Term Life Insurance Blog

Canadian tour of personal finance

2007-04-08T20:12:00.000-07:00

Canadian Money Advisor is hosting the First Ever! Canadian tour of personal finance.
Check it out on April 16, 2007

by monty loree - Term Life Insurance -
Term Life Insurance

Life Insurance Blog, Law Blog, Related Industries Blog Life Insurance Bloggers Wanted

2006-12-21T08:04:00.000-08:00

I am inviting anybody life insurance blog writers and law blog writers to come and visit on my blog.

In 2007 we will be covering many topics in life insurance. Along with talking about different life insurance products, I will be covering instances where people died an untimely death and hopefully had life insurance.

I will also be excited to visit your blogs and comment on your topics.

Capital One Secured Credit Cards in Canada
Canadian Secured Credit Cards
Secured Credit Cards for Canada
Canadian Capital One Secured Credit Card

Again, if you have a blog that talks about life insurance, legal law aspects of life insurance, and any other related fields to life insurance, I am inviting you to drop by and visit on my life insurance blog.

The interesting thing is, the more I blog about life insurance, the more I learn about life insurance. Adding the legal and related industries components to this blog will help our readers get a much better grasp of the different aspects of life insurance.

BLOGGERS WANTED:
Life Insurance Bloggers Wanted
Legal Bloggers Wanted
Funeral and Death related industry bloggers wanted

by monty loree - Term Life Insurance -
Term Life Insurance

Term life insurance

2006-12-02T09:16:00.000-08:00

I noticed that I haven't written much in this term life insurance blog recently.
I have switched over to Term life insurance blog on http://www.quality-ins.com

It's pretty time consuming to post different articles to different places, even though they reach different audiences.

I thought while I was here, I would post some interesting news articles about term life insurance in Canada and the U.S.

Why Now is a Good Time to Consider Life Insurance
2 Dec 2006 at 8:36am
(ARA) - Life insurance isn t a topic that is usually brought up at dinner time. No one likes to think about their death or the death of a family member. And no one thinks it could happen to them, but the reality is it could!

Applying for Life Insurance? Be Sure to Tell Them Everything!
2 Dec 2006 at 3:06am
(ARA) - The last time you filled out a job application, did you maybe stretch the truth a little about your responsibilities? A lot of people do it to make a better impression on a potential employer, but you better not do it on an application for life insurance!

Why You Can\'t Depend on Group Life Insurance
2 Dec 2006 at 3:06am
(ARA) - If you have a full time job, you may also be fortunate enough to have a free term life insurance policy through your employer. For most people, it s the equivalent of a year s salary. If you re lucky, it might even be as high as three times your annual salary.

China to keep 50 percent cap on foreign stake in life insurance joint venture
30 Nov 2006 at 9:52pm
China is unlikely to lift the 50 percent cap on foreign investment in life insurance joint ventures "in the foreseeable future", state media cited the industry regulator as saying.

Smokers Can Afford Life Insurance
1 Dec 2006 at 5:40pm
(ARA) - If you ve been putting off shopping for life insurance because you re a smoker, or think you are paying exorbitant premiums because of your habit, it s time to start shopping around.

Life insurance Without an Exam Not a Good Idea
1 Dec 2006 at 2:06pm
(ARA) - Are you one of those people who always gets nervous at test time? If so, you may be intrigued by the prospect of buying a life insurance policy that doesn t require a physical exam, but you could be making a huge financial mistake.

Universal American Completes Sale of Its Canadian Subsidiary PennCorp Life In
1 Dec 2006 at 2:21pm
RYE BROOK, N.Y.----Universal American Financial Corp. announced today that it has completed its previously announced sale of UAFC Inc., including its Canadian insurance subsidiary PennCorp Life Insurance Company, in an all-cash transaction to a venture 70% owned by La Capitale Civil Service Insurer Inc., a subsidiary of La Capitale Financial Group Inc., and 30% owned by GMF Assurances, a French

Bankers Conseco Life Insurance Company Introduces New Health and Life Insuran
1 Dec 2006 at 11:21am
Bankers Conseco Life Insurance Company today announced that it will begin selling health and life insurance plans, including those specifically designed for seniors, through their career agent force in the state of New York, effective immediately.

Term Life Insurance Prices Drop by Half
30 Nov 2006 at 9:25am
With economic inflation, most prices tend to go up, not down. But there are always exceptions, including term life insurance. It now costs 50 percent less than it did 10 years ago.

China to keep 50 percent cap on foreign stake in life insurance joint venture
30 Nov 2006 at 10:02pm
Shoppers in Chengdu. China is unlikely to lift the 50 percent cap on foreign investment in life insurance joint ventures "in the foreseeable future", state media cited the industry regulator as saying
by monty loree - Term Life Insurance -
Term Life Insurance

Home Maintenance – Don’t Lose Out on your Home and Contents Insurance.

2006-07-17T18:42:00.000-07:00

Home Maintenance – Don’t Lose Out on your Home and Contents Insurance.
Michael Challiner
Express Home Insurance
Holmes Chapel, Cheshire

Every homeowner is familiar with the maintenance it takes to keep your home in good shape to avoid future problems. Keeping your property in good repair with regular preventative care is a necessity to make it a comfortable home – but did you know that poor maintenance can have other side effects besides a little damp or dry rot? In the event of a claim on your home and contents policy, insurers will look at your property’s upkeep very carefully, Should your care be found to be at fault, your claim could suffer. Poor maintenance can lead insurers to reduce their payment to you – or worse, refuse to pay altogether.

So how can you avoid this problem? Here are our top ten tips in our once –a-year guide to a well-maintained home. It’s the annual checkup no homeowner can afford to miss!

Start your care plan once winter is over – winter is the time when most problems reveal themselves due to the damage caused by wind, rain, snow and frost. In the springtime, you can assess them properly and take corrective measures. Choose any calm spring afternoon, or even take it up as part that other traditional Easter pastime – doing up the house! If you catch a problem early, it will be much easier to correct and could save you a lot of money, not just in terms of work but the insurance claim we mentioned earlier.

So here it is, our handy guide to home maintenance!

1. Check and clear all gutters – don’t forget any on freestanding buildings like the garage. Unless you have the proper ladders and safety equipment, this can be a dangerous job so you may want to hire a professional cleaner. Clean out leaves and debris. In the autumn and winter, as well as summer showers, gutters are in constant use. Overflowing gutters leak down walls, causing problems with damp inside and out, from redecorating to damp proofing as water penetrates the fabric of the building. A costly affair that can be simply prevented with the right preparation.

2. Examine your roof. You can use binoculars to help. Check for any loose, cracked or slipped tiles. You don’t want rain to get in – there’s no sinking feeling like the one you get on hearing the steady drip, drip, drip of water coming from your ceiling. In addition to nuisance, water can cause long-term, expensive problems like damp or dry rot. Not to mention having to redecorate! There could also be problems in high winds – a loose slate or tile could be blown loose and hit you or a passer-by. Not a risk you’d want to take.

3. Keep an eye on any exterior finishes and paintwork. These are continually exposed to the elements – summer heat can make paint or underlying surfaces expand and crack or blister. When winter comes, these damaged areas contract with the cold and more cracks can start to form, letting in moisture. Once water gets in, frost and ice expand it causing even more damage. It’s well worth tackling any surface damage early with a lick of paint or sealer.

4. If you’re lucky enough to have an old-fashioned fire, you need to make sure that the chimney is swept annually. Not only is soot build-up unsightly, it is a fire risk and a chimney blaze is something to avoid. In the warmer summer months you may not use your fire, but any soot will absorb damp from the air and this may start to affect the brickwork.

5. Check the damp proof course. Make sure it is still intact, and that there is nothing bridging it. Your DPC can’t work properly if it is covered by garden rubbish or other yard debris. If the damp proofing fails, it will no longer protect your property from damp and dry rot.

6. Standard trees and specimen shrubs can add to the look of a property, but some will grow very large indeed – consider that a tree has a root spread at least as far as the branches of its crown. If a tree is overhanging your house, its roots are under your foundations. Removing them – or getting them out of the drainage system – is a very expensive business. The most notorious trees for this are Willows, which love water, and Poplars. In fact if a new house is built within 150 feet of a Poplar tree, the foundations have to be reinforced.

7. Falling trees or branches can cause problems too. If damage is caused to your property from a tree on someone else’s land, you will be covered in the event of an insurance claim. But if you own the land on which the tree grows, its maintenance is your responsibility. If its branches are structurally unsound or the trunk rotten, then it is up to you to keep it in a safe condition or have it removed. While you can keep smaller plants in good order yourself, you may need to have a tree surgeon conduct an annual inspection to ensure that large trees are safe, and not likely to be blown over except in extreme conditions.

8. Rambling ivy or Virginia Creeper may add a touch of the rustic to your home, but climbing plants can cause a lot of damage to the brickwork. Removing them is hard too, with roots penetrating mortar and plasterwork. Any cracks caused will be exploited by bad weather. Ivy is the most damaging, and you need to be especially careful not to let it get in to damage the roof.

9. Have your gas checked by a properly qualified professional. Make sure you choose a Corgi-registered engineer, who will check your boiler, radiators and gas appliances as well as carbon monoxide levels. Springtime is best for this, after the high-use winter period is over.

10. Finally, check the loft. Birds like to creep into roof spaces to nest, with messy consequences, as do wasps. Squirrels can also nest in roofs, and they have one nasty habit that could have a dangerous or even fatal outcome – they like to chew the insulation found on wires. Block up any access to your roof an ensure they don’t take up residence.

Follow our ten tips, and your home should be equal to almost anything the weather can throw at it. You will also be protected in the event of a claim on your home and contents insurance, knowing that your maintenance is up to standard.

Express provide great deals on home insurance quotes www.express-life-insurance.co.uk

by monty loree - Term Life Insurance -
Term Life Insurance

Times you think about Life Insurance?

2006-07-11T08:33:00.000-07:00

WHEN ARE THE TIMES YOU THINK ABOUT LIFE INSURANCE?
Summer Holidays are a great time to think about things. On our recent trip I took some time to think about some conversations and events that I normally don't take the time to reflect upon.

I was talking to some people over the holidays about life insurance and how they felt, thought about life insurance.

YOU'RE IN TROUBLE OR YOU NEED TO PAY FOR IT
There are two basic times when people think about their life insurance policies:
1) They're reviewing their bank accounts and payments
2) A frightening event happens in their lives

A BANKING ENTRY
You're reminded every month of your life insurance policy when it comes time to look at your bank statement and do your bank reconcilation. At this point your life insurance policy is nothing more than another banking entry.

A FRIGHTENING EXPERIENCE
Most people are familiar with this experience. Your spouse is gone for a few hours longer than they said they would be. They've gone to the mall with the kids or with friends and haven't returned yet. After a few hours, your spouse hasn't called yet. You start to worry.

After a little while longer, you start to worry about the worst case scenarios. Maybe my spouse has been in a car accident, maybe they're hurt and in the hospital. Maybe they've been kidnapped or maybe they've hurt themselves and can't contact you for some reason. These are scary but real worries.

If a loved one doesn't call for a while, it's very possible start worrying about the worst case scenarios and this happens to most people.

AM I COVERED?
After thinking about the worst case scenarios, the next thing your mind thinks about is "am I covered?".

When trying to imagine the first things you would do if something happened to your loved one, a person starts to think of their own well being. What happens to me if somethings happens to my spouse. It's a scary feeling, however it's a very natural feeling.

This "worst case scenario" situation is normally when people think seriously about and start to rely on their life insurance policy for comfort and peace of mind.

WORRY IS USUALLY SHORT LIVED
Fortunately, for all of us who worry, our spouses usually just lost track of time and come back home and then all is well again. However, in that small amount of time or worry, it's really nice to know that we're covered.

During my holidays, I had time to chit chat with some people and these are the impressions I got from those people. The times they thought about their life insurance were those few times that they were worried their spouses might be in danger.

I'm glad that most of the time people's worries are nothing more than a reflection of how much they value their spouses, and the value of the comfort of their life insurance policies!
READ MORE

Life Insurance - Adds Comfort

2006-07-11T08:10:00.000-07:00

TALKING LIFE INSURANCE WHILE ON HOLIDAYS?!!
Recently we went on a trip to beautiful Calgary, Alberta where we visited family, Banff and the Rocky Mountains.

