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Sheryl Smolkin | Journalist, Retirement Redux

October 27th, 2014


Sheryl Smolkin
Journalist, Retirement Redux

1) What Type of Life Insurance do you own?

My workplace life insurance which was twice my salary ended when I retired at age 54 from my corporate job. I have continued to pay for a $15,000 policy available as part of my retirement package. My husband’s workplace coverage is similar and will also end when he retires. We have sufficient assets at this stage and a paid-up house so we do not view life insurance as a priority.

2) What factors did you consider when determining the coverage amount?
Probably we did not put enough thought into the amount of life insurance we needed as we raised our family. We simply accepted that the coverage at work was sufficient. We also did not have mortgage insurance. I guess we were lucky that it all worked out.

3) Do you believe in life insurance for children?

No. We had RESPs for both children.

4) What is the biggest life insurance mistake people make?

I think that people who fudge their medical questionnaires or do not disclose information about pre-existing conditions are just asking for trouble. Another BIG mistake is when people forget to change their beneficiaries in the case of divorce. It’s an invitation for future litigation when your ex and your new spouse claim the benefits on your death. Finally, never buy mortgage insurance for a whole bunch of reasons, including the fact that the premiums on mortgage insurance stay the same throughout the term (five years, for example), but the payout, if there is one, shrinks with the mortgage.

5) Outside of life insurance, what other types of individual insurance
are often overlooked?

Many people think that OHIP pays for everything. In fact, if you do not have workplace coverage you will have to pay for your own drugs, dental bills, physiotherapy etc. Particularly when you have a family or you are retiring, supplementary health coverage is vital. And of course, disability coverage is a must, particularly for the self-employed or independent business people.

Sheryl Smolkin is a retired pension lawyer who over the last 10 years has developed an “encore career” as a freelance journalist writing about pensions, benefits and workplace issues. For three years she blogged on moneyville and wrote a column called At Work for the Toronto Star. “Real retirement” is getting closer, but Sheryl is still trying to figure out what that means for her. Her new blog RetirementRedux: Reinventing Retirement is part of her transition to “life after work.”

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CRA Rules Seg Funds Not Tax Deductible

October 24th, 2014
money 7
Use caution when it comes to seg funds.

The Canada Revenue Agency has ruled segregated funds are not tax deductible. 

"A segregated fund policy is a contract of insurance...not a share or security," said a statement from the CRA confirming the decision.

The ruling was made in response to a question asked at the Conference for Advanced Life Underwriting (CALU) spring meeting. CALU has responded with disappointment by saying that the CRA definition is a narrow view of how insurance investment products should be defined.

The CALU has  further noted that they understood further submissions were being made on this topic that they hoped will lead the CRA to take a more expansive interpretation.

Jamie Golombek, CIBC's managing director of tax and estate planning and frequent guest on The Marilyn Denis Show, sides with the CALU, even though he says the CRA is technically right.

"The CRA is technically correct in saying that the fee is not deductible since seg funds are not a security. That being said, we all know that investors see mutual funds and segregated funds as very similar investment vehicles, sometimes, even interchangeable and therefore for clients who pay investment counseling fees for the seg fund investments are clearly at a disadvantage compared to securities’ investors."

Brian So|Insurance Advisor, AAFS Insurance

October 23rd, 2014


Brian So
Insurance Advisor, AAFS Insurance 

1.What type of disability insurance do you own?
I own an individual disability insurance policy with an regular occupation extender, residual disability, future insurability and cost of living riders. In case your readers are not aware, the regular occupation extender means that I will not be forced back to work after 24 months if I could work in any gainful occupation. Residual disability protects me from a partial loss of income, future insurability allows me to add to the coverage if my income increases in the future, and cost of living indexes my benefits to inflation. I feel that riders are more important for disability than life insurance and the ones I chose are mandatory to protect myself from all the risks, even though they increase the cost of coverage.

(Brian So|Insurance Advisor, AAFS Insurance continued...) | 2 comments

The Frugal Trader|Blogger, The Million Dollar Journey

October 22nd, 2014


The Frugal Trader
Blogger, The Million Dollar Journey

1.What type of disability insurance do you own?
My wife and I have individual policies in own-occupation disability insurance.

(The Frugal Trader|Blogger, The Million Dollar Journey continued...)

