Scott A. MorrowOct 15, 20202 minWake Me Up When September EndsI recently learned of the inspiration for Green Day’s song Wake Me Up When September Ends. Green Day lead singer Billie Joe Armstrong...
Scott A. MorrowOct 8, 20203 minProfile for an IFAHave you ever run with an idea only to find out you never really understood all the details? Is the Immediate Finance Arrangement (IFA)...
Scott A. MorrowOct 1, 20203 minPar vs UL and the Crossover PointOver the last 10 years of my career, I’ve been pegged as a PAR guy. As a result, most would assume that PAR would be my go-to solution...
Scott A. MorrowSep 3, 20202 min4 Places Money Can GoWhen meeting with our advisors and their clients, the word ‘cash flow’ has come up quite a few times since the beginning of the pandemic.
Scott A. MorrowAug 13, 20203 minMust Be Some Kind of Mistake!I first met Dr. Marius Barnard in the fall of 1998. I was a young Sales manager with Canada Life in Niagara and I saw him speak at...
Scott A. MorrowJul 30, 20203 minMoney at a DiscountThere was a time when a healthy couple in their 60’s could buy a level cost of insurance (COI) UL policy for pennies on the dollar!
Scott A. MorrowMay 28, 20203 minIs the large case dead?For advisors who focus on large case insurance opportunities, and for others who have come across a few in their career, you know these...
Jesse Cott (QFS)Jun 19, 20181 minBest Doctors GMC + Critical Illness = World Class Coverage!As a follow up to the Best Doctors seminar we had this week, I invite you to answer the following. What are the things that keep us up at...
Jesse Cott (QFS)Jun 12, 20181 minCascading InsuranceFor a client who wants to preserve and transfer his or her wealth to two successive generations, a tax efficient option may be a...
Jesse Cott (QFS)May 29, 20184 minDealing with Reluctant ClientsEvery advisor has had an experience with a reluctant client. You’ve done a thorough job of understanding their needs, completed a full...
Jesse Cott (QFS)Feb 27, 20181 minConceptualizing the Insurance Need for Every StageSometimes the biggest challenge is explaining why a certain insurance product is essential at a given life-stage. Often, it’s difficult...
Jesse Cott (QFS)Feb 20, 20182 minGot Declines? Can’t Get Approved? Let's Change That!Tired of declined cases? Here are some of the top reasons for why insurers do not approve those cases: Overweight Income Alcoholism...
Jesse Cott (QFS)Feb 13, 20182 minPension Maximization Using Universal LifeWhen Darryl Loftus retires this spring from his job at a regional trucking company, he will have an enormous decision to make. Should he...
Jesse Cott (QFS)Feb 8, 20181 minMarket Volatility, ativa.com, and Empire Life's Death Benefit GuaranteeRecently, we’ve had a few interesting days in the markets, with wild swings in major indices. Should it be any surprise to us that...
Jesse Cott (QFS)Dec 19, 20171 minSales Opportunities with the 2018 OHIP+ ChangesAs of January 1st, 2018 the OHIP+ program will begin to provide children and youth aged 24 and under with coverage for more than 4400...
Jesse Cott (QFS)Dec 5, 20171 minTerm or Permanent with Term Rider?Clients between the ages of 25-45 are cost conscious and in need of their cash flow. This is the main reason why they choose term...
Jesse Cott (QFS)Nov 28, 20171 minT100 CI Retirement Income SupplementWhen selling CI, one of the main benefits is the Return of Premium option. “If you never use it, you get your money back” is what we tell...
Jesse Cott (QFS)Nov 21, 20172 minBest Doctors' Global Medical CareAccording to recent statistics in 2016, over 60,000 Canadians left the country for medical treatment! Did you know that almost 1 in 2...
Jesse Cott (QFS)Nov 14, 20171 minTaking Care of Business, With TermDo you have strong relationships with business owners, professionals or executives? Help make those relationships even stronger by...
Jesse Cott (QFS)Oct 31, 20171 minDo you propose Universal Life to your clients?Do you propose quick pay or Limited Pay UL to your clients? Are you aware that running a QUICK PAY YRT 85/20 UL for your next Estate...