After being on holidays for a few days it's sometimes important to think about work to relieve a little "holiday stress".

I was talking with a lady who asked me what I did for a living. I said one of the things I do is maintain a life insurance website where people can get life insurance quotes and life insurance information.

This is not a very common occupation and the lady didn't know what to say. Quite frankly, who talks about life insurance on a day to day basis. Usually you buy it, and then forget about it.

LIFE INSURANCE IS A COMFORT
The lady finished up the short life insurance conversation by saying that her husband has $1,000,000 in life insurance coverage. She mentioned with a sigh of relief that this policy gave her quite a bit of comfort knowing that she would be taken care of in case of his death.

The look on her face when she talked about that comfort was something I took note of. She was at peace when she realized that her and her husband had taken the necessary precautions in case of death. If her husband died she DIDN'T HAVE TO WORRY AT ALL! She would have to worry at all about money for the rest of her life.

YOU CAN'T BUY THAT PEACE OF MIND
Life insurance is something that you don't think alot about, but on those ocassions when you do think about it, it's nice to know you're covered.

Please do take a moment to sign up for a life insurance quote and we' ll have a qualified agent contact you with more information.

READ MORE

Health problems and life insurance...

2006-06-05T17:05:00.000-07:00

I was talking to a friend of mine that other day.. We were talking about finances , debts and all the usual guy financial talk.

My friend , aged 42, mentioned that he had gone to renew his 10 year term life insurance policy that he got when he was 32 years old. At the time , when he was 32 years old, he was in great health, played sports, wasn't married and had no children. He was also 50 pounds lighter than he is today.

When he met with his life insurance agent, the agent said that he had 3 new problems that were going to increase his insurance rates.
1) Being overweight
2) High blood pressure
3) Being a smoker

The good thing was that all of these problems merely made him higher risk, but still insurable. They did however increase his rates by a considerable amount.

At this stage of his life he needs life insurance more than ever because he's got a big mortgage, a wife and three children. His need has increased for life insurance from over ten years ago when he was renting an apartment and looking after himself financially.

HEALTH ISSUES MAY MEAN HIGHER INSURANCE PREMIUMS
I bring this example up because health issues and smoking are a pretty common occurance.. Especially when you got from your 30's to your 40's. You put on a few extra pounds, your job status changes, you take on more and more stress and your health can take a bit of a beating.

HEALTH ISSUES MAY MEAN HIGHER INSURANCE PREMIUMS
It's important to know about these things BEFORE you renew your old life insurance policy, or apply for a new one.

SOME COMPANIES HANDLE HEALTH PROBLEMS DIFFERENTLY
Example... the life insurance company you used 10 years ago gave you great premiums because you were in top health and didn't smoke. It may be the case that your original life insurance company isn't very competitive rate wise, with your current health situation.

The point is... it's a good idea to shop insurance even though the life insurance agent and company you dealt with for the last 10-20 years has treated you well. They may not be the most competitive rate wise.

If you're renewing your life insurance policy or getting a new one, please take a moment to sign up on our site.
We'll have a friendly agent contact you and help you shop for the best life insurance rates possible.
READ MORE

Smokers life insurance - for smokers

2006-06-05T16:18:00.000-07:00

One of the hard parts about smoking is that the life insurance companies think that smokers are a higher risk than non-smokers.

If you've taken up smoking since you got your last life insurance policy, or you're just getting a new life insurance policy for the first time, being s smoker is something that the life insurance companies are going to assess you for.

Companies will rate the amount of cigarettes you smoke and base your life insurance costs on that. Or if you smoke too many cigarettes, they may consider you too high of a risk, and not give you life insurance at all.

It's all about risk for the life insurance company. Assessing risk based on how many cigarettes, cigars, or pipes you smoke in a day is how they'll rate your risk factor.

For more information about your smokers life insurance situation, please sign up today for a quote and we'll have a knowledgable representative contact you with more information.

It's good to know that even if you smoke a few cigarettes per day, you may still be able to get life insurance coverage.
READ MORE

Lenders Sell Creditor Mortgage Insurance Not Term Life Insurance

2006-05-25T15:03:00.000-07:00

Creditor mortgage insurance is not the same as Term life insurance. We recommend that you cover your mortgage with a term life insurance policy and not with creditor mortgage insurance.

The main reason is that mortgage insurance from the lender holds the same rate that you pay, even though the mortgage balance decreases. This is something that you should check into. Sign up for a quote here and our agents will be able to help you out with that.

HAVE ENOUGH INSURANCE TO COVER ALL DEBTS
Another thing to keep in mind is that along with your mortgage, you should have enough term life insurance to cover your other debts. A term life insurance policy will be much less expensive than the creditors will charge you insurance. These include credit cards, lines of credit, auto loans, home loans etc.

If a creditor asks you to purchase insurance for one of these types of loans , as him what the rate is per hundred or thousands of dollars.

Example...
A $100,000 term life insurance policy that costs $20 per month = 20� per thousand dollars insured.

The creditor insurance that I've been offered is usually much higher than that. This is especially true when you get those credit card solicitors calling to ask if you'll buy credit card insurance from them. I always refuse that type of insurance.

DEBTS DON'T GO AWAY, EVEN IF YOU DIE
If you die suddenly, the mortgage still needs to be paid, as well as the other debts that you've accumulated. The creditors will go after your estate to collect the balance of what they're owed. If you don't have enough money or insurance to cover you mortgage, your family could lose the house that you've worked so hard for.

Once again, take a moment to sign up for a quote on this site and one of our agents will be pleased to help you calculate how much term life insurance you'll need to properly take care of your outstanding debts, and the other living expenses that would be needed upon your death.

What the Banks don�t want you to know about Creditor Mortgage Life Insurance? Did you know the following facts about mortgage and creditor insurance offered through banks and trust companies?

1. They are "age banded" and may increase your rates as you enter the higher age bands. The premium that the bank quotes you may be valid for only one year.

2. These insurance programs do not offer contractually guaranteed rates. The insurer may increase their rates at any time depending on the experience of the program; the insurance carriers expense factor, the market interest rates, etc.

Mortgage Renewal Insurance
READ MORE

Invest in life insurance or 401k?

2006-05-18T08:09:00.000-07:00

I posted this message on another newsgroup and was refered to this one "for expert advice"....
Here it goes:

My husband works for a company that offers a 401k. It's not a very good one; the company only matches 25 cents for every dollar the employee puts in it, up to $2 (=if we put in $8, they will put in $2, everything over $8 they won't match). We also have two life insurance policies, one in my name and one is his. They both are the kind that build up cash value (whole life?).

We pay around $130 a month for the life insurance policies and right now pay 2% of my husband's weekly income into the 401k. We would like to up the 2% to 8% to take full advantage of the company match, however, this would increase our monthly expenses by quite a bit. So now we are thinking of maybe changing from whole life to term life to lower the cost of the life insurance to be able to pay more into our 401k. Our insurance agent (of course) said that we should look at the life insurance policies as something that builds cash value and is tax-free income in case of death. I, however, would think that putting money in the 401k is a better deal than investing it in life insurance.

What do you all think about this?

I also have to add that I don't know how long my husband will work for this company (but 100% of the company match are vested right away, no waiting period) and that we have a 8-year-old child. We owe about $90,000 on our house and about $20,000 on two vehicles, other than that no debt. My husband's income is $40,000 + a year, I work part-time and make about $10,000 a year; the life insurance policies are for $100,000 (mine) and $250,000 (his).

____________________________________

I also have to add that I don't know how long my husband will work for thiscompany (but 100% of the company match are vested right away, no waitingperiod) and that we have a 8-year-old child. We owe about $90,000 on our houseand about $20,000 on two vehicles, other than that no debt. My husband's incomeis $40,000 + a year, I work part-time and make about $10,000 a year; the lifeinsurance policies are for $100,000 (mine) and $250,000 (his).

> We pay>around $130 a month for the life insurance policies and right now pay 2% of my>husband's weekly income into the 401k.

One key caveat--without a *LOT* more information about the lifeinsurance policy, it's going to be difficult for anyone to giveyou reasonable advice on whether or not it makes sense to keepthe policy in force.
One caveat I'd note, though, is that the decision to keep apolicy in force is a very different one from the decision to buyit in the first place--cash value life insurance tends to befront end weighted on expenses, so you have to evaluate thepolicy from this point forward and *NOT* from the perspective ofwhether it made sense to buy it in the first place.

Generally, it's expensive to change your mind about a cash valuelife insurance policy after the fact, since what you ended upbuying if you kill off the policy was simply an incrediblyexpensive term policy. You also will have a taxable event if thecash value of the policy exceeds your basis when you cash it out.

>We would like to up the 2% to 8% to take>full advantage of the company match, however, this would increase our monthly>expenses by quite a bit.

Probably a good idea to up the 401(k) contribution since you areotherwise leaving the 1.75% on the table--and it's tough to beatthat immediate rate of return . The problem is that youare creating an either/or situation that forces a straightcomparison of the 401(k) vs. a savings vehicle you previouslycommitted to.

>So now we are thinking of maybe changing from whole>life to term life to lower the cost of the life insurance to be able to pay>more into our 401k.

Actually, probably the *best* solution would be to see if you cansqueeze down your monthly expenses so that you net increase yoursavings. Then you can judge whether or not this policy makessense from a financial standpoint without having created aneither/or choice between it or the 401(k) plan.
But if it's truly an either/or choice, then you have to look intothe future and make some projections about what happens if...

For instance, it's virtually certain the 401(k) plus term willbeat the cash value policy if you happen to die a couple of yearsdown the road, especially if your policy is one that only paysthe death benefit (not the death benefit plus the accumulatedcash value).

Remember that if you die, the 401(k) proceeds will still betaxable income to whoever is the successor beneficiary. So onceyou've dropped the term life insurance, the 401(k) has to be farenough ahead to both provide the funds that the policy would haveprovided *AND* pay the tax on the distribution. Life insuranceproceeds would not be subject to income tax.

There may be an issue of whether there is a long term need forlife insurance in your case that might argue in favor of having acash value policy. One reason might be to provide for estatetaxes to be paid at the second death (but then we have to worryabout incidents of ownership and the like).

Also, you can borrow against the life insurance policy value,with the loan to be paid off when you die by a reduction inproceeds. So long as the policy stays in force (HUGE ISSUE), youwill not pay any income tax on those funds. However, you have tolimit your borrowings to insure that the policy does not collapseand create a huge tax bill with no cash to pay the tax (generallynot a good thing ).

One thing to be careful of--be aware that many of thejustifications offered for keeping the insurance policy aremutually exclusive. That is, if you have a need for the deathbenefit for your entire life, that argues against borrowingagainst the policy. If you want to borrow against the policy,that severely limits options for keeping it out of your estateand able to pay estate taxes. So the key is to be sure you havea *rational* and *consistent* justification for the insurancepolicy--not just a bunch of talking points about general reasonsto hold insurance. A good agent will have such a justificationready--a poor one will end up giving contradictory reasons tohold the policy and act as if you can have it all (which youcan't).
>Our insurance agent (of course) said that we should look at>the life insurance policies as something that builds cash value and is tax-free>income in case of death. I, however, would think that putting money in the 401k>is a better deal than investing it in life insurance.
Without seeing the specific policy and the specific 401k plan(and options) I don't think a rational answer can be given.

>What do you all think about this?
>I also have to add that I don't know how long my husband will work for this>company (but 100% of the company match are vested right away, no waiting>period) and that we have a 8-year-old child.

That will complicate matters, since you can't be sure how longthe 401(k) option will be there for you. It's possible that your husband could end up with an employer with a 401(k) with no match*OR* no plan at all.
READ MORE

Ponzi Scam & Life Insurance ?

2006-05-18T07:42:00.000-07:00

It doesn't cease to amaze the lengths that people will go to, to make money and live the life style. Robert Alvin Coberly Jr. and Curtis Devin Somoza, must be pretty intelligent in order to cook up all of these schemes etc. And for the most part, people are dazzled when they see someone with high priced cars, jewellry and houses etc. It's easier to scam people when they see you are "successful". I find it really curious that these men spent $4.7 million on life insurance pools. My impression is that these funds are used to create or develop a life insurance company or service. While life insurance is a great business, I would hate to see life insurance clients have to "check out" a life insurance companies credentials before they bought their life insurance policies.