Enjoying Life in 10 Simple Ways

October 17th, 2014
Enjoying Life in 10 Simple Ways
Enjoy Life

You are stuck in a rut and life is passing you by. Parents work and provide a living for their family while living a life that is not enjoyable. Perhaps you are a single woman or man living on their own and have given up on finding a partner. Fret no more, here are 10 ways to Enjoy Life

1. Wake Up Like a Champion

For many of us, waking up is the hardest thing to do. It is a battle to get out of bed and face the world in the morning. However, when enjoying life a good morning can lead to a great day. Putting on an upbeat song and having breakfast, even if it is as simple as a bowl of cereal can energize you every day.

2. Treat Yourself to a Getaway

You deserve to take a trip every now and then. Vacations are great for relaxing and getting away from the pressures of everyday life. Places like Japan, Hawaii, the Caribbean or Europe are great choices to see how other cultures life their life. If these places are too far away for you or break your budget, there is usually a place just a drive away you can get to for escaping your everyday life.

3. Sign Up For Classes

There is nothing else like the feeling of learning something new. If you are out of school does not mean you should stop learning. You should always have the will to learn new things. This is how you learn about yourself. Towns and cities usually host classes during the Fall or Summer. These classes can range from dances, sports, art and culture. This is also a way to meet people with whom you have a common interest with.

4. Socialize

We are social creatures. We need to be social. Maybe some of you do this already but go out with your friends on occasion. Call them up and head out to the movies, go bowling, or meet up a friend’s place. Another way to socialize is to attend events. There is a great website made for meeting up with people, with similar interests, called Meetup. For those that are introverted, you might not admit it but socializing is good for you. Municipalities often have a website with an event listing and most of the events are free.

5. Try Something New

As people get older, we tend to get comfortable and set ourselves in stone. We do not like to change who we are because we have an idea of who we are and how we are suppose to act. This is limits our ability in enjoying life. There are so many possibilities of things to do it would be silly to only choose a select few. This does not have to be something extreme like skydiving, or bungee jumping. It could be as simple as, going to a new restaurant, try to place a new sport or even write a blog.

6. Take a Nap

You just had a long hard week and now the weekend is here but you are too exhausted to enjoy it. Take a nap. There is nothing like taking a nap on a lazy Saturday or Sunday afternoon. Curl up under the blankets, if it’s too cold, and enjoy the allure of your bed.

7. Enjoy Music

Music is vital. It is an extension of our expression. When you listen to music, you tend to feel the rhythm course through you. There have been proven studies that music has the ability to change your mood. So listening to an upbeat or motivating song will instantly help you enjoy life. Free streaming services like Spotify, have playlists based on moods which are helpful in getting you into the mood to take on the world.

8. Discover Your Surroundings

Walk around your city or town and discover new locations. Act like a tourist in your own surroundings and explore why it is so great. Maybe there is a museum in your city you haven’t been to yet. Or perhaps, there are nature trails or parks that you have not explored.

9. Indulge in Comfort Food

Just made it through a long stressful day? Indulge in something comforting like pizza, chocolate or a bag of chips. You don’t want to do this too often but indulge once in awhile. It is a tasty way to relieve some of that stress.

10. Break Routine

Routine is great. It gives order to your life. Some routines should not be broken such as exercising or eating breakfast. Routines become predictable and boring. You need to break routine sometimes to bring excitement into your life. If you watch TV or movies every Tuesday night switch it up to something else. Play a game, read a book or go out for the night.

Whatever it is you are doing in life, apply any of these tips to enjoy your life. You only have one life to live so make it count.

Top 5 High Risk Diseases That Will Make it Difficult to Get Life Insurance

October 15th, 2014
Heart Monitor
Heart Rate Monitor

Looking for life insurance with a high risk disability or disease is a difficult task. Often, insurance companies will only offer expensive premiums and others will decline your application all together. When an insurance company decides bring you on, there are a lot of variables that are considered when determining to accept an application. Some factors include, age, weight and gender.

Companies also rate the severity of the disease. If an illness is categorized as mild or moderate then companies will accept you. You may be able to obtain preferred or standard rates. Yet, if the illness is clearly severe then your only option is the substandard rate otherwise you will be declined. Here are five of the most difficult diseases to obtain life insurance with.

1. Coronary Heart Disease

According to Statistics Canada heart disease is the second leading cause of death in Canada and is a major concern for both men and women. Coronary heart disease occurs when there is a partial or complete block of blood from to the heart from the arteries. There are many factors used in determining how to rate the severity of coronary heart disease, such as, cholesterol, age, history of heart attacks and treatment. In moderate to severe cases young individuals are at risk of being declined life insurance.

