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Heard about Manulife's Vitality program and seeking the fine details? Everything you need to know is here. Manulife Vitality is an option that you can add to a new Term 20 or Term 65 life insurance policy. This option offers you two additional benefits; a potential discount in premiums and a rewards program. The option [...]

I've recently been on the blunt end of two instances of life insurance companies acting in a method that's contrary to consumer's best interests. While that's bad enough, as best I can determine, there's no recourse for consumers or their advisors who are attempting to stop these behaviours. Effectively the life companies are able to [...]

Using life insurance as an asset class offers you two benefits. First, insurance policies have some tax-sheltering advantages (important with larger investment portfolios) and secondly you can diversify both by participating in the general returns of some insurance company portfolios, as well as taking advantage of insurance pricing considerations. Looking for a second opinion on [...]

The Insured Retirement Plan is a retirement tax strategy that uses life insurance in 3 distinct tax-advantaged ways. Looking for a second opinion on the Insured Retirement Plan? Call now, 1-877-344-4011. We will automatically quote policies with minimized commissions. We will survey the market for the best policy, without regard to company. Call now for [...]

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 [...]

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