Two Men Nabbed For $68 Million Alleged Ponzi Scam (CBS) WESTLAKE VILLAGE, Calif. Two Westlake Village men were arrested Tuesday on charges they conned about 70 investors out of more than $68 million in a classic Ponzi scam. Robert Alvin Coberly Jr. and Curtis Devin Somoza, both 38, are accused in a criminal complaint of misleading investors into believing their money was going to be used to buy pools of life insurance policies that would eventually yield a five-to-one return -- supposedly with no risk. Prosecutors say investors were told the life insurance pools were being bought on behalf of the Personal Involvement Center, a church-based group in South Los Angeles. In reality, just $4.7 million of the more than $68 million the two men allegedly took in was invested in life insurance policy pools, prosecutors contend.

Term Life Insurance & Health Insurance. FAT OR FICTION?

2006-05-16T09:30:00.000-07:00

Life and Health Insurance. FAT OR FICTION? Michael Challiner Express Life Insurance Holmes Chapel, Cheshire Thinking of taking out life or health insurance? You�re a perfect weight? Fine, good for you, but if you�re not, read on: Do you know your BMI figure? BMI stands for body mass indicator and is used to ascertain whether you are underweight, normal weight, or obese. It works in the following way: You will need to know your weight and height, using metric measures. Multiply your height by itself, and then divide the result by your weight. Hopefully the result will be in the 18.5 to 24.9 range, which is absolutely fine. The BMI categories are listed below. � Less then 18.5 is classified as underweight � 18.5 to 24.9 is classified as normal weight � 25 to 29.9 is classified as overweight � 30 or greater is classified as obese These figures are for adults. There is a slight variation in that it is possible that this method overestimates fatness in people who are muscular or athletic. Worryingly for the insurance companies, if not for the fatties themselves, is that, according to a recent survey, 1 in 4 of UK adults is overweight. According to Cancer research UK, 1 in 4 of these overweight adults is simply not interested in losing weight. The UK government is also concerned about these figures and a campaign has just been announced to urge GP�s to encourage patients to consider weight reducing measures. It is a sad fact that we, as a nation, are second only to Greece in obesity levels in Europe. In view of these facts and in an effort to get at the truth, Scottish Provident, one of the UK�s biggest life insurers, have introduced a new question into their insurance application forms. As well as asking your weight, you�ll be asked when you last weighed yourself. Scottish Provident believes that many people understate their weight, feeling sensitive about the subject. It may be some time since they last weighed themselves and the memory can be very hazy when it comes to something you�d prefer to forget! In some cases, people are deliberately lying in an effort to get cheaper premiums or even to get insurance cover at all. Are these fair measures? I believe so. The life insurance industry has taken a BMI level of 30 as acceptable, which I think is generous. Beyond that figure, you may have to pay an increased premium or in a worst case scenario, be refused your health or life insurance. The Lancet recently reported the results of a study of 33,000 adults and considered that a BMI of over 25 is fine. This is an increase of the over 24 definition that the medical profession was recommending � the equivalent of an extra half stone, or around 15kg. They also, reassuringly, found that only adults with a BMI in excess of 35 were in danger of suffering a serious lowering of life expectancy. The facts given in health or life applications forms form the basis of your agreement with the insurance company. You can�t blame them for insisting on complete honesty. Would you want it any other way? Express Life Insurance ( www.express-life-insurance.co.uk ) are specialists in Life Insurance and Critical Illness Insurance ( www.express-life-insurance.co.uk Term Life Insurance
READ MORE

Muslin Mortgages and Loans etc. No interest payments - for those of the muslim faith?

2006-05-03T12:01:00.000-07:00

Mortgages and Loans. No interest payments for those of Muslim faith

With over two million Muslims in the Canada and U.S., the question of how to borrow
money for a mortgage is one that faces many. Mortgages and loans operated in the Canada and U.S. all work using a repayment system based on interest, and those of the Muslim faith are forbidden to pay ‘riba’ (the Islamic term for interest) by the requirements of the Quran.

To address the size of the Muslim population in the Canada and U.S., some lenders have found it necessary to develop specific products that meet Muslims’ needs. Here we have detailed two of the financial products suitable for Muslims.

The Islamic alternative to the mortgage - Ijara with diminishing Musharaka

This is the main Islamic alternative to a Canada and U.S. mortgage, and Canada and U.S. banks and building societies are increasingly offering this option to Muslim
customers.

’Musharaka’ means partnership and the mortgage works by way of a variable shared equity plan. The bank is the legal owner of the property and is its legal owner. For the term of the agreement, 25 years for example, the customer pays a monthly payment which includes a rent payment and a payment that buys a small proportion of the property. The proportion that the buyer owns of the property increases over time as more payments are made. The buyer owns the property in full once the final payment has been made.

The Islamic alternative to the loan - Ijara

If a customer wants to buy a car or another big item for which they do not have the money, they can ask the bank to buy the item for them. Then the customer pays the bank back by way of a monthly payment. That payment covers the bank’s costs in buying the item and the bank allows the customer to use the car, for example, so it’s like having a lease.

Finance for Muslims is not something that is easily accessible in the Canada and U.S., but it’s there if you know where to look. Here we have collated three institutions that offer finance to Muslims.

1. Lloyds TSB has introduced financial products aimed at Muslims in 33 branches in the last few years. This is their position on the matter: “It’s important for our customers to see that we are following the right procedures. We have a panel of four Islamic scholars who oversee the products. They offer guidance on Islamic law and audit the products”.

2. HSBC has devoted a brand called ‘Amanah’ to service Muslim customers. Included within the range are current accounts and pensions, home finance plans, home insurance and commercial finance opportunities. The product manager for the brand, Hussam Sultan, has stated: “As a bank, we are not here to moralise or tell our customers that Amanah finance is the way to please Allah. We’re just here to provide them with a choice”.

3. The Islamic Bank of Canada and U.S. has seven branches across the Canada and U.S.,

The Islamic Bank of Canada and U.S. is the only Canada and U.S. bank that deals
specifically with Muslim customers and they are 100% halal in all respects. The Sharia’s Supervisory Committee approves all of their financial products, which consults with specialist expert financial Muslim scholars.

We have collated a list of oft-used Islamic finance terms and defined them for you here, for your interest and information.

How To Easily Find The Best Term Life Insurance company

2006-05-03T11:53:00.000-07:00

The concept of ~ term life insurance is very easy to understand. term life insurance remains effective for a limited, predetermined time span. A term life insurance holder pays regular premium during the term of ~ his term life insurance policy. If the insurance holder dies during the term, death benefits directly go to the beneficiary. Most of ~ the term life insurance policies offer variety of ~ options but term life insurance offer only limited flexibility. Additionally, term life insurance does not make any cash value or any residual. After the expiry of ~ term life insurance policy, there is no use of ~ it, you just need to renew it or purchase a new one. It is also true that options are more readily available with other insurance solutions. Despite simplicity and limitations, term life insurance is still sensible among many customers. Those who need temporary term life insurance protection should prefer term life insurance policy. Some times it happens that an individual is not covered by any term life insurance policy due to some reasons, under such circumstances, a term life insurance can fill the gap, protecting the financial interests of ~ their family. If you also need term life insurance coverage for a short period, term life insurance comes in picture. term life insurance is mostly meant for young working people with families. You can quickly find the best term life insurance quote using Internet. While searching for online term term life insurance quotes you should keep some points in mind like the premium to be paid, term of ~ the insurance, term life insurance rate, authenticity of ~ the company etc. You can find affordable term life insurance by searching online life insurance companies. By comparing term life insurance policies of ~ different companies you can find the best term life insurance policy suitable for you. term life insurance is a must for all of ~ us. Do not postpone it any more. Get a new term life insurance. Good luck.
READ MORE

RE: Health Problems and term life insurance

2006-05-03T10:15:00.000-07:00

Greetings:

For people who have pre-existing conditions such as disability and have questions regarding there qualification for life Insurance and Disability insurance the best thing for them to do is to arrange to have the no cost, no obligation medical offered by the life insurance company in order to confirm there premiums and qualification. Something to keep in mind is most pre-existing conditions will not be covered by any new coverage taken out.

When applying for life insurance whether it is Low cost Term Insurance or Universal Life Insurance a medical is needed to complete your application. The medical is used to evaluate the individual’s eligibility for insurance. The insurance company looks at the medical information gathered as well as the information on the individual’s application to determine there need for insurance. Other forms may be necessary but this are gathered on a case by case basis. Individuals with pre-existing conditions must disclose all information about there condition on the application as it effects there premium, in most cases it is either the condition is not covered or there is a rating on your policy which brings the premiums higher. As medicals are performed at no cost, or obligation to the client they are the best way to determine a client’s eligibility. Once the medial is completed and an approval is reached the client will decide on how to proceed.

The same applies for individuals who apply for disability insurance, medicals are not needed for disability plans unless requested by the insurance company but like applying for Life Insurance, applying for disability coverage is the best way for people who have questions regarding there eligibility to confirm there premiums and eligibility. It is best to disclose all information about any pre-existing conditions at time of application and like life insurance most pre-existing conditions will not covered by new disability coverage.
Sheldon

purchase domain name
email marketing
web design service
sell car online
sanitary engineers
life insurance settlement
piano parts supplies
payroll services systems

Finding cheap and inexpensive life insurance

2006-04-26T06:06:00.000-07:00

Does cheap life insurance / inexpensive life insurance really exist and can you really
compare one life insurance product against another? You need to
do your home work if you want to get life insurance cheap and a reasonable cost.

According to all of the #ads on TV, it should be easy to find
cheap life insurance, but how easy it in reality.

We set out to discover whether there really is any such thing
as cheap life insurance and here's what happened.

The number of web sites offering cheap life insurance is
staggering.

We did a search using the #US version of Google using different
search parameters and these were the #results:

Search Term for cheap life insurance and the #Google results

"cheap life insurance" - (the quotes ensure that only sites
containing the #actual phrase are returned) 625,000

cheap life insurance - no quotation marks 63,500,000

"life insurance" - the #quotation marks were necessary
105,100,000

As you can see, there is plenty of choice when it comes to
finding life insurance, particularly cheap life insurance, so
when you get that many results, what do you do?

It's obvious that when 625,000 sites are promoting cheap life
insurance, that you can't possibly visit them all and look for
the cheapest life insrance policy! You'd probably die trying!

It seems from research by the #search engines themselves, that
most web surfers will simply click onto one of the #top placed
sites in the #results column.

That approach might work, but will you get cheap life insurance
as a result?

Sadly, you probably won't. It just means that the #site you see
is very good at search engine placement, or they have targeted
and paid the #search engine to place them in the #top spot for
the term, "cheap life insurance". There's nothing wrong with
that, but we'd like to save you some money if possible.

You might have seen a number of sites offering a one-stop
quotation service - where you enter your details once and then
get competitive quotations from competing insurers.

The idea of getting cheap life insurance from one of these
sites is super because it saves you lots of time. We like
things that save time!

We tried an experiment to see the #range of quotes for a
married, middle-aged, non-smoking couple looking for cheap life
insurance using a site called http://www.quality-ins.com.

The quote was for level term life insurance over 20 years
providing cover for 350,000 - it seemed a nice amount to spend
at the #time!

The search returned 10 results (plus one duplicate), mainly
from household name insurers.

The cheapest was for $85.00 per month and rose steadily to
$130.00 per month for the #most expensive. There was a note at
the bottom of the #screen saying they wouldn't be beaten on
price - now there's a challenge, so off we went again...

This time, we visited a site of a popular life insurance
company - it was a nice simple site that didn't require us to
enter a phone number - we like that!

The results were impressive.

The cheapest life insurance quote we got was for $73.00 and the
most expensive was $130.00 per month.

But, we're on the #lookout for cheap life insurance - and
already, by choosing two different companies from the #top ten
in Google's results, we can see an immediate difference of
$15.00 per month for identical policies - ok, they might not be
identical, but the #parameters were the #same.

