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Are Life Insurance Commissions on Their Way Out?

The average commission generated by a life insurance policy varies depending on the type of life insurance in question. For example, the average commission on term insurance is 30 to 70%, while it is 90 to 105% on whole life insurance products. Of course, what we're talking about here are the first year commissions, commissions for subsequent years drop much lower to an average of 4% a year for term insurance and 6% annually for whole life insurance. Life insurance commissions are ...
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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 people with insurance needs, and there's no one better to serve those in need of life insurance than LSM Insurance's Tamara Humphries.Humphries is also our Non-Medical Insurance Specialist. Many brokers shy away from hard to insure ...
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Real Life Insurance Stories: Carolyn Davis-Jardine and Her Husband, Dan

Carolyn Davis-Jardine would have never bought life insurance on her own. 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 income support cheques of the Ontario Disability Support Program. It took her second husband, Dan Jardine, to insist that the two get life insurance and he help to pay the premiums before she ever considered it. Then, in August 2010, four short years after purchasing two $25,000 ...
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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 back. Obviously, Lisa thought it was also definitely time to look for a more reasonable plan that wasn't about to expire. She also began to research the cost of funerals so she could purchase exactly the amount she needed to give her mother a proper send-off, but little did ...
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