The COVID-19 Rating Guide: Get Ahead of the Curve

Since the first case of COVID-19 was reported in Canada in the spring of this year, we have definitely learned a few things about this virus. We know now that the coronavirus, known as COVID-19, is highly infectious and that although most of its’ victims are elderly and/or medically vulnerable, too many fatalities have occurred across the age spectrum and among those with no obvious pre-existing risk factors to define who or where the virus will strike next. Something that makes all of us more than a little uneasy.

On the positive side, we now understand how to better curb infection by hand washing, social distancing and wearing a mask, and as Canadians, we can be proud of our collective efforts to flatten the curve of rising new cases and deaths, at least thus far. Having said that, now is the time to focus on the mortality and morbidity impact for the more than 110,000 COVID-19 survivors in Canada; today the question is how will these cases be treated when applying for life insurance, critical illness or disability coverage? Continue reading “The COVID-19 Rating Guide: Get Ahead of the Curve”


The Genetic Non-Discrimination Act: A Supreme Thumbs-Up

Genetic testing has been an incredible success in helping patients determine both their current health status and future health risks. The results of a genetic test can help confirm or exclude a suspected genetic condition; they can also help determine the chance of developing or passing on a genetic disorder – certain types of cancers, Alzheimer’s and Parkinson’s disease to name just a few [1].

So, what is genetic discrimination, and what happens if your client would like to buy insurance but they have been genetically tested and are worried their results will work against them? Continue reading “The Genetic Non-Discrimination Act: A Supreme Thumbs-Up”

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The Genetic Non-Discrimination Act: A Supreme Thumbs-Up


COVID-19 Phobia – The Impact of Fear

There is no doubt that the COVID-19 pandemic has elicited widespread anxiety and fear, and although both are a normal part of the human experience, these emotions have caused many of us, including your clients, to change behaviour and decision-making regarding health. In fact, many of your clients who were once quite vigilant about their own health may now be feeling anxious about visiting their doctor or a hospital if they are unwell. Continue reading “COVID-19 Phobia – The Impact of Fear”

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COVID-19 Phobia and the Impact of Fear




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