$15.00 doesn't seem that great a difference, but over the #20
years term, that amounts to a saving of $3360

The problem with the #sites that "do all of the #work" for you
seems to be that they all deal with different insurers - and
some get better deals to offer than others.

We're not sure how objective these services are to be honest,
but using one of them does seem to give you a better idea of
what you should be paying than by simply one insurer.

Our advice - try a few different comparison sites in order to
find cheap life insurance.

Life insurance myths and FAQs

2006-04-26T06:00:00.000-07:00

Getting yourself life insurance brings in many advantages. However, some of us are confused because of the ? myths and misconceptions surrounding the ? life insurance coverage and not understanding what life insurance is all about. Let us see what are these myths and misconceptions that are holding you back from getting life insurance.

If I am staying at home and not working there is no need for me to get life insurance. it | is not true because it | is not your work that you are insuring; it | is your health which you are insuring. Would it | not better if your loved ones were not hard pressed for money after you have gone?

I do not need life insurance when I am young. it | is not that you will remain young through out your life. As you grow old you may not be that healthy, you may fall prey to disease and you may meet with an accident. it | is worthwhile getting yourself insured when you are young. When you are young you can get cheaper life insurance than at an older age by paying less premium and you may be saving 30% of the ? total expenses.

There must be some catch in cheap life insurance? Every one of us has a feeling if the ? life insurance premiums are low there must be some hidden catch in it. the ? fact is that there is no catch at all. the ? premium for life insurance policies depends upon the ? duration of insurance period, your age, your health and the ? premium remains the ? same throughout the ? coverage of insurance.

Do I need Life Insurance When I have no mortgage liability and my children are independently supporting themselves? Remember, it is not for the ? children and mortgage that you have to worry now. Your spouse needs the ? life insurance money if she outlives you.

I do not need life insurance because I already have a policy at my work place. Sure, you are covered by the ? insurance plan at your workplace but it | is not sufficient to provide the protection you and your spouse need. This type of insurance abruptly stops on your retirement or when you quit the ? job.

Which particular type of Life Insurance is good for me? There is no need to panic on this issue. Complete information on different options for life insurance plans is available on the internet. You can buy life insurance on the ? internet also.

Simple rule is that get yourself insured when you are young, when you get married and buy a house. These myths and misconceptions are just figment of someone?s imagination. Life Insurance provides you customized coverage for your family.
READ MORE

Marshall Loeb's advise on life insurance and estate taxes

2006-04-24T12:37:00.000-07:00

I noticed this article by Marshall Loeb who advises about insurance policies that br Sheldon from Conservest had the following comments:

"In most cases life insurance policies are set up to help pay your estate taxes. If you have parents that have a large estate and want to pass it on to there children you would advise them to take out a joint last to die policy, have the children pay for the policy and have them made as beneficiares and then they can use the policy to pay the estate taxes. That example is the best, people use life insurance to plan for extate taxes. " This is a really excellent example of how life insurance income could affect estate taxes. It's really important to plan for these eventualities.

MARSHALL LOEB'S DAILY MONEY TIP irrevocable-beneficiary info NEW YORK (MarketWatch) -- Life insurance is an important ingredient in making sure your family is taken care of after you die. While income tax does not apply to a life-insurance payout, the dreaded estate tax does. If you have a substantial policy that could push the value of your estate above the tax threshold (currently $2 million) you can create an irrevocable life-insurance trust, a legal entity that will own the policy while you're alive and pay the proceeds to the beneficiaries you've designated after you die. A trust works with both cash-value (whole, universal) and term policies. You'll need an experienced attorney to draw up the papers and you must convince the IRS you've given up ownership of the policy so you won't be able to alter its provisions, change who the beneficiaries are or pay the premiums yourself. (If that's giving up too much control you can give a policy outright to your children but if they're minors a trust probably makes more sense.)

Mortality Rate info and life insurance

2006-04-24T11:59:00.000-07:00

This page lists some valuable articles about Mortality Rates which directly affect life insurance. Mortality rate life insurance article Even though we don't like to think about death and mortality, there seem to be more and more causes of death, including diseases, accidents, acts of war, natural disasters etc. Some of the titles include:

HIV/HCV Coinfection Increases Rate Of Liver Disease, Mortality, Study Says (M...
Breast cancer mortality rate still high among blacks (The Times of Northwest ...
Hypertonic Saline a Solution for Controlling Intracranial Pressure in TBI Pat...
World on track to halve poverty rate by 2015 but Africa lags well behind: rep...
Minorities Show Higher Rate of Cancer (The Epoch Times)
Governor Bredesen Hosts Infant Mortality Summit (The Chattanoogan)
Blake Fleetwood: CUBA HAS BETTER MEDICAL CARE THAN THE U.S. (HuffingtonPost)
World on track to halve poverty rate by 2015 but Africa lags well behind: rep...
World Bank: Sub-Saharan Africa lags in progress towards MDGs (Mail and Guardian)

What does it cost to die? Bargain basement pricing for death?!!

2006-04-18T10:23:00.000-07:00

I found this on our Probate costs page. When I was about 23 years old (many movies ago), I had job as a purchaser/expediter for a retail manufacturing company in Toronto. I was pretty diligent at shopping and getting the best prices on things. It was about this time that I got my first life insurance policy. I figured, well.. I have some assets , not much debt, but I don't want to leave the cost of my death up to somebody else. CHEAPEST COST OF DEATH I thought that I would take it upon myself to price out the cost of death. The question I asked everybody was, what's the cheapest cost of death" Ultimately the cheapest cost was about $400 for cremation with no ceremony or plot or anything else. You die, get torched, and then get thrown in the garbage, for the low price of $400.!! If you don't have any assets, any liabilities, or any other worldly possessions, you won't have to incur any administrative or legal costs. So... if you want the cheapest death possible, it's going to cost approximately $400 to get it done. This is another way to look at it. Spend a little time to price out the cost of your death, the way you want it. It's an interesting exercise. If you have any assets, liabilities, want a nicer funeral, or have dependants that may need income replacement, then getting a life insurance policy is the right thing to do.

Attitudes toward death have changed, along with the cost of setting the departed poor in their final resting places. The Connecticut Funeral Directors Association is backing a bill before the General Assembly that would increase state payments for burying indigent people from the current $1,200 to $3,000. The bill also would increase the cap on friends' and relatives' donations for funeral expenses from $2,800 to $3,000. State funeral directors say the cost of even the most basic burial has risen significantly since the current state allowance was approved 20 years ago. The average cost of a traditional funeral is now $5,200 to $6,200. Randy Molloy, director of Molloy Funeral Home in West Hartford, ran down the expenses: cemetery lot, $670 to $2,600; opening and closing the grave, $650 to $1,100; outer burial container required by some cemeteries, $800 to $900; coffins start at about $900. "When you're talking $1,200, you can't even purchase a grave and get it opened," Molloy said.

cost of death, cost to die,
READ MORE

Organ donors needed - planning to help others upon your death

2006-04-12T14:47:00.000-07:00

This discussion area is usually for life insurance and people planning for their death. I saw this and thought that it is another way that a person can help out others upon their death. Organ Donation. It's interesting in this article that "most people mentioned that they wouldn't mind being an organ donor after they pass away". However, most people don't designate themselves as an organ donor. I'll admit, it's not something I think about every day. The whole purpose of life insurance is to think about your loved ones after you die. Being an organ donor is another way to give value to those around you.

Finally, an approach to organ donation better than complete apathy The state of organ donation is simply devastating in the United States. The present system, in which individuals are assumed not to be organ donors unless they denote otherwise, ends in the needless death of thousands simply because many are too lazy to go through the miniscule effort of becoming an organ donor (it is as simple as signing the back of one�s driver�s license). There are numerous effective mechanisms that would drastically decrease this shortage, the most prominent being an opt-out system where individuals would be assumed to be donors unless they denoted otherwise. Studies have shown that this would allow the small percentage of those who are truly opposed to their organs being donated to avoid that, and the vast percentage who are just too lazy to change their donor status would end up donating (in first-world countries that opt out instead of opt in, the percentage of donors is drastically higher).

Probate - No Will could be costly.

2006-04-12T09:35:00.000-07:00

I noticed this article: The Get-Rich-Quick Crowd Discovers Probate Real Estate (The New York Sun) It is said that there are 1,000,000 estates that go into probate each year because people don't have a will in place. The courts then have to decide how the deceased assets are allocated. That's an alarming number. I can imagine that life insurance planning would be about the same for many people. The point is... if you don't have a plan for your death, your heirs won't receive the full value of what you were planning for them. It's interesting that probate real estate is becoming a big business amongst the get rich crowd. they're getting rich from the lack of planning by the owners of real estate. It's important to get your life insurance and will planning in order.
READ MORE

Health problems? Need life insurance?

2006-04-05T08:39:00.000-07:00

There are many people who visit this site who have health issues and are looking for life insurance. It is very difficult and confusing when you've had life insurance for many years but start to have health issues before the time of your next life insurance policy renewal date. HEALTH ISSUES CAUSE PROBLEMS The problem is that you now need get a new life insurance policy or renew an existing life insurance policy. You've found out that you've got cancer, high blood pressure, heart disease, are now overweight or obese , or other issues which may stop you from receiving a life insurance policy with some companies. It's important to keep in mind that different companies treat different health issues differently. Some companies like to underwrite cancer related policies and some don't. If you're currently dealing with a company that doesn't specialize in your health problem you may need to look for other companies that do. WE CAN HELP!! We will put you in contact with an agent that works with the type of health problems you may have. These agents work with clients who have had cancer, high blood pressure, heart disease, are now overweight or obese , or other health issues If you meet the minimum required health conditions that the life insurance carriers ask for, you'll be accepted for life insurance. The only way you'll know is by taking a few minutes and signing up for a life insurance quote on our site. We will then put you in touch with an life insurance agent who is licensed to work in your area. If you have had cancer, high blood pressure, heart disease, are now overweight or obese, you may not qualify for life insurance coverage right now... but a life insurance representative will give you some tips as to what you would need to qualify in the future. SIGN UP TODAY!
READ MORE

Life insurance companies make money even after Hurricane Katrina

2006-04-01T06:16:00.000-08:00

This A.M Best article shows the huge amount of life insurance and property and casualty insurance that is purchased in the U.S. It is a huge business. It just goes to show that when everybody was saying that Hurricane Katrina was going to bankrupt the property and casualty insurance companies, in reality, it would only put a dent in their revenues. According to this article the property and casualty insurance companies brought in $481 billion in revenu in 2005. Hurricane Katrina reportedly will cost $60 billion. While this is quite a bit of money, it's not going to totally sap the insurance industry by any means.

BestWeek: A.M. Best Data Show Hurricanes' Effect on P/C Profit; Life Insurers Post Gain OLDWICK, N.J.--(BUSINESS WIRE)--March 31, 2006--The property/casualty industry failed to sustain an underwriting profit in 2005, according to A.M. Best Co.'s Advance Financial Results studies in the April 3 issue of BestWeek. However, life insurers increased their total admitted assets at year end by nearly 6%. Property/casualty insurers realized an underwriting profit in 2004 for the first time in 25 years, but 2005's record hurricanes blocked a repeat performance. Still, they realized 2.2% growth in direct premiums written to $481.8 billion. The property/casualty industry's admitted assets grew 8.3% to $1.3 trillion, and policyholder surplus was $428 billion at year end. The life insurance industry grew admitted assets by 5.8% last year, bringing the total to $4.5 trillion. The 25 largest life insurers led the way with a 6.8% growth rate. Those insurers account for 76% of the industry's admitted asset base with $3.5 trillion of the total, according to A.M. Best. MetLife regained its position as the largest life insurer. In 2004, AIG Life Group overtook MetLife in that position on 17.7% growth in admitted assets

Two Retarded brothers - Life Insurance Scam

2006-03-27T08:30:00.000-08:00

I love reading these stories even though they're usually horrifying. Taking a life insurance policy out on an unsuspecting woman and then killing her for the money. To me that is the ultimate crime: using somebody else's life for financial gain. They got a $400,000 paycheck for somebody else's life. These brothers should get the death penalty. Once again, life insurance is for insuring against the accidental death, or death caused by uncontrollable health issues. Life insurance is not for planned premeditated deaths. Life insurance should not be used for killing for profit.! These types of articles are great to illustrate the wrong usage of life insurance.

