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Legalization of Marijuana and Group Insurance | Expert View

The “bright, new, shiny object” these days is here and is here to stay. Medical marijuana/cannabis being offered by Group Insurance providers brings with it a host of concerns and unknowns. In my travels across Ontario this year so far it has been the most discussed topic. Here is a high-level (no pun intended … ha!) view of some basic knowledge and points to ponder when thinking about marijuana and group insurance: How has the legalization of marijuana impacted Canada’s group ...
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The Pros and Cons of Equitable Life Group Insurance

Since 1920, Equitable Life has been located in Waterloo Ontario with regional service teams across Canada providing personalized service and support. I personally started dealing with their group department in 1998. In those days they were always the best fit for the Trucking Industry and I would always have them on my short list to gather pricing and solutions for my clients. These days they service many industries and can certainly compete against the best in the business from plan ...
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Jason-Julian-Group-Health-Insurance

Group Health Insurance Conversion Options – What To Look Out For

These are individual health plans put forth when you leave an Employer Group Benefits plan. There are a few solid options for those who: • are in the process of retiring • have been laid off • are over-age dependents (persons over the age of 21 who are not currently enrolled in school) that are no longer eligible under parents plan • have terminated employment and existing medical issues • move from full-time to part-time and therefore may not be eligible for ...
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Jason-Julian-Group-Health-Insurance

The Ins and Outs of Group Health Insurance

Jason Julian Bio I have been in the Financial Services industry for 27 years. I started in the banking sector in 1991 for Canada Trust in Hamilton later to begin an Insurance career as an agent with Prudential of America in 1995. The majority of my selling career was spent in Hamilton Ontario at one of Canada’s leading brokerages, Dan Lawrie Insurance Brokers Ltd. where I spent 11 years building my practice. I grew a client base to over 2500 as well as partnered to service 150 employer ...
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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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mortgage

Mortgage Insurance: 6 Must-Know Facts Before You Buy It

Insurance experts find some products more useful than others. For example: term life insurance, disability insurance, and critical illness insurance can change your life if you need the policy to pay out. However, mortgage insurance, accidental death insurance, and some other products fall into a category of "less useful products." This is because a carefully constructed life insurance plan can eliminate the need for some policies. For example, let’s take a look at mortgage ...
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money

Top Employee Benefit Companies in Canada

Once a year Benefits Canada releases a report on employee benefits coverage in Canada. These figures represent the top Canadian benefits providers. Changing demographics, expensive prescription drugs and an increase in chronic diseases at various states have put a strain on group benefits paid for by the employer. Financially strapped companies must focus on remaining competitive in their field and lowering operating costs, while still retaining a competent workforce. To be a top ...
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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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