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An unfortunate reality today is that some clients are finding themselves without work

The Canadian insurance market has continued to deglobalize with the rise of domestic insurers.

  • By: Staff
  • January 16, 2013 August 21, 2018
  • 05:59

Many employees place almost as much value on workplace benefits as they do on salary. In a 2011 survey asking Canadians if they’d forgo them for a $20,000 raise, 56% said they’d keep their benefits.

As if the sandwich generation didn’t have enough to fret about, they now have to worry about their new insurance needs, too. And many don’t even know it.

Clearing the DI sales hurdle Disability insurance isn’t the sexiest or most lucrative offering in an insurance advisor’s lineup. The policies have a lot of moving parts, clauses and conditions, a lot of clients are already insured and there are no large ticket sales if you’re selling to the average middle class client. But DI […]

  • By: Staff
  • February 27, 2012 August 21, 2018
  • 06:00

With life insurance so many people don’t know what they don’t know and therein lays your opportunity to make such a significant “external influence”.

The Canadian life and health insurance industry is witnessing some dramatic developments. Barely a day after Standard Life's announcement that it would discontinue its individual life insurance and critical illness products, there is word that Sun Life Financial has dismantled its long term care insurance (LTCI) specialist model.

Do your clients have adequate protection in the event they become ill and unable to work? If not, now may be the time to initiate a discussion with them about owning an individual disability insurance policy. Let them know where their coverage may be lacking if they are part of a group policy.

Disability income (DI) insurance isn’t the sexiest or most lucrative offering in an insurance advisor’s lineup. But DI is an important part of the puzzle for anyone who makes a point of offering holistic advice.

Picture this: You have a client - 10 years away from retirement - who comes to you for retirement advice. You spend several hours, maybe a full day with him, going over many different retirement scenarios.

  • By: Jim Otar
  • November 21, 2011 August 21, 2018
  • 10:30