2. Cancer

Getting life insurance with cancer is an extremely difficult and long process, depending on the type of cancer, stage the cancer is in, and the severity of the cancer. In most cases, time is the most important factor. If the person diagnosed with cancer has lived between 3 - 10 years, depending on the cancer type, then more options are available. This list will briefly go over breast, colon and skin cancer.

For those that have breast cancer, it is possible to obtain life insurance as long as you are below stage 3. Anyone diagnosed with breast cancer below stage three can qualify for standard and substandard rates. Anyone diagnosed with breast cancer above stage three will have to look into a graded policy.

Similar with breast cancer, anyone with colon cancer that is stage three and below are eligible for life insurance. Stage four colon cancer is uninsurable and will have to look into getting a graded policy

Unlike breast or colon cancer, there are different types of skin cancer and different levels of risk associated with it. The first two types of skin cancer are basal cell carcinoma and squamous cell carcinoma. For those that have been diagnosed with either type have no worries. Once the cancer has been removed insurance companies will offer, at most, the standard rate. The last type is a malignant melanoma. This type of skin cancer can be hard to insure since the cancer can be fatal. Earlier detection and removal means you could get preferred or standard rates. Otherwise, companies will put a hold on the application for 2 - 5 years.

3. Chronic obstructive pulmonary disease. (COPD)

COPD is a long-term lung disease often caused by smoking. The lining within the lungs will start to decay. Dealing with COPD the only rates that can be offered are either standard or substandard. Decline occurs with any of the three following conditions. If you are still smoking with COPD, require an oxygen tank or lung function is below 40%.

4. Multiple Sclerosis

People with multiple sclerosis know how hard it is to obtain life insurance. The key to obtaining life insurance with MS is to target life insurance companies who are competitive with MS cases or contact high risk insurance brokers. In mild cases of multiple sclerosis where the applicant has control over treatment and no disabilities or other medical conditions then you will qualify for standard rates. In other cases, where disability has been declared but a caregiver is not needed, then the substandard rate will be applied. Unfortunately, in severe cases where a caregiver is required or if the disease is progressing then traditional life insurance is not applicable. However, the option of a graded policy is still offered.

5. Diabetes

Life insurance companies look at five key factors when determining your life insurance application they are: age of diagnosis, treatment, type of diabetes, other complications and A1C and blood sugar levels. How these factors impact your chance in gaining a life insurance policy. Age has a big impact in the premium that has to be paid. Someone who was diagnosed with diabetes in a later stage in life will have a better premium than someone diagnosed earlier. You can get better rates if you are getting treatment for your diabetes. Type 2 diabetics will have a better chance in getting life insurance over type 1. If you have diabetes with other complications then it is possible to declined life insurance. Finally, your blood sugar and A1C levels will determine if you have to pay standard or substandard rates.

A common thread with each high risk scenario in this article is that you must provide the date of diagnosis, the treatment you are undergoing and your overall health. The most important factor is when the you were diagnosed with the disease. For example, someone who was diagnosed with a high risk disease later in their life will have a better rate than someone diagnosed earlier in their life.

If you have a pre-existing condition, the key to getting life insurance or better premiums with high risk cases is control. Life insurance companies want to see that there is control over high risk problems and that the person is willing to make changes so they are not as high of a risk.

Another way of increasing your odds of obtaining life insurance or lowering your premiums, is contacting an insurance broker. Insurance brokers, especially those with experience or familiar with cases that are high risk will find the best possible policy that will fit your needs.

The Top Three Insurance Commercials

October 8th, 2014

In the last article of this series, we take a closer look at no other than State Farm and our favourite ads promoting their policies. Now it's time to reveal who stands on the podium and made it to our list of the top insurance commercials of all time in third, second, and first place.

3rd Place

3. 1st for Women – So Backwards

Number 3 on our list of the best insurance commercials comes from all the way across the globe. 1st For Women Insurance Company is a South African company that (as the name probably suggest) is dedicated to insuring women only. They have run various advertising campaigns since their founding in 2002, with many of them focused on selling car insurance with various benefits and other insurance products. But the best ones are those that explain the very foundation of their company policy — why they insure women only.

