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 night? Money and ou...

For a client who wants to preserve and transfer his or her wealth to two successive generations, a tax efficient option may be a permanent life insurance pol...

Every advisor has had an experience with a reluctant client. You’ve done a thorough job of understanding their needs, completed a full financial needs analys...

Sometimes the biggest challenge is explaining why a certain insurance product is essential at a given life-stage. Often, it’s difficult to assess just how im...

Tired of declined cases? Here are some of the top reasons for why insurers do not approve those cases: Overweight Income Alcoholism Elevated Cholesterol Elev...

When Darryl Loftus retires this spring from his job at a regional trucking company, he will have an enormous decision to make. Should he opt for the single l...

Recently, we’ve had a few interesting days in the markets, with wild swings in major indices. Should it be any surprise to us that markets go up and down? We...

As of January 1st, 2018 the OHIP+ program will begin to provide children and youth aged 24 and under with coverage for more than 4400 drug and drug products ...

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 insurance over any other fo...

When 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 all our clients. Bu...

According to recent statistics in 2016, over 60,000 Canadians left the country for medical treatment! Did you know that almost 1 in 2 Canadians are expected ...

Do you have strong relationships with business owners, professionals or executives? Help make those relationships even stronger by offering a solution that w...

As a financial advisor, it's our job to alleviate any financial concerns our client's may have. I believe we are at the stage where an advisor should start p...

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 Planning client may be ...

How would you like to be able to have a foot in the door to break into a new and lucrative marketplace? Wouldn’t it be great if that new marketplace offered ...

During my down time when I am looking for ways to grow my business, I am also thinking of ways to work in my business. I have loyal clients, who when they fi...

Every advisor is aware of Long Term Care coverage and can see the value, so why do we not sell more of it? When talking to clients about the possibility of b...

Tired of declined cases? Some of the top reasons why insurers do not approve cases are listed below: Overweight Income Alcoholism Elevated Cholesterol Elevat...

September is juvenile strategies month, and in keeping with that theme we are going to review a great policy that evolves to provide more than just a critica...

I recently worked on an interesting case with a QFS advisor. The husband purchased a policy on his wife, but he wanted to maintain ownership of it. The husba...