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Wake Me Up When September Ends
Scott A. Morrow
  • Oct 15, 2020
  • 2 min

Wake Me Up When September Ends

I recently learned of the inspiration for Green Day’s song Wake Me Up When September Ends. Green Day lead singer Billie Joe Armstrong...
Profile for an IFA
Scott A. Morrow
  • Oct 8, 2020
  • 3 min

Profile for an IFA

Have you ever run with an idea only to find out you never really understood all the details? Is the Immediate Finance Arrangement (IFA)...
Par vs UL and the Crossover Point
Scott A. Morrow
  • Oct 1, 2020
  • 3 min

Par vs UL and the Crossover Point

Over 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...
4 Places Money Can Go
Scott A. Morrow
  • Sep 3, 2020
  • 2 min

4 Places Money Can Go

When meeting with our advisors and their clients, the word ‘cash flow’ has come up quite a few times since the beginning of the pandemic.
Must Be Some Kind of Mistake!
Scott A. Morrow
  • Aug 13, 2020
  • 3 min

Must 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...
Money at a Discount
Scott A. Morrow
  • Jul 30, 2020
  • 3 min

Money at a Discount

There 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!
Is the large case dead?
Scott A. Morrow
  • May 28, 2020
  • 3 min

Is 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...
Best Doctors GMC + Critical Illness = World Class Coverage!
Jesse Cott (QFS)
  • Jun 19, 2018
  • 1 min

Best 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...
Cascading Insurance
Jesse Cott (QFS)
  • Jun 12, 2018
  • 1 min

Cascading Insurance

For a client who wants to preserve and transfer his or her wealth to two successive generations, a tax efficient option may be a...
Dealing with Reluctant Clients
Jesse Cott (QFS)
  • May 29, 2018
  • 4 min

Dealing with Reluctant Clients

Every advisor has had an experience with a reluctant client. You’ve done a thorough job of understanding their needs, completed a full...
Conceptualizing the Insurance Need for Every Stage
Jesse Cott (QFS)
  • Feb 27, 2018
  • 1 min

Conceptualizing the Insurance Need for Every Stage

Sometimes the biggest challenge is explaining why a certain insurance product is essential at a given life-stage. Often, it’s difficult...
Got Declines? Can’t Get Approved? Let's Change That!
Jesse Cott (QFS)
  • Feb 20, 2018
  • 2 min

Got 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...
Pension Maximization Using Universal Life
Jesse Cott (QFS)
  • Feb 13, 2018
  • 2 min

Pension Maximization Using Universal Life

When Darryl Loftus retires this spring from his job at a regional trucking company, he will have an enormous decision to make. Should he...
Market Volatility, ativa.com, and Empire Life's Death Benefit Guarantee
Jesse Cott (QFS)
  • Feb 8, 2018
  • 1 min

Market Volatility, ativa.com, and Empire Life's Death Benefit Guarantee

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...
Sales Opportunities with the 2018 OHIP+ Changes
Jesse Cott (QFS)
  • Dec 19, 2017
  • 1 min

Sales Opportunities with the 2018 OHIP+ Changes

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...
Term or Permanent with Term Rider?
Jesse Cott (QFS)
  • Dec 5, 2017
  • 1 min

Term 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...
T100 CI Retirement Income Supplement
Jesse Cott (QFS)
  • Nov 28, 2017
  • 1 min

T100 CI Retirement Income Supplement

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...
Best Doctors' Global Medical Care
Jesse Cott (QFS)
  • Nov 21, 2017
  • 2 min

Best Doctors' Global Medical Care

According to recent statistics in 2016, over 60,000 Canadians left the country for medical treatment! Did you know that almost 1 in 2...
Taking Care of Business, With Term
Jesse Cott (QFS)
  • Nov 14, 2017
  • 1 min

Taking Care of Business, With Term

Do you have strong relationships with business owners, professionals or executives? Help make those relationships even stronger by...
Do you propose Universal Life to your clients?
Jesse Cott (QFS)
  • Oct 31, 2017
  • 1 min

Do 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...
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