How far could men go to win a bet? The answer is all the way to Cape Town and a few extra metres downwards. The main goal of this campaign is to show the target audience (women) something they can relate with - that men are sometimes stupid. And it is as simple as you saw above because there is not a single woman on this planet that has never witnessed a similar situation: men boasting, flaunting, and showing off in front of other men in a desperate need to show who's more alpha.

2nd Place

2. John Lewis Home Insurance – Things Matter

This beautiful stop-frame animation insurance commercial was made by Adam & Eve/DDB for UK's John Lewis Partnership, the third largest private company in the UK that operates department stores, supermarkets, and other types of businesses. The music accompanying the commercial is a cover of Fleetwood Mac's Don't Stop sung by Nina Nesbitt.

As you've seen for yourself, the power of this commercial is in its marvellous artistic execution. The beauty of the classical stop motion, all swirling with soft pastel colours, is what makes it different from other cheap-looking ads and what immediately catches the eye. There is no need to say more. Just play it again and watch all the details.

John Lewis is also known for its touching Christmas commercials, most recently "The Bear & The Hare" — also a wonderful piece of classical non-CGI animation.

1st Place

1. Allstate Mayhem – Mashup of various commercials

The Allstate Corporation is one of the largest insurance houses in the U.S. and Canada. Their campaign called "Mr. Mayhem," made by the Chicago-based advertising agency Leo Burnett, started in mid-July 2010 and it won many awards. It is widely recognized, and as you'll see for yourself, hilarious. It was nearly impossible to choose the best from the plethora of their commercials from this campaign, so we decided to show you this 11 minute mashup of the best ads.

These are exactly the kind of commercials that you immediately have to share after watching and talk about them with your friends. It's just so much fun to watch that we have to admire the creative minds that came up with this entertaining concept. The theme can be used over and over for years and will never get boring. That's why we have listed Allstate's "Mr. Mayhem" as number one on our list.

The actor who plays Mr. Mayhem is Dean Winters. A keen observer might notice an ongoing joke through the course of the campaign — Mr. Mayhem looks more injured and his clothes are more torn and damaged because of the previous catastrophes he has gone through (or caused, to be precise).

Sports That May End Your Life Early

October 6th, 2014
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Photo By : Derek Lee CC BY 2.0

Some sporting activities can be really dangerous. Whether it is base-jumping, deep diving or heli-skiing, common sense tells us that we might face a possibility of ugly injuries and even death if something goes wrong. However, several recent studies show that even sports that seem relatively harmless might shorten your life considerably. Before all the couch potatoes out there start celebrating the news of being the winners in a healthy lifestyle-obsessed world, it is important to mention that the findings only apply to excessive intensive exercise. After all, as the old truth goes, more does not always equal better and sports and exercise seem to confirm this. Let's take a closer look at some of the types of exercise that can end up causing more harm than good to your body:


The emerging body of evidence shows the unsettling conclusion that too much running can damage your heart and lead to a series of cardio-vascular problems. In Heart magazine editorial, James O'Keefe and Carl J Lavie put it clear when they claimed that "running too fast, too far, and for too many years may speed one's progress towards the finish line of life." According to the presented research, while the group of people who regularly run had significantly lower death rate than those who lacked exercise, as soon as runners in the study exceeded the amount of 20 miles per week, the death rate numbers returned to non-runners' levels. Similarly, it is shown that people who run faster than eight miles per hour while jogging also lose the mortality advantage provided by regular exercise.

What exactly happens to the cardiovascular system? The Mayo clinic study suggests that extreme exercise causes changes in the heart and major arteries. Even though it may sound surprising, it seems than average marathon runners have more plaque in their coronary arteries than people who don't run at all. Scientists claim that stiff arteries and buildup in scar tissue of a heart are a result of a volume overload that is accompanied by a release of chemicals in our bodies. And just like with any pharmaceutical agents, there is a certain level when extreme exercise can become dangerous. For most of us, extreme endurance training causes metabolic changes, but our hearts quickly return to normal again. In case of elite athletes, abnormal heart rhythms and patchy scarring of a heart tissue can become a norm.

"I have heard about the study, but honestly, I don't think that recreational runners like me should worry," says Kasey, who runs more than an hour every day. When asked about the mortality rate, he just grins: "We all die sooner or later. Asking a runner about this is almost like expecting a smoker to quit because of the warnings on cigarette packages. Ain't gonna happen."

