Blog
CBC in Dential…mortgage insurance
- September 5, 2011
- Posted by: Brian Poncelet
- Category: Approved, Life Insurance, World News Insurance
No CommentsThe ShowMortgage insurance: Not always a sure thing If you have a mortgage on your home, chances are good you also have mortgage insurance. The idea is that if you should become seriously ill or die before paying off the mortgage, the coverage will kick in and pay it off for you. It’s meant to
Finding lost insurance policies…What everyone needs to do.
- August 9, 2011
- Posted by: Brian Poncelet
- Category: Approved, Life Insurance, World News Insurance
Over the years I have talked to people who thought they had a $500,000 insurance coverage only to find out…after me telling them to find their policy they only have $50,000!! Or how about a disability policy that was bought cheap which only covers injury? Or a term policy that lasped years ago? We have
Why RBC’s No Medical Insurance is so expensive
- July 30, 2011
- Posted by: Brian Poncelet
- Category: Approved, Life Insurance
Have you ever thought if no one asks any questions and offers a “great deal” it may not be such a a deal. Here is how many No Medical insurance programs works. Limited coverage…try to get $100,000 or $1,000,000 (no way!) It is expensive! It may not pay out in the first two years Their
TD life insurance…more expensive…limited choices!
- May 10, 2011
- Posted by: Brian Poncelet
- Category: Approved, Life Insurance, World News Insurance
Currently TD is offering only term 10 life insurance which is more expensive than what can be bought elsewhere. Example is a 48 year old male non-smoker TD’s rate is $73/month others as low as $65/month. Can you convert their term polices into permanent? No! There is talk that this may happen later this year.
How Vote Compass tells you what federal party you are closest too, but did not know it! How our software shows why term life insurance is the most expensive and you thought it was the cheapest!
- April 2, 2011
- Posted by: Brian Poncelet
- Category: Approved, Federal Politics, Life Insurance, World News Insurance
Wow! Long title! If you go to http://federal.votecompass.ca/ you may find the party you thought you liked is the party that really does reflect your values! Term life insurance is like that too. Buy the cheapest and save! Right, no wrong and here is why. We all need coverage if you have a family…rather want
How lack of advice hurts…and waiting times to get medical help in Northern Ontario seem to be getting worse over time.
- February 21, 2011
- Posted by: Brian Poncelet
- Category: Approved, Life Insurance
We had a call from a mother who has a daughter (age 21). To get an evaluation she was told it would take 10 months or more to see a physiatrist to see see if her daughter has Obsessive Compulsive Disorder (they feel she may have had since 8!) There is only two banks in
What is Human Life Value?
- February 5, 2011
- Posted by: Brian Poncelet
- Category: Approved, Life Insurance
Human Life Value concept was founded by Dr. Solomon S. Huebner, the founder of ‘The American College of Life Underwriters’, in the 1920’s. HLV concept is used by various professionals like Underwriters, Courts, etc. for determining the economic value for a Human Life. For the victims of the ‘Terrorist attack of September 11, 2001’
How to increase your retirement by 20% with less risk and less taxes
- January 30, 2011
- Posted by: Brian Poncelet
- Category: Approved
Ok, this is a big statement, to get started we have to understand some eroding factors which take our money every day. Who takes our money? Financial institutions Government Corporations Financial Institutions They build financial products, intended to protect, store, or grow your money. These institutions are profit making businesses. Corporations Make consumer products you
Why Canadian Tire Costs More…for life insurance.
- May 25, 2010
- Posted by: Brian Poncelet
- Category: Approved
When you buy life insurance through Canadian Tire you lose in many ways. One: you pay too much! As an example, a 50 year old male non-smoker, with $250,000 coverage pays $92/month…and this goes up every 5 years!! With other companies like Equitable you can get more coverage – e.g. $300,000 level premium for 10
How to save money and protect your family when buying term insurance
- March 15, 2010
- Posted by: Brian Poncelet
- Category: Approved
Many insurance “experts” will tell you to save money buy term ten. This is true at the start but will cost more over the long run. First off 10 years flies by! If you are lucky enough to get a preferred rating and need and want coverage after 10 years you have to prove your