TD life insurance…more expensive…limited choices!
- May 10, 2011
- Posted by: Brian Poncelet
- Category: Approved, Life Insurance, World News Insurance
No CommentsCurrently 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
Primerica charges much higher rates for women for less coverage!
- January 28, 2010
- Posted by: Brian Poncelet
- Category: Approved
I don’t normally beat up on insurance companies but I will let the facts speak for themselves. Primerica’s history from their web site: “Primerica’s roots date back to 1977 when the company embarked on a revolutionary crusade to transform the life insurance industry. Primerica’s “Buy Term and Invest the Difference” philosophy encourages middle-income families to
I got back over 17k from CRA and continue to save thousands of dollars every year which really helps my family. Maybe you can too!
- September 29, 2009
- Posted by: Brian Poncelet
- Category: Approved
Every year accountants, tax preparers and Canadians who do their own personal taxes miss out on millions of dollars of tax refunds and credits. How can you prevent this from happening to you? My personal story may help your family. I have two boys that were born in 1999. They were born prematurely so my
How Often Do Your Hear Yourself Saying: “No, I Haven’t Taken Care of That; I’ve Been Meaning To?”
- September 10, 2009
- Posted by: Brian Poncelet
- Category: Approved
Here’s an excerpt from Ann Landers that I considered very relevant! DEAR ANN LANDERS: Last year at this time I was a secure, happy wife and mother. Today, I sit here wondering if I can get together the money to pay my utility bills before they shut off the electricity and gas. The grocer has