Long-distance cycling

Much of what was mentioned about running can also be applied to long-distance cycling. The strenuous trainings can lead to irreversible changes of your heart. One of the researches especially focusing on cyclists took place during 1999 Tyrolean Otztaler Radmarmarathon, one of the most difficult cycling races in the world. Athletes cycle about 230 kilometres, with overall altitude change of 5,500 metres. Scientists checked the levels of a heart enzyme troponin, which is considered to be a signal for possible heart-muscle problems and eventually even death. While before the race, all cyclists' troponin levels were at zero, after the race, the levels of the enzyme were increased in one third of the followed athletes. It was also shown that younger and faster cyclists, who are used to tougher trainings were the ones with the highest risk.

Triathlon/Iron man challenges

Greg Welch, Emma Carney, Chris Legh and Torbjorn Sindballe are just a few among top endurance athletes that were forced to end their careers due to serious cardiovascular condition and every now and then we hear a sad story of someone dying of a heart attack in the middle of the race. It is not hard to guess why such things happen. Combine all the information given above and you get an idea of the extent of possible hazards accompanying triathlons and Iron man challenges. The Mayo clinic study shows that "the fatality rate for triathlons is approximately twice that of marathons, largely because of increased CV events and drownings during the swim portion of the races." If the athletes are lucky, they find out that something is not right by themselves and seek medical help before it is too late. However, many haven't had chance to do so, since their heart just did not send any warning signs in advance.

John, a regular competitor at Iron man challenges, explains that the health awareness in the sport is changing: "These days, everyone knows about the possible risks and most of the athletes get checked regularly, even if they feel fine. Heart problems are a fact in this sport, whether we like it or not."

Single-sport specialization for kids

Single sport specialization for kids is a separate issue. Parents often want their children to succeed in different sports and decide to specialize in an early age and make sure they don't miss out on anything. You can often meet 4-year olds, who spend hours at trainings and achieve surprisingly high performance levels.

According to Lora Scott, a sports medicine specialist at Dayton Children's, evidence suggests that early specialization of children and practicing too many hours every week can not only cause burnout, but also "overuse injuries, over-training syndrome, and career-ending injuries". She also remarks that children are having more and more injuries that used to be tied to elite level athletes and often need to undergo major surgeries at young age. The biggest danger here is connected to development of the kids, as their bones are still growing and regeneration phase is thus much more complicated.

The fact that children's bodies are still developing also bears another problem – repeated movement can cause uneven growth of muscles and spine deformation. For example, kids who play tennis tend to use either their right or their left hand much more often than the other one, which often leads to scoliosis and subsequent back pains.

What to do?

While the studies might suggest that excessive workout is harmful for our bodies, they also confirm the obvious truth – it is much worse to do nothing and spend your days sitting behind a computer than to get some regular movement. Recreational runners and athletes are proved to live years longer than people who lack any exercise whatsoever, as regular sports activity protects your heart by lowering blood pressure and reducing arterial plaque.

So how to find the exercise amount line that should not be crossed? The answer is simple. Balance and not overdoing things. The research by the Mayo Clinic suggested that already beyond 60 minutes of intensive workout (be careful here, this does not include activities like playing tennis) might already be the point of diminishing returns. It is also important to get varied types of exercise. Play basketball, go jogging, do some indoor climbing – the choice is up to you, just keep it diverse and fun. That's the way sport is supposed to be.

Do you know about any other sports that seem to be able to cause serious harm in the long run? Share your thoughts with us in the comments section below.


The Dumbest Insurance Fraud Attempts Ever: #11

October 2nd, 2014

Insurance Fraudster Got Caught After Tweeting: "Catch Me if You Can"

Sharing what's on your mind, where you are or where you're going is a daily habit for millions of social media users. People use it to write something funny that can cheer up their friends, to tell their families that they have safely arrived or, in case of convicted criminals on the run, to cheer up the police by letting them know where to find them.

Wanda Lee Podgurski, a former Amtrak clerk who fled after being convicted of disability and insurance fraud in January 2013, surely had a sense of humour. However, Tweeting things such as, "Catch me if you can" after skipping bail shows that not everyone with sense of humour is smart. At the end, her Tweet cheered up mainly District Attorney Bonnie Dummanis after she was arrested in Mexico, just 15 miles from San Diego.

