Protecting Your Clients’ Retirement with Critical Illness Insurance

How many of your clients are dutifully saving for retirement? It’s probably safe to wager that the vast majority of your clients have some semblance of retirement savings in place.

Now, how many of those same clients have implemented the added step of protecting their investments in case of a severe illness?

While many retirement conversations revolve around RRSPs and their goal of helping clients maximize their returns, another important conversation involves critical illness insurance and the way in which it can benefit your clients by adding another layer of protection.

If a client suffers a critical illness and needs to take time off of work, or if they need to pay for additional treatment, that income replacement or funding needs to come from somewhere. Without insurance, clients will first dip into their savings… but there are better solutions including using critical illness insurance as retirement protection. Continue reading “Protecting Your Clients’ Retirement with Critical Illness Insurance”

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Protecting Your Retirement with Critical Illness Insurance


Social Media Platforms – Social Media For Your Business – An 8 Step Plan

As an Advisor, your business is important to you, and you would like to promote it on social media. But there are so many things to consider, where do you even start? We have got you covered with a plan to help get you started on social media. From knowing your market to tips on how to set up a social media profile, this 8-step plan will help you and your business get noticed! Continue reading “Social Media Platforms – Social Media For Your Business – An 8 Step Plan”

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Is Social Media Right for Me? A Few Things to Consider

You own your own practice and would like to spread the good word about your excellent services and level of expertise. Great idea! If you’re not already on social media, have you considered it as way to promote your business? A fast, effective and free way to show your prospects and current clients who you are, social media can help you connect and build those long-lasting relationships. And in this line of business…. it is all about those Advisor-client relationships.

But is social media right for you and your practice? There are certainly a few things to consider… Continue reading “Is Social Media Right for Me? A Few Things to Consider”

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The Greatest Hits: Your Client’s Top 3 Videos

Did you know that videos are one of the most effective (and effortless) ways to share valuable content with your clients and prospects? A simple introductory sentence and an informative video can initiate fresh client connections.

This year, we had a few great video hits, all available for you to share with your clients. With topics from mortgage protection to the value of professional advice, we’ve rounded up the top three videos.

Roll ‘em… Continue reading “The Greatest Hits: Your Client’s Top 3 Videos”

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The Greatest Hits: Your Top Videos


INFOclip: Protecting Your Estate

Over a lifetime, your client has worked and managed to accumulate an estate consisting of registered savings, non-registered savings, property, maybe even a business. And when they pass, they want to make sure that their family or a favourite charity receives as much of their estate as possible. So far so good, right?

However, the reality is that if your client fails to structure their estate effectively, much of those hard-earned dollars could end up in the hands of government as taxes or distributed to heirs in a way contrary to their wishes. So, how can they prevent their estate from being distributed incorrectly? Proper estate planning is key.

Watch this video, then share it with your clients to demonstrate the importance of effective estate planning with a trusted Advisor – that’s you! Continue reading “INFOclip: Protecting Your Estate”

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INFOclip: Protecting Your Estate


Healthy Forgetting: Remember This

Underwriters see an unprecedented number of cases of suspected or confirmed cognitive decline, the inevitable result of our aging population. While cognitive decline can be demonstrated by a degradation or loss of a number of functions such as learning, language or complex attention skills, the apparent loss of memory is the most common presenting complaint. Even cases where the memory loss has not had a major impact on daily living, a suspicion of even mild cognitive impairment (MCI) is enough to have the insurance application turned down.

But what about the other side of the memory coin, specifically can we remember too much or remember in ways that are unhealthy? How does this work and is there a name for this condition? Let’s delve a little deeper. Continue reading “Healthy Forgetting: Remember This”

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National Life Insurance Awareness Month

Did you know that September is National Life Insurance Awareness Month? The perfect time to reach out to prospects and clients to evaluate what insurance they have in place and if it still meets their needs.

A good place to start is to assess your client’s current situation. Your client has different needs at different stages in their life, so good questions to review with them include:

  • How has life changed since you purchased your coverage, or since we last reviewed your insurance: Find out about mortgages, new loans, job or income changes, education funds, retirement plans and other financial obligations so they can be sure they have the coverage they need.
  • Has the nature of your needs changed: They may require a similar coverage amount as when they first purchased their plan but their obligations may have shifted from temporary to permanent. A change of plan may be appropriate.
  • Have you done any will planning? What are you hopes and dreams for your heirs: There may be an insurance need associated with the smooth distribution of their estate.

Regardless of your client’s life insurance needs, they have options. So, as it gets chillier outside and we prepare for the long, cold Canadian winter ahead, take some time today to reach out and ensure that your clients have the insurance coverage they need today and into the future. Continue reading “National Life Insurance Awareness Month”

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National Life Insurance Awareness Month


Learning From Experience: Bett’s Story

Everyone loves a story with a happy ending, even if it’s rife with tragedy and family drama. But happy ending or not, if somewhere in the story, a loved one is lost, we see the toll the loss can take on the relationships of family survivors. True in fiction. True in life.

You play a pivotal role in encouraging your clients to plan ahead wisely and intentionally so they can ease rather than contribute to the toll their passing will take on the relationships of those they love. And you can never overemphasize the importance of proper estate planning.

Share Bett’s story with your clients to help them understand and remember the importance of documenting and communicating their final intentions.  Continue reading “Learning From Experience: Bett’s Story”

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Social Media Platforms – What You Need to Know

You’re a successful Advisor but want to promote and continue to grow your business online – smart move, count us in! However, there are just so many social media platforms, how do you know which one is right for you and your business?

There are indeed more than a few and they’re all slightly different, but all are excellent modern marketing tools and with a little research, you can decide which one (or two or three!) are a good fit for you and your brand.

Recently, LIMRA published a study asking Generation Y (also called millennials) who they engage for financial advice. They found that 90% of those surveyed said that they would NOT seek financial advice from their parents’ Advisors because they “are not relevant” (1). Ouch. But what does it mean to be “relevant”? Well, if you want to reach the next generation of wealth, you need to meet them where they are – and that place is on social media. Continue reading “Social Media Platforms – What You Need to Know”

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