A combination of relaxed underwriting, enhanced digital channels and coverage extensions reflect measures being introduced by many Canadian Life Insurance companies. Certain large carriers are temporarily expanding their risk tolerance by relaxing certain underwriting requirements. Many carriers are accelerating improved electronic delivery options and expanding digital processes ( a much welcomed development ). Some carriers […]
Tuesday Talks with Paul Etherington: 72 Years and Counting
November 7, 2019
When my Grandfather returned at the conclusion of the Second World War from serving six years overseas with the Royal Canadian Artillery he contemplated a career in the financial sector and had narrowed his choice to the brokerage, banking or insurance industries. He was shocked to learn of the suicide of one of his best […]
Tuesday Talks with Kirsteen Etherington: Underwriting and Insurance Requirements
December 12, 2017
Over the years I have had the privilege of underwriting the insurance requirements of many interesting people: CEO’s, philanthropists, entrepreneurs, academics; politicians, legal, accounting and medical professionals, leading edge researchers, athletes and of course many wonderful men and women who are doing their best to look after their families and plan for their future. Insurance […]
Tuesday Talks with Brian Etherington: Insurance Purchasing Cooperative
November 14, 2017
The very thought of Employee Benefit programs is akin to watching paint dry in the minds of many – until a serious claim occurs – which sharpens the attention of both employees and employers. It may come as a surprise to learn that employees repeatedly across Canada have indicated preference for a benefit plan or […]
Tuesday Talks with Brian Etherington: Risk Management-Ancient Origins & Modern Application
October 30, 2017
The transference or distribution of risk had its origins from Chinese and Babylonian sea traders in the 3rd Millennia BC who would redistribute their cargo across many vessels to mitigate loss from the sinking of any one vessel. 1,000 years later the merchants of Rhodes created the principle of “General Averages” whereby a premium would […]
Tuesday Talks with Paul Etherington: Seven Essentials for Buying Life Insurance
October 16, 2017
While life insurance never seems to be on the top of your to do list, it is an important component of your financial plan and a source of liquidity that success itself will necessitate. If you are planning to purchase life insurance in the near future – and if you are purchasing a home, having […]
Serious illness at a young age can trigger a financial crisis
June 15, 2017
A serious illness at a young age can trigger a financial crisis Our ability to earn an income can be interrupted by disability, sickness or accident (see below link). SHARRATT, A. (2017, June1). A serious illness at a young age can trigger a financial crisis. The Toronto Star. Retrieved from www.thestar.com In that event […]
Major Principles of Insurance #2
March 24, 2017
As we deal with entrepreneurs who collateralize assets as they grow their businesses and create estate exposures in the event of premature death, disability or sickness, it is reassuring to know that the proceeds of life insurance are creditor proof. Our client Richard is a wonderful young man. Charming, enthusiastic, intelligent, athletic and industrious, he was […]
Major Principles of Insurance #1
March 15, 2017
When my Grandfather returned at the conclusion of the Second World War from serving six years overseas with the Royal Canadian Artillery he contemplated a career in the financial sector and had narrowed his choice to the brokerage, banking or insurance industries. He was shocked to learn of the suicide of one of his best […]