Wanda podgurskiTwitter

The 60 year old woman allegedly slipped and fell at her home in 2006 and claimed that her injuries were so severe that she needed an in-home caregiver. Her insurance policies required that she must be unable to do two or more activities of daily living such as dressing, toileting, transferring, feeding, bathing and mobility. She claimed that she was unable to perform several of these tasks and had doctors sign letters verifying her disability. The doctors believed her stories and relied on her self-reporting. Apparently, she refused to perform certain tasks during some exams.

Podgurski collected more than $664,555 from seven different insurance companies and a government agency in disability payments. She also collected another $261,000 for a false insurance claim involving allegedly stolen jewellery. It was not difficult for her to decide what to do with such amount of money – she travelled over the world. She took her boyfriend on a 16-day vacation in China in 2008, went to the Dominicam Republic, New York, Seattle, Boston, Fort Lauderdale and went on road trips to Key West, Eureka, the Berkshires and other destinations.

There was something suspicious about the lady who held insurance policies with six insurance companies. Before her alleged accident in 2006, she increased the coverage on several of those policies which made her premiums rise to more than $60,000 per year. That was around $16,000 more than her yearly salary at Amtrak. According to the policies, if something happened and she became disabled, she would no longer have to pay the premiums and could start collecting insurance payments of around $40,000 per month.

The insurance companies hired private investigators to check if her disability is real, but all they found was a lively lady with a fresh tan driving herself to the store and walking stairs without any assistance on numerous occasions. They also found out about her luxurious vacations and prosecutors even had a video of her on the Great Wall of China.

She was convicted and everyone was waiting for the sentencing. However, Podgurski never showed up. Instead, Podgurski decided to continue in her opulent lifestyle but in this case, on the run. The court sentenced her to 20 years in federal prison, in absentia, as well as ordered her to pay $1 million in fines and repayment to the insurers.

After she pulled off the insurance scam, Podgurski's self-confidence grew and she felt that she has to show the police how witty she is. She set up a Twitter account which followed only District Attorney Bonnie Dumanis and started to taunt the police. Her Twitter profile read "On the run possibly in Iran". Sounds like a title of a bad rap song. Nevertheless, she started to poke the police with a stick by Tweeting: "Help find me before I con anyone else". On June 29 she posted a link to NBC's news page informing about the search for herself and how she faced more than 30 years in jail for her insurance scam.

"Help find me before I con anyone else"

Well, this con-mastermind forgot that she lives in the 21st century and did not realize that she should at least extract geotag information from her Tweets. San Diego County District Attorney Dumanis did not say how authorities tracked Podgurski down he just noted that he gave the information to C.A.T.C.H. (Computer and Technology Crime High-Tech Response Team). Her account followed 32 people and agencies, many of them FBI branches and other law enforcement authorities. Ironically the Tweet: "Catch me if you can", was her last one before she was tracked down and took into custody. Well, District Attorney Bonnie Dummanis finally retweeted: "Caught her. Great work by Fugitive Task Force and U.S. Marshals."

This eccentric lady was caught at a luxury retirement spot for American expatriates in Mexico, just 15 miles from San Diego. It seems that the Twitter-holic did not loose her good mood as she continued to send Tweets even from jail.

"But for justice sake, I'm glad you caught me."

"But for justice sake, I'm glad you caught me."

Her enthusiasm probably won't last long, and her next Tweet: "How dumb am I? Who would go to Mexico. So close yet not far at all", suggested that she started to realize that her next vacation would be a bit longer as her usual vacations. Bolting and becoming a fugitive added two more years to her 20-year sentence.

She continued with her sassy Tweets one morning, "Hmmmm what to eat in jail this morning? Do you have organic coffee?"

Now she has plenty of time to Tweet and share her prison experience with the rest of the world. She does not even have to remove geotag information, as her location won't be secret for quite a lot of upcoming years.


| one comment

Top 7 Fitness Centres in Toronto

September 29th, 2014
Image by Shutterstock

Summer has come to its unavoidable end and the weather will be slowly getting colder and colder. As much as people enjoy exercising outside year round, we live in Toronto, and although most of us enjoy winter sports, morning workouts in the park in -10°C are not very comfortable. That's of course only one reason to go to the gym.

(Top 7 Fitness Centres in Toronto continued...)

3173 Bathurst Street, Toronto, ON M6A 2B1
Head Office: 2900 John Street Suite #302 Markham, L3R 5G3
Office 1-866-899-4849, 905.248.4849 Fax 905.300.4848

© LSM Insurance Services Ltd. 1998-2014 | All Materials