Brothers in crime change plan, now say they're retarded The brothers came to this country with a sophisticated plan. They would pose as aristocrats from Germany and, using their charm and good looks, one of them would find a woman to sweep off her feet. He would marry her and take out life insurance, and when she signed the policy, she would be signing her death warrant. Now, 17 years later, the brothers are coming to court with another plan. They can't be put to death, they say, because they're mentally retarded. This week, prosecutors asked the state Supreme Court to overturn a lower court judge's ruling that could help brothers Michael and Rudi Apelt avoid a death sentence.

Acuity presented excellence award - Sheboygan Wisconsin

2006-03-27T08:06:00.000-08:00

There's something you don't read about everyday... Acuity Awards..

Acuity presented excellence award The Greater Milwaukee Chapter of the Chartered Property Casualty Underwriter Society recently presented Acuity its Excellence Award. The CPCU Society is a community of credentialed insurance professionals who promote excellence through ethical behavior and continuing education. The society's more than 26,000 members hold the CPCU designation, which requires passing eight rigorous undergraduate- and graduate-level examinations, meeting experience requirements and agreeing to be bound by a strict code of professional ethics. The CPCU designation is conferred by the American Institute for CPCU.

Exit Strategy - Life Insurance and business

2006-03-21T07:22:00.000-08:00

YOUR EXIT STRATEGY - AND HOW IT RELATES TO BUSINESS PLANNING. Business owners and executives are always coached to have an "Exit Strategy" with their career and their business. An exit strategy is a structured plan as to the many scenarios a business / business person might encounter. The theory is that it should be assumed that a business is going to last for a certain period of time, and/or that a business owner is only going to want to be involved in that business for a fixed amount of time. If a business owner is planning to exit the business in 5 years, he needs to have a bunch of answers in place to make that transition smooth:

Am I going to close the business or sell it?
Do I want to sell for cash?
Will I keep some stock?
What are the tax implications of taking cash or stocks?
Do I want to continue on as a consultant?
How do I sell the business?
Who will I hire to help market the business?
Who do I sell the business to?
ETC

If you don't have a plan for these important questions, you're more than likely going to stumble through the process and not receive all of the benefits of exiting your business. Death planning and life insurance are similar Although it's not a natural or pleasurable task to plan for your death or your loved one's death, it's something that should be looked at in a business like manner. I found this article. where this gentleman was in the life insurance business by trade and also had cancer. He went through the planning stages in a more business like fashion.

"I was looking for a quiet place to die," he tells us. Naturally, he chooses Brooklyn � otherwise, Paul Auster would have had to give his new novel a different title. Nathan is pushing 60, divorced, alone, and likes it that way. He's sort of a Misanthrope Light. He also has cancer, which is why he figures it might be time to get ready for a transition by making a transition. Nathan made his living selling life insurance, so he knows all about actuarial tables; he might live for another 20 years, he might live for six months. Either way, Nathan will be prepared. Having found a decent place to live in Park Slope, Nathan begins to write what he refers to as The Book of Human Folly, a roster of the disasters he has brought on in his rapidly deflating life. Since he grows weary just compiling his own stupidities, he begins writing about other people's as well. When not immersing himself in mankind's manifold failings, he takes long walks through the neighborhood.

It's refreshing to see the "matter of fact", business like approach that he's taking to getting his finances in order. Recently, my aunt, age 74, was diagnosed with cancer. She was given 2-6 months to live. She was instructed by the doctor to get her household business and her finances in order before her death. Her situation struck me a little closer to home as she is my mother's sister. I thought to myself.. My aunt is 74, she's got cancer, she probably feels terrible physically and emotionally, and at the same time she's got to think about selling her house and all her property she owns. She's got to think about estate taxes, and wills for her heirs etc. Is that really the time you want to start thinking about that? Not really... At a time like that, you want to simply execute all of the plans you've put into place prior to that. It's a pretty hard and emotional topic. If you or your loved one dies before your time, these matters will have to be dealt with anyway. The least stressful way is to plan for this eventuality before hand.
READ MORE

American Express helps fight online child pornography

2006-03-20T05:39:00.000-08:00

With all of the profits credit card companies make, and especially American Express Canada, it's nice to see that they're allocating some of those profits to fight against child pornography. As I sit and think about it more and more, American Express Canada and every other credit card company must have a fund and system in place to detect and reject the purchase of other illegal products using their credit cards. I'm sure the folks who deal with this at American Express must scratch their heads and wonder how people would try to purchase illegal items with their credit cards. Keep in mind, that if people can't purchase and illegal item from a vendor who has an account with American Express, the customer can take out cash advances on their card and buy illegal things. It shows good conscience and good corporate moral standards for American Express Canada to get involved in this fight against child pornography.

A group of financial institutions, internet companies and organisations fighting child pornography have formed a new coalition in hopes of cutting off online payment mechanisms for web sites selling child pornography, the organisations involved announced last week. The announcement comes just a day after the US Attorney General said that 27 people in the US, Canada, Australia and England were arrested for their alleged involvement in an internet chat room used to trade child pornography images, including live streaming video of adults sexually molesting children and infants. The Financial Coalition Against Child Pornography is made up of 18 companies, including America Online, American Express, Bank of America, Citigroup, Visa International, PayPal and Yahoo. The companies will work with organisations around the world, including Child Focus, the European Federation for Missing and Sexually Exploited Children and the International Association of Internet Hotlines.

Seniors beware - life insurance scams.

2006-03-18T07:18:00.000-08:00

Some seniors are trusting people. Even if you're over the age of 65 it's still important to check out companies and investments, life insurance policies etc, even though sometimes it's hard to read through long and drawn out contracts, terms of service etc. "Risky viatical settlements (interests in the life insurance policies of supposedly terminally ill people)". It amazes me that people would take advantage of a situation where a person, or their loved one is terminally ill. When someone is terminally ill, this is a time of terrible stress when a person would like nothing more than just a little relief from the whole thing. A person would be VERY motivated to find financial solutions or try to resolve their financial situation if they were terminally ill. Somebody in this delicate situation would be probably really susceptible to an outsider trying to help. It's good to get the word out about life insurance scams and viatical settlement scams etc. If you know of a loved one who is terminally ill, you may want to ask them about if they've had any experience with somebody trying to sell them something , or get them to cash in their life insurance policy etc. I'm going to do a little more research on this subject. Life insurance scams for seniors

State securities regulators release an annual list of the top 10 investment scams they are combating. New to the 2001 list are risky payphone and ATM investments, often sold by independent life insurance agents, and so-called "callable" certificates of deposit sold to older Americans despite their 10- to 20-year maturities. Securities fraud costs Americans billions of dollars each year, state securities regulators estimate. While the new list of scams includes repeat offenders, such as broadly marketed promissory notes, bogus prime bank schemes and risky viatical settlements (interests in the life insurance policies of supposedly terminally ill people), the people selling them are moving out of the boiler room and onto Main Street.

News and life insurance discussion on
READ MORE

Life Insurance U.S. vs Life Insurance Canada differences

2006-03-17T06:15:00.000-08:00

We get visitors on this site from all over the U.S. and Canada. We can help out with life insurance quotes for both Americans and Canadians. This is because we work with agents in both the U.S. and Canada. Our job is to put you in touch with licensed and qualified life insurance agents in your area. If you're curious about the costs of life insurance and want to compare services, sign up on our quote form and we'll put you in touch with somebody in your area. Our job is life insurance in the U.S. and Canada.
READ MORE

Gordon Life Insurance Scam Update

2006-03-17T05:51:00.000-08:00

It just goes to show you the different in reporting. One article mentioned that it was Josaphine Gordon, wife of Harry Gordon who was scamming the life insurance companies for $3.5 million. In the article below, here name is spelled Josephine and she is the daughter of Harry Gordon, and the life insurance amount is only $3 million. And... these folks are from Australia. It amazes me even more that a business man who is apparently already a millionaire would get his daughter involved in a life insurance scam. It appears from this article that the judge decided to not charge Josephine in this situation. What a convoluted situation. I don't think that it would be worth the money to throw away lives just for millions of dollars or any money for that matter. The purpose of a life insurance policy is to protect loved ones or business partners against the financial problems caused by an income earners death. This seems to have greatly complicated the lives of loved ones. READ ALSO life insurance scam article

Charges against daughter dropped in faked death life insurance scam The daughter of a former Sydney millionaire who faked his own death several years ago has today had all charges against her dropped. Harry Bentley Gordon, 56, has been presumed drowned in a boating accident at Port Stephens, north of Sydney in the New South Wales coast in 2000. But was last year Gordon was charged with staging his own death to collect more than $3 million in life insurance. Last month, he was sentenced to 15 months in jail.

Life Insurance - Faked death scam

2006-03-15T06:40:00.000-08:00

It seems that Harry Gordon and Josaphine Gordon decided they didn't want to be married any more. So... why not kill the husband in a fake boating accident and get $3.5 million out of the deal. It turned out that Harry Gordon "moved" from Australia to New Zealand and got remarried to another woman. They figured, "if we're going to have some turmoil in our lives, why not just get paid for it. $3.5 million worth. Harry Gordon is in jail for 15 months and Josaphine Gordon is facing charges. It's important to remember that the insurance companies are loaded with cash and they like to protect it. They can hire all types of investigators to figure things out if there's a fraud involved.

CHARGES have been withdrawn against a woman who was accused of helping her father fake his death as part of a $3.5 million life insurance scam. Josaphine Gordon, 30, was facing charges of obtaining money by deception, conspiracy to commit an offence and making a false statement in relation to her father Harry Bentley Gordon's life insurance fraud. Ms Gordon was to appear in Raymond Terrace Local Court today but the NSW Director of Public Prosecutions (DPP) withdrew all three charges against her.

The Life Insurance Industry - internet marketing

2006-02-14T17:43:00.001-08:00

It occured to me today while I was studying up on who's saying what with regards to life insurance in Canada and the U.S. that the blog spammers are crowding out the serious bloggers.

Life Insurance is obviously really big business. There is a huge amount of competition for website marketers to get people on to their sites and sell them life insurance.

THE QUESTION IS: I wonder how much the life insurance carriers know about how spam works in their marketing. I wonder if the life insurance companies talk about and factor in how internet marketing works for them.

Some of the most aggressive blackhat marketers are doing life insurance lead generation for agents all over the U.S and Canada. I'm sure the life insurance carriers are not going to frown on such marketing activities because they're pretty well insulated from it. ie.. the leads go to the agents who sell the life insurance and then do the transaction through the life insurance carrier.

I'm sure that if the black hat spammers stopped marketing the life insurance companies might notice a different in their sales. It's something that I'm trying to think about.

While I'm not against spam, it certainly is annoying because it crowds out the serious bloggers and website developers.

by monty loree - Term Life Insurance -

Blog Spam - Life Insurance Canada

2006-02-14T10:26:00.000-08:00

The life insurance canada industry on the internet must be pretty competitive
as this morning I've noticed that many of the competitive websites are doing things such as blog spamming, referral spamming etc.

The life insurance quote websites are creating links back to themselves by creating 1 page - spammy sites with jibberish content.

So, when I went to see who is writing about life insurance in Canada, I noticed that most of the blogs are all spam blogs with spam comments etc. Hilarious.

I guess that's how you win the blogging wars is by spamming.
Search in blogger for "life insurance" Canada check it out.

So do I join them. Should I start spamming like crazy. These guys are making huge money by spamming. So if money=spamming I guess I should start.

Thoughts?

By Monty Loree - Term Life Insurance Canada- Term Life Insurance Canada

insurance-canada.ca blog spamming?

