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	<title>Life Insurance Canada</title>
	<link>http://lsminsurance.ca</link>
	<description>LSM Insurance will help you get the life insurance you need for less money than anyone else in Canada. Free online quotes.</description>
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<image><title>Life Insurance Canada</title><url>http://lsminsurance.ca/site/wp-content/themes/shinylsm/img/logo.png</url><link>http://lsminsurance.ca</link><description>LSM Insurance will help you get the life insurance you need for less money than anyone else in Canada. Free online quotes.</description></image>
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		<title>Guaranteed Issue Life Insurance: Who Should Buy It?</title>
		<description><![CDATA[Guaranteed Issue policies feature no medical tests. Photo by thinkpanama Guaranteed Issue life insurance seems like an excellent choice at first glance. The commercials and advertisements can be very alluring because the insured is not asked to complete any health questions and there are no medical tests. However, this convenience comes at a big cost. [...]]]></description>
		<link>http://lsminsurance.ca/insurance-types/2012/02/guaranteed-issue-life-insurance-who-should-buy-it</link>
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		<title>Group Insurance and Medical Tests</title>
		<description><![CDATA[Most group insurance policies in Canada do not require medical evidence with the application, meaning that employees in the company can obtain life, disability and health coverage without a medical. The one caveat is, the insurance company can adjust the company's premiums on renewal if they have a very high claims experience. Most insurance carriers [...]]]></description>
		<link>http://lsminsurance.ca/life-insurance-canada/2012/02/group-insurance-and-medical-tests</link>
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		<title>Union of Canada Life to be Liquidated</title>
		<description><![CDATA[The Ontario Superior Court of Justice has ordered Union of Canada Life liquidated. On February 2, 2012, the Ontario Superior Court of Justice ordered that Union of Canada Life cease all business operations and its remaining assets be liquidated, finding that the insurance company had insufficient capital to ensure long-term viability. "Union of Canada Life [...]]]></description>
		<link>http://lsminsurance.ca/life-insurance-canada/2012/02/union-of-canada-life-to-be-liquidated</link>
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		<title>BMO Releases 2011 Annual Report</title>
		<description><![CDATA[&#160; On January 30, BMO Financial Group, the parent company of the Bank of Montreal and BMO Life Insurance,&#160;released their 2011 Annual Report on their website. It revealed that the company took in a reported net income of $3,266 million during the fiscal year, which is up 16 per cent or $456 million from the [...]]]></description>
		<link>http://lsminsurance.ca/life-insurance-canada/2012/02/bmo-releases-2011-annual-report</link>
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		<title>Group Life Insurance in Canada</title>
		<description><![CDATA[Group insurance policies in Canada almost always include a group life insurance component. How Group Insurance works in Canada The group life insurance component can be subdivided into basic life insurance, which provides the employee with the basic amount of coverage. This coverage amount can be a flat amount or a multiple of the employee's [...]]]></description>
		<link>http://lsminsurance.ca/life-insurance-canada/2012/01/group-life-insurance-in-canada</link>
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		<title>New question in Life Insurance FAQ</title>
		<description><![CDATA[New question in Life Insurance FAQ:Hello I'm looking for life insurance policy in Canada that: 1) Requires no medical exam, 2) Can be paid up in 10 years or less and, 3) May be purchased without going through a broker. Thanks for your help Thanks for the question. In term of a no medical life [...]]]></description>
		<link>http://lsminsurance.ca/life-insurance-canada/life-insurance-faq/2012/01/hello-im-looking-for-life-insurance-policy-in-canada-that-1-requires-no-medical-exam-2-can-be-paid-up-in-10-years-or-less-and-3-may-be-purchased-without-going-through-a-broker.thanks-for-your-help</link>
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		<title>Life Insurance for Nurses</title>
		<description><![CDATA[There are life insurance opportunities for nurses. Photo by Timefornurses Statistics from the government of Canada indicate that Canadian registered nurses, totalling 273,051 across the country, earn an average of $36.22 an hour. Many of them get opportunities to purchase life insurance through their group benefits plan or professional associations or organizations. However, individual life [...]]]></description>
		<link>http://lsminsurance.ca/life-insurance-canada/2012/01/life-insurance-for-nurses</link>
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		<title>Group vs. Individual Health and Dental Insurance</title>
		<description><![CDATA[Getting your health and dental covered individually or as part of a group Group health and dental insurance plans provide coverage for a group of people, while individual health and dental coverage provides coverage to an individual and/or his family. Group plans can be established through a company, an association, or a religious organization. There [...]]]></description>
		<link>http://lsminsurance.ca/insurance-types/2012/01/group-vs.-individual-health-and-dental-insurance</link>
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		<title>Strategies for Maximizing the Value of Your MGA</title>
		<description><![CDATA[What it takes to strengthen the value of your MGA Photo by Lin Mei When assessing the value of your MGA, don't expect the same level of consistency as you would when assessing a bottle of wine: neither individual books of business, nor MGAs have aged very well. "It's important to be aware that you [...]]]></description>
		<link>http://lsminsurance.ca/life-insurance-canada/2012/01/strategies-for-maximizing-the-value-of-your-mga</link>
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		<title>How Does a Group Disability Insurance Offset Work?</title>
		<description><![CDATA[You can offset your disability insurance. Photo by Dave Gingrich Individuals who are looking at augmenting their individual disability insurance but who also have group disability insurance should be aware of how group offsets work. Group insurance offsets protect the insurance company from over-insuring individuals for disability insurance. If an individual has group disability insurance [...]]]></description>
		<link>http://lsminsurance.ca/life-insurance-canada/2012/01/how-does-a-group-disability-insurance-offset-work</link>
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