based Strategic Brokerage Services. The transaction also includes the business of SBS West, an associated firm located in Langley, British Columbia.]]></description>
		<wfw:commentRss>http://www.advisor.ca/news/industry-news/mga-merger-idc-win-acquires-strategic-brokerage-services-100703/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Sandy caused millions in Canadian damages</title>
		<link>http://www.advisor.ca/news/industry-news/sandy-caused-millions-in-canadian-damages-100194?rss=yes</link>
		<comments>http://www.advisor.ca/news/industry-news/sandy-caused-millions-in-canadian-damages-100194#comments</comments>
		<pubDate>Wed, 28 Nov 2012 15:04:42 +0000</pubDate>
		<dc:creator>Staff</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Living Benefits]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=100194</guid>
		<description><![CDATA[The estimated insured property damage caused by Sandy in Ontario and Quebec amounts to approximately $100 million.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Onex to acquire U.S. insurance leader</title>
		<link>http://www.advisor.ca/news/industry-news/onex-to-acquire-u-s-insurance-leader-99806?rss=yes</link>
		<comments>http://www.advisor.ca/news/industry-news/onex-to-acquire-u-s-insurance-leader-99806#comments</comments>
		<pubDate>Mon, 26 Nov 2012 14:52:57 +0000</pubDate>
		<dc:creator>Staff</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Living Benefits]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=99806</guid>
		<description><![CDATA[Onex Corporation has agreed to acquire one of the top ten U.S. providers of insurance brokerage services.]]></description>
		<wfw:commentRss>http://www.advisor.ca/news/industry-news/onex-to-acquire-u-s-insurance-leader-99806/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cope with a shrinking insurance market</title>
		<link>http://www.advisor.ca/insurance/life/cope-with-the-shrinking-insurance-market-99259?rss=yes</link>
		<comments>http://www.advisor.ca/insurance/life/cope-with-the-shrinking-insurance-market-99259#comments</comments>
		<pubDate>Thu, 22 Nov 2012 10:59:46 +0000</pubDate>
		<dc:creator>Katie Keir</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Living Benefits]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=99259</guid>
		<description><![CDATA[In today’s market, insurance providers are facing major hurdles.]]></description>
		<wfw:commentRss>http://www.advisor.ca/insurance/life/cope-with-the-shrinking-insurance-market-99259/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Empire Life restricts GMWB deposits</title>
		<link>http://www.advisor.ca/insurance/living-benefits/empire-life-restricts-gmwb-deposits-2-99436?rss=yes</link>
		<comments>http://www.advisor.ca/insurance/living-benefits/empire-life-restricts-gmwb-deposits-2-99436#comments</comments>
		<pubDate>Tue, 20 Nov 2012 20:02:57 +0000</pubDate>
		<dc:creator>Vikram Barhat</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Living Benefits]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=99436</guid>
		<description><![CDATA[The pool of guaranteed income options is shrinking in Canada, and those in existence are being fine-tuned by the few companies still offering them.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Help your senior get insurance</title>
		<link>http://www.advisor.ca/insurance/life/help-your-senior-get-insurance-98699?rss=yes</link>
		<comments>http://www.advisor.ca/insurance/life/help-your-senior-get-insurance-98699#comments</comments>
		<pubDate>Mon, 19 Nov 2012 10:59:44 +0000</pubDate>
		<dc:creator>Helena Smeenk Pritchard</dc:creator>
				<category><![CDATA[Life]]></category>
		<category><![CDATA[Living Benefits]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=98699</guid>
		<description><![CDATA[If your clients older than 65 are applying for insurance, underwriters are mainly concerned about unexplained falls.]]></description>
		<wfw:commentRss>http://www.advisor.ca/insurance/life/help-your-senior-get-insurance-98699/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>You need a Plan B</title>
		<link>http://www.advisor.ca/my-practice/you-need-a-plan-b-98625?rss=yes</link>
		<comments>http://www.advisor.ca/my-practice/you-need-a-plan-b-98625#comments</comments>
		<pubDate>Fri, 16 Nov 2012 10:59:44 +0000</pubDate>
		<dc:creator>April-Lynn Levitt</dc:creator>
				<category><![CDATA[Life]]></category>
		<category><![CDATA[Living Benefits]]></category>
		<category><![CDATA[My Practice]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=98625</guid>
		<description><![CDATA[Do you have a contingency plan in place for critical illness, disability, or death?]]></description>
		<wfw:commentRss>http://www.advisor.ca/my-practice/you-need-a-plan-b-98625/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>4 carriers adjust guaranteed and level cost products</title>
		<link>http://www.advisor.ca/insurance/life/4-insurance-carriers-adjust-guaranteed-and-level-cost-products-98448?rss=yes</link>
		<comments>http://www.advisor.ca/insurance/life/4-insurance-carriers-adjust-guaranteed-and-level-cost-products-98448#comments</comments>
		<pubDate>Tue, 13 Nov 2012 16:12:10 +0000</pubDate>
		<dc:creator>Staff</dc:creator>
				<category><![CDATA[Industry News]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Living Benefits]]></category>

		<guid isPermaLink="false">http://www.advisor.ca/?p=98448</guid>
		<description><![CDATA[Persistent low interest rates continue to cause problems for insurance companies.]]></description>
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