2006-02-14T07:11:00.000-08:00

I was doing some searching on blogger to see who is writing about life insurance in Canada . I noticed that insurance-canada.ca is listed on this spam blog.

insurance-canada.ca spam blog

It just goes to show that sometimes even the reputable sites get into a little spam blogging.

by Monty Loree - Term Life Insurance -

For term life insurance quotes in Canada please visit:
Term Life Insurance Canada

Fw: From Robert Neil Clark - identity victim - Section #1

2006-01-14T11:28:00.000-08:00

Robert Neil Clark -vs- Equifax Canada and The Bank of Nova Scotia

#1 - Statement of Case - complete

#2 - Questions 10/90-01/94 - complete

#3 - Questions from 01/94 to 11/98 - complete

#4 - Questions from 09/00 to present - almost complete

#5 - 178 known Errors on 19 reports how many unknown errors on 30 more reports - complete

#6 - Financial Losses - complete

#7 - Case studies, public support documents, other supportive evidence, etc. - still gathering

#8 - Closing Arguments - still in rough draft. It will be complete A.S.A.P.

SECTION #1

Case No. 01-CV-211325

Appeal Court File No. C42139

Court of Appeal for Ontario

1. STATEMENT OF CASE

1(a) This is an extraordinary case and difficult to condense into 30 pages, given the complexities of putting events in a chronological timeframe; (i) pinpointing when �credit report (�errors�)� first attached themselves to Robert Neil Clark�s (�RNC�) credit report; (ii) discovering that these errors existed in the first place (with much embarrassment and being, unknowingly, a victim of identity theft); (iii) informing or hearing from various banks, lending institutions, financial corporations, credit card issuers and credit reporting agency (�CRA�) of these errors; (iv) trying to get someone in authority at The Bank of Nova Scotia (�BNS�) and Equifax Canada Inc. (�EFX�) to acknowledge that the errors were due to their negligence; (v) engaging with the unprepared and inadequate legal counsel Enio Zeppieri (�ENIO�) and Zeppieri & Associates (�ZEP�); (vi) trying to get BNS and EFX to take full responsibility in make all necessary corrections to RNC�s credit report; (vii) removing all discriminating �red flags� that signal a �bad� credit risk to loan officers, etc.; (viii) getting BNS and EFX to offer their sincere apologies to RNC, his wife, Roxane Odette Brunet-Clark (�ROC�) (and their family, Erika, age 11, and Melissa, age 10), for the pain and suffering caused to them; (viv) getting BNS and EFX to offer their sincere apologies to all financial institutions displaying BNS�s and EFX�s false and discriminating credit report information on RNC. (x) and finally, getting BNS and EFX to make restitution to RNC for the past 12 years that his life had been profoundly and severely affected by this case. RNC pleaded for seven years to have the corrections completed before he was forced to the justice system.

To conclude 1(a), the credit report errors have repeated themselves over and over again. With many years of the faulty credit reporting a �beginning� date for these errors has not defined. No conclusive facts have been determined as to which of the Defendants initially created the errors. How did �some� of Robert James Clark�s (�RJC�) �bad� credit reporting get attached as errors to RNC�s credit reporting history (which happened �sometime� before RNC�s first printed record of investigation 12 years ago in Jan. 1994) (and the compounding of said errors in RNC�s credit reporting history). The errors have, unfortunately, invaded RNC�s past, present and future (with all the privacy issues implicated). It is necessary to bring to light the facts of BNS�s and EFX�s entire credit reporting history as it relates to BNS, EFX, RJC and RNC.

1(b) This case involves �identity theft�. The identity theft was created by BNS and/or EFX after their first investigations in 1994, if not earlier as discussed later in this factum, and unknown to RNC at this time, was EFX�s communication(s) with BNS. These two �trusted� financial corporations failed in their several investigations throughout the years to clear RNC from any of BNS�s or EFX�s errors (severally or combined) and in failing to do so, the errors compounded and impacted RNC�s life dramatically: (being denied loans for personal or business ventures, stealing RNC�s identity, invading RNC�s privacy, causing great personal embarrassment to RNC, ROC and family, causing financial hardship (i.e. loss of past, present and �potential� future income), and resulting loss of health and lifestyle over the lengthy passage of time. Including financial losses this created onto RNC�s former business partners.

1(c) This case is a trail of �evasive answers, untruths and cover-ups�. EFX did not admit to any of their past investigations. For almost five years, RNC asked EFX, �Who was making these errors?� EFX would not tell RNC anything. RNC accidentally found out �the truth� about BNS�s involvement in Nov. 1998 - a full 58 months after the first EFX investigation. RNC contacted BNS for the first time in Nov. 1998 thinking that the errors would finally be corrected - �once and for all�. BNS has not admitted to the poor way that they conducted the handling of the several delinquent loans of RJC, and over the past 12 years, they have applied numerous �bad� credit ratings to RNC�s credit reporting history and as a result, perpetuated and compounded the errors throughout the many years.

1(d) This case involves a �conspiracy� between BNS and EFX. EFX has not talked about or released or submitted any documentation as evidence with regards to the two investigations started by RNC�s first two complaints: 1994 SPECL 481AA488 CONSUMER INTERVIEW; and 1995 SPECL 481AA96 CONSUMER INTERVIEW, respectively. EFX is hiding �the truth� because they will not release the requested evidence. Is there not a law protecting the courts from corporations that attempt �to break or bend� the law to suit their own needs - �Contempt of Court�, perhaps? RNC�s credit report complaints follow the same timeline as RJC�s �bad� credit ratings and the soon-to-follow �bad� credit reporting history that will �most likely� be submitted as evidence by BNS. Throughout the discoveries, BNS accused EFX �for taking the �bad� credit reporting history information from BNS� and �for recording the �bad� credit ratings on RNC�s credit report�. Throughout these discoveries, EFX accused BNS of �feeding the �bad� credit reporting to EFX� and �the errors would be all BNS�s responsibility�. RNC�s credit reporting history had more errors in it than RJC had BNS �bad� credit ratings due to compounding �bad� credit errors. EFX put their own �bad� credit rating on RNC�s credit report in a worse reporting spot than BNS did - so that �red flags� automatically went up each and every time that RNC�s credit reporting history was pulled (i.e. when RNC applied for a loan or a credit card). EFX applied a fee of $106.73 as a �bad� debt from collections to RNC�s credit report in the Public Records section in Aug. 1996, and in Nov. 24, 1998 and in Nov. 13, 2000 (and who knows on what other credit reports between these dates without the missing requested credit reports as evidence to prove otherwise). These debts belonged to RJC and not RNC. EFX made credit reporting errors even after contact with the rightful owner of the �bad� debts, RJC (there was a second display of a �bad� debt for $135.00 for Gravenhurst Cable on the same day as EFX�s inaccurate recording of the $106.73 debt belonging to RJC that EFX placed on RNC�s credit report). This led RNC to believe that EFX knew a lot more then they were willing to share. EFX must have more records on the [R9�s] in their possession from the various collection agencies and Public Records involved. After all, credit rating agencies are supposed to be accurate �reporting authorities� and meticulous �record keepers� so that financial corporations may rely on them whenever they need to access people�s credit reporting histories. Each time a person�s credit reporting history is checked by a bank, financial institution, credit card company, a new �item� is added. This has severely affected RNC�s life and his ability to earn a living. RNC simply cannot apply for a business or personal loan without retelling his entire credit reporting history and explaining about all the errors that appear on it.

1(e) There seems to be �collusion� between the defendants, BNS and EFX. Both have hidden the facts of their many mistakes in making and displaying the errors. They belittled RNC�s claims: (i) that they make the necessary corrections to all the errors that they�ve created; (ii) that RNC�s credit reporting history be �sponged clean� with no �red flags� popping up; and (iii) that they make compensation to RNC for pain and suffering and for loss of income, time and costs spent in bringing this case to court. They blamed RNC for bringing this claim to court when RNC was simply looking for �the truth� and was forced to get justice to seek �the truth�. BNS and EFX even blamed RNC for having �common� first and last name - going so far as to suggest twice, that RNC change his name! BNS and EFX blamed RNC for past and present personal finances. And when none of that worked, BNS and EFX blamed each other instead themselves - for all the years their mistakes kept the errors re-occurring on RNC�s credit reporting history. When RNC took this case to Enio Zeppieri (�ENIO�) in Jan. 2001, RNC decided that it would be �best to take both Defendants through the same court because it would be the only way to get BNS and EFX to tell the whole truth and nothing but the truth�. BNS and EFX should have been very upset with each other from �day one� of the re-occurring and compounding errors. RNC expected to win his case. RNC won! However, RNC was not awarded costs from the two Defendants. RNC was unable to clearly tell about the disruption to his life that both BNS and EFX caused by their faulty credit reporting on RNC�s credit reporting history. This was not allowed to happen as the Defendants� lawyers walked into court �arm-in-arm�. The Honourable Justice Day (�Learned Judge�) asked, �if the Defendants were adversarial?� but the Defendants replied, �that they were not�. RNC was completely shocked at this turn of events. RNC expected a whole lot different. RNC expected to see the Defendants� lawyers engage in the �professional mudslinging� as had been displayed during the discoveries (blaming each other for the errors). There was collusion, no doubt!

2. SUMMARY OF FACTS

2(a) There is much evidence that has not been submitted, incorrectly submitted and/or purposely omitted by the Defendants and their lawyers. The lawyers for the defence were Martin Sclisizzi for BNS and Stephen Schwartz for EFX. ENIO (and ZEP) was the former lawyer (and law office) for the Plaintiff. RNC questions the validity of verdict regarding the decision and costs that were rendered, as there were so many errors, untruths and omissions. It seemed that Learned Judge did not know who or what EFX was, nor what an important role EFX plays in people�s financial lives, in most business ventures and in the granting of credit in the lending industry. Even after an explanation about EFX by the Defendants� lawyers, Learned Judge was left with a �puzzled look on his face�. This puzzled look grew more common as the trial moved forward (while Learned Judge became completely confused and blindsided by the Defendants� misleading positions, the lack of evidence submitted supporting �the truths� of BNS�s and EFX credit reporting accuracies and their �twists and turns� away from their explanations, followed by their attacks on the Plaintiff�s lifestyle.

2(b) Several times throughout the five-day trial, Learned Judge stated that he was "suffering from a senior's moment". This made RNC and ROC quite nervous, as RNC now had absolutely no confidence left in the court�s ability to listen to, and comprehend, all the facts and be able to see through the Defendants� evasive tactics. RNC was shocked on how the evidence was �loosely� presented and/or �omitted� from questioning in court by all the parties� lawyers. Learned Judge had no chance to complete a fair investigation that would accurately portray a full grasp of the discrimination and defamation of character created by the errors on RNC�s credit report. Learned Judge would not be able to determine �how and when� the errors kept repeating their existence on RNC�s credit report; why they were not being corrected (from the multiple faulty investigations) throughout the lengthy segmented timeline. RNC was not allowed to state his case fully. RNC thought justice would eventually prevail �seeing through Defensive fog�.

2(c) Learned Judge failed to see through the defendant�s �smoke screen� of lies, evasions, collusion, conspiracy and cover-up that hid �the truth� of EFX�s 1994 and 1995 �so-called� investigations and their failure to correct all the errors accordingly, and with their communications with a Royal Bank of Canada (�RBC�) employee. A third episode began with EFX�s 1996 investigation and correction �failure�, and with their communication with a Canadian Imperial Bank of Commerce (�CIBC�) employee. A fourth episode started in 1998 with the discovery of more errors by a Canada Trust (�CT�) employee. RNC begged this CT employee to see the computer screen, which displayed the sources of the errors because neither EFX, RBC nor CIBC would give RNC any information about the errors. In the office of CT, RNC communicated with EFX about the ongoing errors and EFX promised RNC that they would fix the errors immediately. RNC told EFX that BNS was the now known suspect of creating the errors and the major source of RNC�s credit reporting history errors. On Jan. 12, 1999, EFX communicated with BNS and investigated RNC�s claim of errors but apparently they were faulty in their investigation(s) and they disagreed with RNC�s plea of innocence, once again. How could RNC protect himself without EFX�s corrections and without their acknowledgement that there were errors to be corrected and that they were the displayer of these errors? This also includes the credit reporting error EFX made themselves on RNC�s Public Records.

