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The Power of Disability Insurance

I deal with a plethora of policies in the field, however, I am most often reminded about the power and importance of disability insurance. The most frequent reminder of this message comes from a good friend of mine and one of the best chiropractors I know, Dr. Borys Chambul. Dr. Chambul is a former Olympic athlete, champion disc thrower, and a Canadian record holder. From his experience as an athlete to his career in the medical field, he has extensive knowledge on pain and the potential ...
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What The Financial Experts Own – Samuel Waxman

What type of disability insurance do you own? I own a Professional Series contract that has a 90 day wait period, benefit period to age 65 and as much Future Insurability as I am eligible for. I also make sure to utilize my future insurability options every year I am financially eligible to do so. What ...
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SSQ Financial Group Term Plus Policy

I had the opportunity to recently sit down with Barry Rubin, Director of Business Development at SSQ Financial Group to answer some questions and give us a breakdown of SSQ’s unique Term Insurance offerings. Here is what he had to share with us: What are some some of the features of SSQ Term Plus program Terms are available from 10 to 35 years and are renewable on a 5 year basis rather than the length of the original term. There is an Insurability Benefit feature built in ...
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Are Preferred Life Insurance Rates On Their Way Out?

A notification was recently sent out by Manulife regarding changes to their Healthstyles® program "Consistent with our expanded accelerated underwriting limits, for new coverage issued with a coverage date of November 6, 2018 or later, only Healthstyles 3 and 5 will be available for Family Term, Family Term with Vitality and Business Term for ages 18 to 50 and for amounts up to and including $1,000,000. Note ...
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We’ve Got The Answers: How Can Gratitude Impact Your Life And Business?

grat·i·tude ˈɡradəˌt(y)o͞od/ noun noun: gratitude the quality of being thankful; readiness to show appreciation for and to return kindness. "she expressed her gratitude to the committee for their support" There are many important qualities that impact the way we perceive the world, how we do business, how we interact with others, and coincide with our overall happiness. One of those qualities is ...
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We’ve Got The Answers: Can I Qualify for Life Insurance if my Occupation is Dangerous?

When it comes to getting a life insurance policy, many individuals consider their health as the main or only factor that would affect their ability to qualify and their rates. However, there are various factors that go into determining this. One of the factors that a plethora of people forget about is occupation. While a majority of jobs are not considered dangerous, there are those who put their life on the line ...
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We’ve Got The Answers: How Can Exercise Save Me Money On My Policy?

"It all starts with exercise." Fitness is an integral part of living a healthy, balanced lifestyle. Whether you exercise hours on end a day or partake in a nice, daily stroll, you are doing your physical part to ensure your body is taken care of. A lot of you who know me personally know that I started a fitness blog, FitAfter45, a little while ago. My blog is aimed at helping others find passion in their journey and ...
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We’ve Got The Answers: How Does The Legalization of Marijuana Impact Life Insurance?

Earlier this summer, Prime Minister Justin Trudeau announced that Canadians will legally be allowed to consume marijuana starting on October 17th, 2018. Those consuming marijuana recreationally will not face criminal penalties (provided they are following reasonable precautions, i.e., not consuming whilst operating a motor vehicle). Many individuals have been very vocal about their stance on the legalization of ...
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We’ve Got The Answers: What Are Some Disability Insurance Solutions for Truckers?

Jaclyn Nemethy, Regional Sales Director at IA Excellence, joined me to discuss yet another hot-button topic. We previously talked about disability insurance and what makes IA Excellence unique. Another topic that quite a few truckers ask me about is disability insurance for truckers. We get a lot of truckers, as well, asking about disability solutions and I know IA Excellence does a great job at targeting that middle ...
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Five Technologies That Are Transforming Insurance Brokerages

Technological innovations are making breakthroughs in a number of industries, and it’s no different for the insurance space. From evolving the ways brokers and brokerages serve customers to reducing the costs of operations and sales, such as through automation, or reinventing business models (i.e. direct online insurance), few other factors affect the insurance industry to the same extent as technology. In fact, insurance companies and brokers are constantly trying to evolve to meet the ...
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