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Beginning the succession discussion

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…

Benefits benchmarking

A generation ago, benefits plans were a different animal. One-size-fits-all plans were the norm and the offloading of health costs by governments had yet to…

Doubt and designations

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…

WL or UL? Depends on the client

The question of whether a client belongs in a universal life policy or a whole life policy is complicated by a few different facts and…

Hedging against uninsurability

When it comes to insurance sales, some clients may be inclined to avoid the “bells and whistles” that are available on their policy, believing they…

A client’s dreams define their risks

Insurance advisors may well have a template to cover off obvious insurable risks for their clients. Often those risks involve some projection of future financial…

U.S. may soon regulate Indexed Annuities as insurance products

It will take an act of Congress but insurers could be very close to getting what they’ve been seeking for the last two years —…

Preventing beneficiary disputes

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…

Life settlements: Investing in mortality

There’s a relatively new product out there for pension plans and high net worth investors seeking stable returns with relatively low volatility. But it comes…

Doubt and designations

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…

Pitching disability coverage

Picture this: You have a client – 10 years away from retirement – who comes to you for retirement advice. You spend several hours, maybe…

  • By: Jim Otar
  • June 8, 2010 August 14, 2018
  • 10:11

Understanding sleep apnea

Although the first detailed description of obstructive sleep apnea (OSA) only appeared in the 1960s, its characteristics were described well before this in the works…

Maximizing a legacy

My wife is a legal assistant for an estate lawyer. Regularly, she gets involved in settling estates for their most senior clients who have left…

Immediate leveraged insurance: Tips and traps

Watch out for these issues

  • By: Kevin Wark
  • September 12, 2018 September 12, 2018
  • 15:14

Coach clients through death claims

The process should start while clients are still alive

Should small businesses insure key people?

A look at the considerations and different policies

What you should know about EI benefit changes

Parents and caregivers are affected

  • By: Staff
  • November 9, 2017 September 10, 2018
  • 15:08

Advise clients on insurance in unstable countries

Three experts weigh in

  • By: Allan Tong
  • April 13, 2017 September 10, 2018
  • 13:57

This advisor never thought he’d need CI coverage. Then he did

What he learned after becoming a statistic