Bruce Cumming

Pay for the funeral, in advance

When completing insurance applications for clients, it’s often necessary to address touchy subjects—sometimes hitting on potentially embarrassing issues such as clients’ spending habits, their medical histories and even the quality of their marriages. But it’s a process that’s critical if we are to help people effectively plan for their financial futures.

By Bruce Cumming |May 21, 2012

6 min read

Life

Ensure clients are insured for life

During any discussion regarding life insurance, advisors should be seeking the answer to two key questions: While both questions are important, the answer to the first usually determines the response to the second. Most of our clients need lots of coverage. This means the use of permanent insurance – which costs significantly more than temporary […]

By Bruce Cumming |April 26, 2010

7 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

Planning and Advice

Rising through the ranks

Wow, where did all that time go? I vividly remember working for banks on Wall Street and Bay Street but what I remember most is the burning desire to be an entrepreneur – to have my own business so I could be in control of my own destiny. Over the years, and through the ranks, […]

By Bruce Cumming |January 1, 2010

4 min read

Life

How much life insurance does a client need?

How long have you worked at that employer; How long have you worked at that employer; How many companies have you worked for over the years; Did they all have similar group life coverage; Do you expect to be working at that company when you die; and Would you ever like to get involved in […]

By Bruce Cumming |October 6, 2009

6 min read