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Closing the gaps in insurance regulation

Provincial authorities are targeting licensing exam security, MGAs, seg fund disclosures and other issues

Money garden

ALDAs protect against longevity risk

Introduced in the 2019 federal budget, these annuities provide income beginning as late as age 85

work from home

How to help families through death claims

A successful claims process begins at the time of sale, say experienced advisors

people using technology

An advisor’s role in underwriting

Exercising care, concern and consistency can help you provide your clients with a positive experience and the coverage they need

different opinions

Two sides of the insurance sales debate

Should insurance be offered by advisors as part of a holistic financial plan or sold as a complex product by expert salespeople?

work together

Insurance: An industry in transition

As regulatory oversight increases, advisors grapple with succession, financial planning and independence

people working

A strategy for assessing insurance suitability

A sneak peek at an upcoming CE course shows three time frames are key to recommendations

Canada Life insurance

Guiding clients through a CI claim

Balancing immediate needs with long-term expenses is key to using the payout effectively

woman using laptop

Interest-rate hikes boost annuities sales, payouts

Retired and near-retired clients are attracted by the products’ low risk and predictable income

right or wrong choice

Are rules governing seg fund sales adequate?

Regulators are drafting new guidance that may lead to revised life insurance licence requirements

buying insurance on a cell phone

Would you like insurance with that?

New Brunswick joins provinces that enable incidental insurance sales

people with questions

Do insurance advisors receive enough ethics training?

The life licence course includes material on compliance and regulation, but some advisors may not be required to update their training

five star rating

New insurance sales rules will create “happier” clients

Disclosure requirements and the DSC ban shouldn’t worry advisors who have a professional approach to their business, advisors say

Business team navigating towards a mobile phone

The next frontier in digitization

Lifecos' main digitization priorities are in sales, underwriting and on high-volume health claims

Hand with wearable health technology

Step up customer engagement with wearables

Health monitoring technology can help you offer additional value beyond the death benefit

Business person protected by a succession of umbrellas in a COVID background—insurance concept

Entrepreneurs face key choices with critical illness insurance

Tax factors may influence whether a policy is owned corporately or personally

dividend concept

Help your client understand par policy dividends

Being clear about the dividend scale is part of the conversation

online learning

Seg funds 101

Learn the pros, cons and intricacies of these often misunderstood products

distributing wealth

Cascading wealth

Boomers are using permanent life insurance to leave a multigenerational legacy

wealth transfer

How insurance-tracking shares can help with estate planning

Consider this strategy for business-owner clients who have whole life insurance


Due diligence is essential when buying an insurance book

Carefully examine a book’s attributes and product mix before purchasing

a man on a precipice

On the precipice of change

Faced with low interest rates and a global pandemic, the life insurance sector will continue to evolve to meet advisors' expectations

a man pushing a giant ball while others push squares

Insurance oversight evolves

Regulators aim to improve consumer protection while reducing the regulatory burden

confused man

Time to harmonize CE requirements?

Differing rules among provinces pose problems for course providers and agents

Hugh Moncrieff

Digital aspirations in insurance

Technological investment is key to future growth, says Canada Life advisory executive