Disability Insurance:

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Dr-Chambul-Power-Disability-Insurance

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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Samuel-Waxman-Disability-Insurance

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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Disability-Insurance-Truckers-LM-IA

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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IA-Jackie-Nemethy

Why Is Disability Insurance So Important?

LSM Insurance reached on to Jaclyn Nemethy - Regional Sales Director at IA Excellence to get her insights. Jaclyn is known for her thorough knowledge and providing her advisors with exceptional support and training on all the living benefits solutions IA Excellence can offer. She sits on the Advocis Toronto Chapter Board as a Director. She recently attained her CHS designation and is now working towards her CLU designation. Do you feel as if Canada's disability insurance market is ...
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Comparing-Canadas-Top-Disability-Insurance

Comparing Canada’s Top Disability Insurance Plans

We reached out to Tim Landry to provide us LSM Insurance with an in-depth analysis of Canada’s top disability insurance plans. Tim is been offering disability insurance solutions to Canadians for over 45 years and has a real passion for this market. Canada Life Plan Names: Lifestyle Protection Independence Market: Professional, White & Blue Collar Pros: "Build your own plan" product, fit product to budget, excellent policy wording; sickness coverage. Cons: ...
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Disability Insurance Facts

10 Facts You Need To Know About Disability Coverage

Imagine not being able to work and earn a living for your family. It's not something most people want to think about on a daily basis. Protecting your livelihood with adequate disability insurance can mean the difference between maintaining your standard of life or being forced to make drastic cuts in household spending after being hit with a life-changing injury or illness. Your ability to earn a income is your single greatest insurable need. Being prepared for the worst and having ...
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Andrew McKeown | Insurance Consultant, Great-West Life

Andrew McKeown Insurance Consultant,Great-West Life 1. What type of disability insurance do you own? I own a Non-Cancellable Great-West Life Professional Disability Plan. 2. What factors did you consider when determining the coverage amount? I didn’t want to buy a crap plan that I was sure wouldn’t pay. Insurance is expensive enough, why would you cut costs on something as important as disability insurance. It’s like buying a sausage from the cheapest vendor, you’re just ...
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Mike Castagna | Consultant, J.W. Larmond Life Insurance and Benefits

Mike Castagna Consultant,J.W. Larmond Life Insurance and Benefits 1. What type of disability insurance do you own? I own a professional series disability policy that is non-cancellable, payable to age 65, with a 90 day wait period. I also made sure to add the future income option and cost of living adjusted benefit riders to my policy as I am young and wanted to guarantee my future insurability if I have a change in health. 2. What factors did you consider when determining the ...
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Disability Insurance Definition Demystified thumbnail

INFOGRAPHIC: Disability Insurance Demystified

As explained in our infographic below, there are some important definitions and points in a disability insurance policy that would confuse an applicant because of the fine print involved, or in a worse-case scenerio, prevent them from paying you a cent because you didn't understand the insurance contract.
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6 Insurance Policies Self-Employed Professionals Should Consider

Being self-employed has its perks. You have a flexible schedule, control your own income potential and make decisions based on your own self-interests. But, when it comes to being insured, that’s where being self-employed can be a little tricky. Working for an employer usually allows you to be a part of a group insurance plan that covers you and your family for a variety of insurance products. If you decide to take the self-employed route, you will usually be cut off from these group ...
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