2(d) RNC hoped to believe that the Defendants' years of conspiracy had not �conscripted the Learned Judge in this litigation in any way� because this verdict was based on inaccurate and incomplete testimonies by BNS and EFX. And, if it did not, then RNC would have to allude to the fact that Learned Judge was incompetent with his �senior moments� and his total lack of understanding of what had transpired during the past 10 years of RNC�s credit reporting history and the repeated identity theft of RNC�s identity and defamation of character that RNC had suffered at the hands of BNS and EFX. RNC waited three years for a trial (Dec. 2000 - Dec. 2003); then six months for a verdict (Jun. 2003); then three months to have a meeting on costs (Oct. 2003 - which RNC was not allowed to attend); and another six plus months for the verdict on the aforementioned costs (Apr. 2004). Learned Judge belittled this whole situation and referred to everything as just "an error and lack of duty to correct the error" instead of deciding that there were other issues to consider such as �multiple compounding errors, invasion of privacy, defamation of character, discrimination, untruths, conspiracy, cover-ups and collusion by both BNS and EFX. Learned Judge had no idea how important this case would become (i.e. Bill No. 38 - An Act to amend the Consumer Reporting Act) and how it can now be used as precedent for many cases involving �common� ordinary consumers with similar credit reporting errors. Learned Judge seemingly belittled the seriousness of RNC�s case as a punishment for RNC taking this matter to court and �wasting� the court�s time. RNC questions the cost decision as delivered by Learned Judge. RNC won his case, a case for which RNC spent 12 years of his life endeavouring to get his credit reporting history corrected but there are still errors showing up on his credit report to this day. RNC is a victim and has sought relief in the court and in turning to the justice system. RNC could not accept any settlement less then half of the known legal costs, so far!

2(e)(i) RNC has made several claims against RNC�s ex-counsel (and law office), ENIO (and ZEP). RNC felt totally betrayed and completely let down by the efforts and/or lack of efforts of RNC�s legal team of representatives. RNC felt that ENIO and ZEP did not treat RNC, ROC, the case, the legal system or Learned Judge with the respect deserved. RNC felt that he had been so badly misrepresented and mistreated by ENIO and ZEP that it has distorted the whole case and this has been unfair to RNC to properly piece together all the timelines and evidence in order to display the multiple compounding errors (and to show defamation of character, discrimination, untruths, conspiracy, cover-up and collusion) and also the withholding of investigations and evidence from the court, etc. RNC faced many roadblocks throughout the 12+ years, now RNC is including, ENIO and ZEP for doing very little investigations of the facts in order to gain any supportive evidence that would have been needed or available to them. ENIO did not pay attention to most of the facts of evidence that were discovered. Therefore, BNS and EFX escaped paying for their mistakes and their committing identity theft. In addition, Learned Judge was not fully apprised of the entire case history nor did he seem to know how it had affected and impacted RNC�s life and the lives ROC and their family. ENIO and ZEP did more harm then good to RNC.

2(e)(ii) ENIO lied to RNC from the first meeting. [Lie #1] ENIO said, "I will take on your case - pro-bono - but, I would need a few thousand dollars to pay for disbursements, so that they do not come directly out of my pocket!" RNC thought that sounded fair and as it was all that RNC could afford to pay, RNC paid ENIO and ZEP $5,998.92 from May 23, 2001 to Jun. 7, 2002 (for any costs that might already be incurred). [Lie #2] ENIO told RNC that he �would take on this case personally because of the depth and scope of the case - and to keep the costs down�. [Lie #3] ENIO agreed to file the claim immediately. ENIO then stalled, filing the claim until five months later. To quote ENIO, �I am waiting for the results of another court case�. As it turned out, ENIO completed RNC�s claim on May 23, 2001 which happened to coincide with the first payment asked by and given to ENIO and ZEP by RNC. ENIO was only waiting for RNC�s money and not �for the other claim� as ENIO had kept telling RNC. [Lie #4] ENIO told RNC that RNC �could not have a jury in a civil case�. RNC found out that civil cases could have a jury in special circumstances. RNC believed that this case was one of those special circumstances from the start of the re-occurring erroneous credit reporting history (which involved many details and a lengthy timeline regarding the Defendants� involvement). RNC was being told �lie after lie� by ENIO from the very beginning. [Lies #5, Fraud and Theft] By Mar. 2002, EFX would not release RNC�s credit report for display for The Toronto Dominion Bank (�TD�) nor would they give a copy to RNC (as per a letter received from Adrianna Moukas of EFX). Because RNC could not get his credit report, RNC pleaded for help from ENIO, but it took ENIO almost five more months before ENIO set up RNC�s and ROC�s second mortgage. RNC supplied a list of creditors and ENIO agreed to pay off the $24,000.00 outstanding that RNC had in debts - that would leave ENIO $2,000.00 to go towards his costs. On Aug. 12, 2002, ENIO fraudulently �misdirected, misappropriated and stole� (�theft�) all of the $26,000.00 from the 2^nd mortgage monies that were directed to go to RNC�s other creditors, and gave RNC and ROC nothing to use to pay their debts as planned. Both RNC and ROC argued for a week with Theresa Morris and Rose Serino (ZEP) and finally with ENIO about the theft of the funds. ENIO decided to return only $5,000.00 to RNC, and stated to RNC "take this money and pay off your creditors". At this point in time, RNC was forced to accept anything that was offered in order to satisfy his outstanding debts (even though this amount of money was only approximately 20% of the outstanding debts that had been agreed upon and would be paid off). RNC felt financially like �a hostage� with that first $6,000.00 paid to ENIO. RNC could not afford another $21,000.00 on top of that, so RNC decided to �bite his tongue�, stayed quiet about the theft of the funds and kept ENIO on the case as his legal counsel (as he could not afford to retain another legal counsel) even though RNC�s faith in ENIO was completely gone. RNC did not trust ENIO at all. ENIO never called any of the witnesses from BNS or EFX that RNC thought would be crucial to this case and/or to the timeline of errors (i.e., RJC, Cheryl Clark, the branch manager who signed on Oct. 18, 1993, W.M. Hovey and many more witnesses�) ENIO made very little attempt, if any, at making requests or subpoenas for retaining crucial evidence and/or supporting evidence from the Defendants and/or from any necessary witnesses to complete the timeline and to gather all �the truth� about BNS�s and EFX�s repetitive �identity theft� of RNC. RNC investigated and gathered most of the evidence on his own. RNC had to request several times for all records of RNC�s financial history from The Royal Bank of Canada (�RBC�) and the Canadian Imperial Bank of Commerce (�CIBC�). Each time, having to explain RNC�s entire credit reporting history and errors and the reasons that RNC needed the information as evidence in an attempt to correct the errors. Both banks (as indicated above) repeatedly ignored RNC�s many requests. RNC told ENIO several times about the lack of co-operation by the banks but ENIO did nothing to obtain their records to use on behalf of his client, RNC. RNC never received anything (to this day) because the banks did not want to get involved (anymore than they already were). [Lie #6] On Jul. 30, 2004, RNC and ROC received a consent form and claim against RNC and ROC. RNC telephoned ZEP immediately and demanded to speak to ENIO to question why there was a claim against RNC and ROC. ENIO would not speak to RNC or ROC. Rose Serino (ZEP) only wanted to schedule a meeting for any communication with ENIO. RNC and ROC did not want to go to any more costly meetings and to listen to any more of ENIO�s lies, so RNC and ROC argued with Rose Serino on several occasions (ongoing for about two weeks) before RNC and ROC finally �caved in� and scheduled a meeting with ENIO. On Aug. 22, 2004, RNC and ROC had that meeting with ENIO. ENIO �conned/tricked� RNC and ROC into signing the consent form for a judgment. ENIO told RNC and ROC that ENIO would hand in this judgment and consent form to Learned Judge on Oct. 14, 2004 at a scheduled meeting to be held on costs. ENIO also told RNC and ROC that �ROC should sign the documents so that just in case something happened to RNC, ROC would still be entitled to any costs awarded by Learned Judge�. ENIO told RNC and ROC that this was his �plan� to show Learned Judge that if RNC did not win anything for legal costs, then ENIO would file a $40,631.00 claim against RNC. ROC only attended the meetings with her husband, RNC, because RNC could not trust ENIO or ZEP due to his past dealings with ENIO and ZEP. [Lies #7, Fraud] The next day, Aug. 23, 2004, ENIO (or a ZEP associate), filed the $40,631.00 claim and a consent for judgment. This was done without RNC�s knowledge - and this was not according to the �plan� as had been stated previously to RNC and ROC at the meeting with ENIO the day before. RNC and ROC did not know that ENIO would keep on lying to RNC and ROC, even after they caught ENIO lying and the theft of their 2^nd mortgage funds and RNC�s and ROC�s creditors monies. Throughout the period RNC retained ENIO and ZEP, RNC made sure that ENIO (done usually through conversations with Rose Serino (ZEP)) was quite aware of how unhappy RNC was with ENIO and ZEP � especially since the �Pearl Rombis (ZEP) discoveries disaster� - and subsequently, by the theft of RNC�s and ROC�s 2^nd mortgage funds.

2(e)(iii)(a) After being passed �back and forth�, RNC insisted that Pearl Rombis (ZEP) take all the documents regarding RNC�s loss of business and the loss of a new business venture with RNC�s business partners. These documents contained evidence of these two businesses: �RnR-Online.com� and �ProlineSportsbook.com�, the activities of both businesses, the documents from the new business and the financial records of the original business RnR-Online.com (showing the previous two years of earnings for 1999 and 2000, the past three years of losses and the projected potential losses of the business and RNC�s personal income for those years and still counting). (b) RNC could not figure out why it was such a challenge to submit any documents to ENIO and/or ZEP. A few weeks later, RNC received the same bundle of documents back with a yellow sticky note asking, [FIC]�is this relevent?� RNC was confused by ENIO and ZEP and RNC felt like ENIO and ZEP did not care about anything that RNC had to say with regards to his financial history. RNC always left the office of ZEP extremely upset and frustrated about the lack of concern for �any of RNC�s facts�. (c) RNC claims that Pearl Rombis (ZEP) made several crucial mistakes during her sudden unprepared appearance (replacing ENIO?) on behalf of RNC�s litigation on Mar. 15, 2002. Pearl Rombis (ZEP) was suddenly fired/let go by ENIO, shortly after making these mistakes, �suspectedly� for her behaviour and for her poor conduct during the discoveries held on Jun. 3, 4 and 10, 2002. Pearl Rombis (ZEP) was gone without notice given to RNC (sometime after Jul. 2, 2002). Pearl Rombis (ZEP) asked very few questions from RNC�s list of questions to ask at the discoveries. (d) Pearl Rombis (ZEP) allowed Martin Sclisizzi (BNS) and Stephen Schwartz (EFX) to trick RNC and thereby gained six extra days to prepare (before the originally non-scheduled Day 3 of the discoveries). Pearl Rombis (ZEP) allowed Martin Sclisizzi (BNS) to restart with more questions on Day 3 of Discovery (Martin Sclisizzi (BNS) said, �Mrs. Rombis did not officially close my end of the discovery�). Even though, at 4:25 p.m., Martin Sclisizzi (BNS) claimed that he would be finished by 5 p.m. on Day 2 of Discoveries and that Stephen Schwartz (EFX) would start Day 3 of Discoveries. Martin Sclisizzi (BNS) finished at 5:10 p.m., and therefore, Martin Sclisizzi (BNS) should have been done - and Pearl Rombis (ZEP) should have ended Martin Sclisizzi�s (BNS) discovery right then as RNC thought he was done. (e) It seemed that now Pearl Rombis (ZEP) had become the brunt of (ZEP)�s jokes and comments. RNC did not expect to see and hear that sort of behaviour from RNC�s counsel (ZEP) or, in fact, from any legal associate or law office staff member.

2(e)(iv) Avril Hasselfeild (ZEP) took over the case from Pearl Rombis (ZEP) on or just before Dec. 2, 2002. RNC never was given a choice of legal representation from (ZEP), it was always ENIO�s decision who he appointed, besides himself, to take over this case. Avril Hasselfeild was let go from RNC�s case seven months later (about Jun. 2, 2003) (shortly before the pre-trial on Oct. 17, 2003). This was the second (ZEP) lawyer to have taken over RNC�s case, when originally ENIO had stated that, �he would look after the case himself to keep costs to a minimum� (another of ENIO�s many lies to RNC).

