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I continue to read online articles that claim life insurance brokers sell certain products because their commission is higher on certain products. These articles then always follow up with suggesting consumers need to delve into the fine details of how brokers are paid. Doing so apparently protects your best interests. I disagree entirely. If I [...]

Here's my top 5 list of things that I believe regulators need to change in the life insurance insurance industry. 1) Remove the fraud exclusion from life insurance policies. Right now Canadian life insurance policies state that life insurance claims can be denied in the first two years of the policy based on failure to [...]

You can compare super visa health insurance quotes using the calculator at the top of this page. There are a few things you'll need to keep in mind as you run the quotes though. 1) Deductibles vary from $0 to $5000. $0 deductibles provide 100% coverage for all eligible claims. A $5000 deductible plan will [...]

I believe fee based financial planning has it's place. In some instances, it's entirely suitable for Canadian consumers. I know a number of fee based financial planners, and they're outstanding individuals - sharp, knowledgeable, and consumer-centric. BUT. The consensus seems to be that fee based financial planners are automatically better than investment advisors who are [...]

Much to the glee of fee-only planners and consumer advocates, the investment industry is being forced to start disclosing how much they're making and how they're charging consumers (see Roseman's article in the Star. The idea is that disclosing these fees is going to start a trickle down effect that results in consumers getting more [...]

Fee Based Financial Planners

I find the idea of fee based financial planners interesting.  Fee based planners charge a flat fee for investment advice, rather than commissions on the size of the investment portfolio.  Ideally, this makes them less biased.  Today's article is a guest post from a fee based planner who's writing's I've enjoyed in the past. Financial [...]

I'd like this post to serve as a warning to anyone purchasing life insurance online, directly from the banks.  I've had a bit of experience with them while inquiring about claims, and have found the experience most unpleasant. I occasionally do policy searches for clients, where I call over 100 life insurance companies.  In doing [...]

Great news! Canada has a new life insurance company - Order of United Commercial Travellers, or UCT. UCT is a fraternal organization. This is a peculiar life insurance company structure meaning that it's not owned by public or private shareholders. Instead, it's members own the company. However unlike a mutual company (who's policyowners also own [...]

Errors in Underwriting

What happens when life insurance applications go bad? Through the years I've seen and been told about numerous errors in underwriting. Not specifically errors on behalf of the underwriter, just things that have happened or mistakes that have been made that can lead to some very interesting results. Given the complexity of the information and [...]

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