Sales of Individual Life Insurance Policies are Going Up
Insurance sales are soaring. Photo by Phil Brown In 2012, various insurance industry research centres reported that new annualized premiums for individual life insurance policies grew by 6 per cent, which makes 2012 the third sequential year of growth for … Continue reading →

Happy National Employee Benefits Day
Light a cigar for group benefits specialists. Photo by John Verive On April 2, 2013, group benefits brokerages across the nation will celebrate National Employee Benefits Day. National Employee Benefits Day acknowledges trustees, administrators, corporate benefits suppliers, and professional advisors … Continue reading →

Toronto Group Insurance Broker: Joel Cadesky
Having group benefits makes your business stronger. Start-Up Canada will tell you that as of December 2012, there are 1.2 million small businesses in this country. This number continues to grow. For example, between 2002 and 2007, 104,000 new small … Continue reading →

Toronto Life Insurance Broker: Tamara Humphries
Tamara Humphries will be there for you. According to the Toronto Star, Toronto's population has grown by 38,000 over the past 12 months, and Toronto ha overtaken Chicago as the fourth largest city in North America.  More residents means more … Continue reading →

Sean Long: “Critical Illness Insurance Is Expensive, But It Works”
Critical Illness Insurance is expensive, but it works. Photo by Duckie Monster The only thing that has truly changed in the critical illness market over the years is price. So says Sean Long, an insurance consultant from Calgary, Alberta, who … Continue reading →

Life Insurance Toronto: Tips from Chantal Marr
 Buying life insurance can be a confusing and often intimidating process. Our president, Chantal Marr, has tips for all life insurance buyers. Our own Chantal Marr, president of LSM Insurance, is here to share her expertise as an insurance broker … Continue reading →

Term Life Insurance and What to Look Out For: Tips from an Industry Veteran
Ami Maishlish says the wording in term insurance contracts has a big impact on your coverage. Photo by Joe Hall Ami Maishlish has been involved with the insurance industry since 1974. He is president and CEO of CompuOffice Software Inc., … Continue reading →

Is Term Life Insurance Cheaper in the U.S. than in Canada?
Which is cheaper? Canada or the U.S.? Ami Maishlish has 39 years of experience with the insurance industry on both sides of the border. He is the president and CEO of CompuOffice Software Inc., a software firm that creates software … Continue reading →

Creating a Win-Win Group Benefit Plan for Both Employer and Employee
Splitting the cost is one way group benefits can be a win-win arrangement. Group benefit plans can be a win-win arrangement for both employer and employee, and Joel Cadesky, a senior account executive specializing in group benefit insurance, spends his … Continue reading →

Group Insurance is Not Just Health and Dental Insurance
Group insurance doesn't just cover chiropractic treatments. Photo by doctorwonder Group Insurance doesn't just cover the dental and health needs of your employees. There are also many non-traditional products and features that can be included as part of a group … Continue reading →

Mandatory Generic Drugs on Group Plans: Has Your Broker Explained the Impact?
Generic drugs will be the only variety group plans will cover from now on.   In an effort to cut drug costs, group health insurance companies have announced that they will now only pay for generic drugs and individuals will … Continue reading →

Real Life Insurance Stories: Carolyn Davis-Jardine and Her Husband, Dan
Carolyn Davis-Jardine would have never bought life insurance on her own. Dan As a migraine sufferer with a bad back, she is unable to work and tries to make ends meet on an extremely low fixed income provided by the … Continue reading →

Real Life Insurance Stories: Lisa Harbinson and Her Mother Joyce Truman
Lisa Harbinson wanted a new life insurance policy for her mother, Joyce. She thought mom was paying too much at over $100 a month for a $10,000 term policy that she had borrowed money against and now had to pay … Continue reading →

In a Fight With an Insurance Company: What Are Your Options?
Usually mediation comes before a trial in these matters. Photo by bloomsberries When you're in a dispute with an insurance company, what you do first should depend entirely on the type of claim you have. This could be a personal … Continue reading →

