Life

Decorative pattern

Insurers granted relief on seg fund reserves

The Office of the Superintendent of Financial Institutions (OSFI) has announced revisions to its capital rules for segregated fund guarantee obligations, obligations for life insurers with approved internal models. The changes mean that approved insurers will face less pressure to shore up their capital reserves, which have been hit hard in the past two months […]

By Steven Lamb |October 29, 2008

2 min read

Decorative pattern

Advisors can influence underwriting outcome

(October 2008) It’s the unpleasant scenario far too many advisors face: you have a client ready to commit to a new life or health policy, but the client’s health is questionable. Yet many advisors are not adequately helping their clients to increase their odds of a better underwriting result, according to the medical director of […]

By Mark Noble |October 22, 2008

6 min read

Decorative pattern

Premium Advice — Forgotten insurance practices shine in volatile markets

Headlines of bailouts, rescue plans and bank failures no doubt have your clients on edge, but I bet most of those frantic calls you’re getting centre around whether or not someone’s portfolio can withstand the downward market pressure. Insurance planning, though, has historically played a crucial part in financial planning during periods of market disruption. […]

By Chris Paterson |October 2, 2008

4 min read

Decorative pattern

Premium Advice — Forgotten insurance practices shine in volatile markets

Headlines of bailouts, rescue plans and bank failures no doubt have your clients on edge, but I bet most of those frantic calls you’re getting centre around whether or not someone’s portfolio can withstand the downward market pressure. Insurance planning, though, has historically played a crucial part in financial planning during periods of market disruption. […]

By Chris Paterson |October 2, 2008

4 min read

Decorative pattern

Aging insurance

It seems we’re overdue for a reality check. According to various statistical studies, life expectancies of both men and women are increasing. In 1996, there were 3,125 centenarians in Canada; in 2001 the number grew to 3,795; and this segment of the population is steadily increasing. Undoubtedly, an aging population has huge economic ramifications for […]

By David Wm. Brown |October 1, 2008

3 min read

Decorative pattern

Joint venture

As I enjoy a coffee break at the 2018 Distribution Symposium, I think back to the days when the Managing General Agencies and the Mutual Fund Dealerships attended separate conferences. Our issues were so different, our agendas so diverse. We didn’t have similar goals back then, and although we knew the industry was changing, we […]

By Terri DiFlorio |October 1, 2008

3 min read

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Giving the insurance industry a makeover

For the most part, people have a negative view of insurance and the insurance industry. Many consumers see insurance as a “grudge” purchase and feel that insurance salespeople just want to push a policy and move on. And while it’s true that some advisors disappear after selling a product, many work diligently to establish relationships […]

By Mark Halpern |September 11, 2008

5 min read

Decorative pattern

Indulgent incentives

Our agency recently won two contests, separately held by two large insurance companies. Both awards, based on productivity levels, included lavish holidays or conference trips worth thousands of dollars. Unfortunately, because of time constraints, we were unable to take advantage of either. One of the insurance companies, understanding the reason we couldn’t attend, uncharacteristically doled […]

By David Wm. Brown |August 1, 2008

3 min read

Decorative pattern

Premium Advice — Using insurance to ensure a happy second marriage

A lot of our clients are successful in business, but marriage is another story. Many first-time unions have ended in divorce because of an overworked husband or wife, but now that they have a solid career, it’s often time to find a special someone again. Life isn’t as simple for your client as it was […]

By Chris Paterson |June 3, 2008

4 min read

Decorative pattern

Ways to approach wills and insurance

(August 2007) A life insurance policy is the one financial product that your client is probably not keen to see paid out anytime soon. But like a will, life insurance is an estate planning tool that will bring certainty to a client’s legacy. Corry Collins, a CFP and chartered life underwriter at Halifax-based Living Benefits […]

By Mark Noble |August 17, 2007

4 min read

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