The Wall Street Journal: Nothing Morbid About Child Life Policy

Child life policy.
Credit: Eric McGregor

For most people, a life insurance policy is a way to protect assets or maintain a lifestyle for dependents when the main breadwinner passes away. This makes such policies for children seem unnecessary and even morbid.

But insurance broker Lorne Marr argues juvenile policies can be a financial "gift" for parents to bestow upon their children, ensuring lifelong coverage at a relatively low price. A Term 20 policy begun when a child is two, for example, will be fully paid by the time the child leaves university, can be upgraded at specific milestones, and means the child is covered even if he or she later develops a serious medical condition.

LSM Insurance Helps Cricketers raise funds for Haiti victims

Nearly 200 players including under-19 and women cricket players attended the opening ceremony of a three-week cricket tournament in Toronto will be played to help raise awareness and funds for the disaster relief effort in Haiti.

(LSM Insurance Helps Cricketers raise funds for Haiti victims continued...)

How LSM Brokers and Clients Both Win

"Our team is happy
to advocate on your behalf."
--Lorne S. Marr

Our brokers operate under the philosophy the clients want to buy but don't want to be sold. Our brokers and clients both win because our team follows the principals below:

1. Under promise and over deliver. By following this mantra, clients never feel cheated. Our brokers know they can deliver on their word.

2. Independent analysis. Our brokers are not skewed in their advice and are not limited by company quotas. They work with over 13 different carriers, which insures that our clients get the best possible value.

LSM Partners with Travel Underwriters to Provide Online Travel Insurance Solutions

December 1, 2009 -- Lorne S. Marr Insurance Services Ltd. is proud to announce we will be adding travel insurance to our ever expanding repertoire of online insurance services. 

LSM has partnered with Travel Underwriters, a company with more than 40 years experience in the travel insurance field, to go beyond providing quotes for our customers and, for the first time ever, hand them the ability to provide travel insurance for themselves and their families right from the comfort of their own livingrooms.

Moneysense.ca: Life Insurance - Swine flu surprise

We first warned our readers about how catching the Swine Flu could put at risk your life insurance plans in July this year.

November 2009
Moneysense

Alas we were right and the Canadian personal finance magazine Moneysense has just run an article on the issue of Swine Flu and life insurance, quoting me.

It's nice to see things early, but it's not so nice for those who catch the Swine Flu and are unable to obtain life insurance for a year, with small children at home.

If you are thinking of getting life insurance and have not yet had the swine flu, move fast. Once you have the flu, it's too late as anything less than full disclosure puts your policy at grave risk.

With or without life insurance, the best way to deal with Swine Flu is not to get sick with it in the first place. We just published our tips on how to minimize your risk of coming down with Swine Flu.

Be healthy, be safe.