The Advantages and Disadvantages of Insured Annuities in a Low Interest Rate Environment
Insured annuities are as guaranteed and unwavering as the passage of time. There are many investment options available to the public these days, but it can often be difficult to determine which is right for your particular situation. An insured … Continue reading →

Disability Insurance: How to Find the Right Plan
Over 3.6 million Canadians have a disability (that's one in eight or roughly 13% of the population) and it only increases with age. Add to that the fact that disability costs the Canadian economy about $60 billion annually. But with … Continue reading →

The Advantages and Disadvantages of Corporately-Owned Life Insurance
Corporately owned life insurance is simply life insurance that is owned by an incorporated business instead of an individual. It is most commonly put in place when a corporation is profitable and they want to be able to protect their … Continue reading →

How to Collect on a Life Insurance Policy
LSM can help you collect on a life insurance policy. Photo by Duckie Monster You're the beneficiary of an insurance policy and you've just become eligible to collect, so now what do you do? Our team at LSM Insurance will … Continue reading →

The Top Five Shady Life Insurance Plans Being Sold
Getting screwed by life insurance companies and banks isn't very funny. Photo by Sergio 1. Mortgage Insurance: Nearly everyone who buys a home is offered the chance to buy mortgage insurance along with the purchase, but no one considers insurance when … Continue reading →

Life Insurance Distribution Channels in Canada
Insurance distribution has changed over the years. Life Insurance distribution in Canada has muddied in recent years. In the 1980s and 1990s, virtually all life insurance policies were sold through captive agents. A captive agent is someone who sells life … Continue reading →

5 Traits of Successful Life Insurance Brokers
Becoming a successful insurance broker is hardly a cake walk, it takes discipline, hard work and a passion for helping people.

Increasing Your Prospect Pool with Social Networking
Social networks can help you get your name in front of more people and build upon the concept of Passive Prospecting. Here are some tips on how to use them.

10 Ways to Become a Top Insurance Broker
So you want to be a Top Insurance Broker? Here are 10 tips you should follow to become the best.

Creating work–life balance
The stress of the industry can adversely affect an advisor’s health and life. The following tips will help improve your morale and enhance your bottom line.

Critical Mistakes to Avoid in the Life Insurance Business
This sector offers plenty of opportunities, and there’s always possibility for growth—use the following advice and have no obstacles in your path to success.

Getting started in the group insurance business
There are five reasons why a new or experienced advisor may want to consider specializing in the group market.

Six key traits of a successful insurance broker
What does it take for a new broker to succeed in insurance? The following six key traits determine if you are ripe for success in this industry.

10 Tips for In-Person Meetings with Prospective Clients
Meetings with clients are key elements in building your reputation as a financial planner. Here is what you need to master to create successful relationships.

Cold Calling for Insurance Brokers - Eight Basic Tips
Cold calling may not be the best way to generate new business, but it's an invaluable skill that every professional insurance broker should master.

Generating Client Referrals – 9 Proven Methods for Success
Many successful businesses are built upon referrals and the life insurance business is no exception.Here are some of my unique strategies for referral building.

Five Tips To Turn Volatility Into Opportunity
Are you a life insurance broker? The following steps will help you generate additional revenue and create loyalty among your clients.

Four Easy Steps To Complete Client Loyalty
Creating client loyalty is not an easy task. Lorne's got four steps you should follow to generate referrals and create a positive atmosphere for your clients.

Four Tips To Help You Put The Pro In Professionalism
Read Lorne's tips to help you put Pro in Professionalism! Learn what separates high-level producers from those floundering in the financial services business.

Independent life insurance broker – 10 reasons to become one
10 reasons why to become an Independent Life Insurance broker.

Motivational strategies for life insurance brokers
Motivation is usually the bottom line secret of successful financial planners. The life insurance industry can be very rewarding if you work smart.

Taking Control of Your Time
You are a life insurance broker and you want to maintain your profitability and sanity. These steps will help increase your level of organization.