The Vaping Debate Continues

Electronic cigarettes (e-cigarettes) have caused quite the stir for the couple of decades that they have been in existence. In fact, there has been no end to debate on whether they are a healthy and risk-free alternative to smoking tobacco versus whether they are detrimental to health and will eventually lead to the cancer and heart disease that we typically associate with long-term smoking. Continue reading “The Vaping Debate Continues”

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The Vaping Risk: Clearing the Air



Drop and Give Me 40: The Power of Pushups

Cardiovascular disease (CVD) is the leading cause of death worldwide and remains a major focus in underwriting life insurance and living benefits. Determining the long-term risks of developing CVD has captured the interest of researchers, underwriters and actuaries alike. Continue reading “Drop and Give Me 40: The Power of Pushups”

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Drop and Give Me 40: The Power of Pushups


DUIs: New Laws for a New Era

The introduction of legalized cannabis in October 2018 was accompanied by a great deal of publicity, debate and no shortage of controversy. Less publicized but equally as important, were the changes made to the impaired driving laws in December 2018, addressing the use of both alcohol and cannabis when behind the wheel of a vehicle. Continue reading “DUIs: New Laws for a New Era”

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Driving High and how it can Impact Your Future






But My Doctor Says I’m Fine

Sometimes, medical tests done for underwriting purposes point to a potential health or mortality concern, even when the client has received a clean bill of health from their attending physician. This can result in the client being offered a ‘rated’ life insurance policy or being categorically declined coverage altogether even though the client reports, “But my doctor says I’m fine!” Continue reading “But My Doctor Says I’m Fine”