2(e)(v) On Oct. 17, 2003, the day of pre-trial, RNC was introduced to a third lawyer, Lora Olsthoorn (ZEP). RNC was told that Lora Olsthoorn (ZEP) would be taking over from Avril Hasselfeild (ZEP) and would be attending to RNC�s case throughout the court proceedings. RNC and ROC only had two or three meetings with Lora Olsthoorn (ZEP) leading up to the trial (that was to be held during the week of Dec. 15 to 19, 2003). In the morning of the first day of trial, Lora Olsthoorn (ZEP) telephoned RNC and stated that she �was sick� and that she �would not be able to attend the trial today�. Lora Olsthoorn (ZEP) also stated that she �would be at court to continue on Tuesday�. Lora Olsthoorn (ZEP) never showed up on that Tuesday, or any of the days of trial, and RNC has not seen or heard from Lora Olsthoorn (ZEP) since (another lie of the many told to RNC by ENIO, ZEP and Lora Olsthoorn (ZEP)).

2(e)(vi) On Dec. 15, 2003, upon arrival at the courthouse for the first day of trial, RNC was introduced to Gregory Gryguc (ZEP), the fourth ZEP lawyer to represent RNC. RNC was told by ENIO that �Gregory Gryguc (ZEP) would be filling in for the day for the sickened Lora Olsthoorn�. (ZEP) RNC had only ever seen Gregory Gryguc (ZEP) once - very briefly - in ENIO's office (way back at the very first meeting in Jan. 2001). RNC had no desire to have an �unprepared� lawyer represent RNC and once again RNC was extremely let down, lied to and very disappointed in ENIO and ZEP for the �juggling of lawyers� throughout RNC�s case. RNC was never given a fair chance to have proper legal counsel or to be represented entirely and consistently by ENIO (and RNC never got to discuss the case history in its entirety with just one lawyer). This confusion ultimately destroyed RNC�s faith in obtaining the justice he was seeking. RNC had wished that he never retained ENIO and ZEP and regrets not taking losses and firing ZEP earlier.

2(e)(vii) RNC adds Rose Serino (ZEP) to the case, for her participation, for her improper conduct towards a client RNC (and ROC), for her many lies and evasions and for her not wanting to reveal the submitted legal costs to RNC (also, for her playing �stupid� when ZEP received the cost decision) and for her constant �deflections� of communications urgently needed by RNC and/or ROC during crucial periods of time. These conversations usually ended up with requests to speak to ENIO immediately but RNC was usually told that ENIO �would call RNC back�. ENIO usually never did. Rose Serino (ZEP) has told this particular untruth many times. RNC told Rose Serino (ZEP) to stop lying to RNC when she said that ENIO would call RNC back. Rose Serino (ZEP) was caught lying several times, therefore, Rose Serino (ZEP) demonstrates herself to be totally untrustworthy and very unprofessional.

2(e)(viii) Lastly, RNC adds Theresa ? (ZEP) to the case for conspiring with ENIO�s in the theft of RNC�s $26,000.00 (second mortgage money / funds to pay off debts). The �plan� which was written, submitted and agreed upon by ENIO and RNC was that $24,000.00 would go to pay off RNC�s outstanding debts and that $2,000.00 would go to ZEP to pay for costs. On Aug. 12, 2002, ENIO decided to take all of the $26,000.00 and gave RNC nothing for RNC�s outstanding debts. Both RNC and ROC argued for a week with Theresa ? (ZEP), Rose Serino (ZEP) and, finally, with ENIO about the theft of the 2^nd mortgage funds. RNC told Rose Serino (ZEP) that RNC considered this to be �downright theft� and that ENIO was going against his words of �taking this case on a pro bono basis� and �only needing a few thousand dollars for disbursements/costs� as stated in RNC�s first meeting with ENIO. RNC had no way to fire ENIO and ZEP without losing the entire $27,000.00 paid to ENIO and ZEP and the $26,000.00 second mortgage balance for a total of $53,000.00. RNC could not afford another lawyer. It seemed that RNC had to take whatever ENIO dished out next. Theresa ? (ZEP) knew the theft of funds was wrong and that it was not the agreed upon �plan of the financing of the second mortgage�, therefore, Theresa ? (ZEP) also acted very unprofessionally under the dictatorship of ENIO.

2(f) The key to this Factum lies in the many unanswered questions regarding the entire credit reporting history of RNC and RJC and others with credit reporting errors. RNC has many unanswered questions that should have been answered by the Defendants� documentation from their �so-called� investigations. The questions come mostly from the submitted evidence but most of the questions were omitted or never asked by RNC�s former lawyer ENIO. RNC has since discovered more questions while examining both ends of the �ever-growing timeline�. All of the questions need answers to fully complete the �timeline of credit reporting history� of the errors that have repeatedly travelled on and off RNC�s credit report. The answers will allow Learned Judge comprehend the whole story as it relates to corresponding submitted evidence, verbal (�hear-say�) evidence, non-retained evidence and/or non-submitted evidence. With this investigation, Learned Judge should have been able to see through the Defendants� �smoke screen� of untruths, evasive answers, excuses and no comments on the past investigations: (1) 1994 with EFX and RBC; (2) 1995 with EFX and RBC; (3) 1996 with EFX and CIBC; (4) 1998 with BNS, EFX, CT and CIBC; and finally, (5) in 2000 with the BNS, EFX, the BNS Ombudsman William Bailey, CIBC and Ministry of Consumer and Commercial Relations (�MCCR�). A thorough investigation is needed to fully understand the details of RNC�s past credit reporting history problems. An examination of every date listed below is needed to be able to discover: (1) When exactly did these �bad� credit ratings first attach themselves to RNC�s credit report? (2) How many different �bad� credit ratings were attached to RNC�s credit report? (3) How many times did each �bad� credit rating appear on RNC�s credit report? (4) Why did the �bad� credit ratings re-appear after their �so-called� correction? (5) Why has obtaining the evidence to seek �the truth� from BNS, EFX, RBC and CIBC been so difficult? RNC claims, �it�s a conspiracy to hide �the truth� of their conduct, severely and jointly�. A �conspiracy� followed by �collusion� among the Defendants to not tell the entire story behind BNS�s and EFX�s involvement since the first �bad� credit rating created by RJC and that somehow attached itself to RNC�s credit report. The evidence dates RJC�s payment delinquencies to RJC�s original BNS loan opened in Jan. 1991. RJC�s BNS loan payments became delinquent and were eventually abandoned, until RJC�s BNS loan was transferred to another BNS branch and re-opened in Feb. 1993. Atleast since then, some of RJC�s �bad� credit ratings seemed to �disappear and re-appear� on RNC�s credit report. RNC claims that his credit report has been affected by RJC�s �bad� credit ratings many times, even before RNC�s first complaint with EFX. RNC was told that he had �bad� credit once or twice before but RNC never complained until Jan. 1994 when a RBC loan officer said to RNC, �you should correct this problem before it comes back to haunt you�. Therefore, RNC tried to fix the errors with his first complaint to EFX about the errors on RNC�s credit report. Now, more then 12 years later RNC is still trying to rectify this problem and clear RNC�s name from all past errors displayed to all financial lending industry involved in this case in any way. RNC�s begs the court�s indulgence and asks the Court of Appeals for Ontario for its help in protecting and preventing RNC and family from anymore of BNS�s and EFX�s harmful errors, mistakes, lies, evasions, collusion, conspiracy and cover-up of all the facts.

[Note: This Factum will next show dates and facts and be followed by questions for the Defendants, etc.] � [SECTION #2]

News articles about life insurance

2005-09-04T12:38:00.000-07:00

Life Insurance plans to give ULIPs the miss
Business Standard - India
Barely six months after joining the unit-linked insurance product (ULIP) bandwagon, insurance behemoth Life Insurance Corporation of India (LIC) finds itself ...
See all stories on this topic

Allmerica exits life insurance biz
MarketWatch - USA
Allmerica said it agreed to sell its variable life insurance and annuity business, Allmerica Financial Life Insurance and Annuity Company (AFLIAC), to ...
See all stories on this topic

Canadian Life Insurance Discussion

Goldman Sachs to Acquire Allmerica's Variable Life Insurance and ...
Business Wire (press release) - San Francisco,CA,USA
22, 2005--The Goldman Sachs Group, Inc. (NYSE: GS) today announced that it has agreed to acquire the variable life insurance and variable annuity business of ...
See all stories on this topic

Japan insurance firms look to India, China
Asia Times Online - Kowloon,Hong Kong
TOKYO - In search of higher returns, Japanese life and non-life insurance companies are planning to significantly expand their stock investments in China ...
See all stories on this topic

Underwrite life insurance premiums for Guardsmen
Sun-Gazette - Williamsport,PA,USA
There is legislation on the table in Harrisburg that would have the state underwrite the cost of life insurance for active duty National Guard soldiers and ...
See all stories on this topic

Inviva's Jefferson National Makes Instant-Issue Term Life ...
Business Wire (press release) - San Francisco,CA,USA
Jefferson National Life Insurance Company, a wholly owned subsidiary of Inviva, Inc., continues making its instant-issue term life insurance easier for ...

North American Life Insurance Activity Off 3.9% in July
PR Newswire (press release) - New York,NY,USA
22 /PRNewswire/ -- North American application activity for individually underwritten life insurance declined -3.9% in July, year-over-year, according to the ...

Japanese life and non-life insurance companies are planning to ...
India Daily - Whitehouse Station,NJ,USA
... Taiyo Life Insurance Co. ... Domestic bonds account for roughly half of the securities investments at life and nonlife insurance firms. ...

Pacific Insurance eyes new investors
Xinhua - China
... China Life Insurance Co., Ping An Insurance and China Pacific, however, still dominate in an industry where premiums rose 11.3 percent in 2004 to 431.8 billion ...
See all stories on this topic

Ping an Insurance: First-Half Earnings Up
MSN Money - USA
... Core life insurance business accounted for 83 percent of first half net profit, with the rest coming from a diversified pool of businesses including non-life ...
See all stories on this topic

Life insurance riders: Evaluate your options
Sify - Taramani,Chennai,India
Life insurance products offer a lot of options nowadays. ... Simply put, riders are add-on benefits which can be bought alongwith a life insurance policy. ...

Girls Just Wanna Have... Life Insurance
Useless-Knowledge.com - USA
By Rachel. Ok, so I tell a white lie, not all girls want to have life insurance, but more British women are taking the initiative and insuring themselves. ...

Niche Industry Grows In War-Torn Iraq
Hartford Courant - United States
... Peace is a distant dream, but Jabouri does have one kind of peace of mind: a terrorism life insurance policy. For about $35 a year ...

Election lawsuit expanded to include insurance companies
Houston Chronicle - United States
... added are AT&T Corp., Great-West Life & Annuity Insurance Co., Ace American Insurance Co., Aetna Inc., Connecticut General Life Insurance Co., United ...

Bulgaria life insurance market up 50% in H1
Dnevnik.bg - Bulgaria
Bulgarians are buying more life insurance coverage but sales still lag motor and property insurance in a roughly 1:7 ratio, shows data of Bulgaria's insurance ...
See all stories on this topic

Rendell urges Legislature to act on Guard life insurance
Penn Live - Harrisburg,PA,USA
... The letter was sent one day after The Associated Press reported that bills in the House and Senate to subsidize Guard life insurance were not approved before ...
See all stories on this topic

Australia's AXA Asia Pacific to establish life insurance jv in ...
Forbes - USA
... with Malaysia's Affin Holdings Bhd (AHB), and Tahan Insurance Malaysia Bhd, to establish a joint venture company to purchase the life insurance business of ...
See all stories on this topic

Pentagon Increases Death Gratuity, Life Insurance
Bethesda Journal - MD, USA
... Department announced a significant increase in the death gratuity for the survivors of service members killed in action and group life insurance coverage for ...

Life Insurance Industry To Grow By 20 Pct This Year
Bernama - Kuala Lumpur,Malaysia
KUALA LUMPUR, Aug 18 (Bernama) -- The life insurance industry in the country is expected to grow by 20 percent this year, president of the Malaysian Financial ...

Cancellations of Insurance Policies Surge
Korea Times - South Korea
... In the fiscal year 2004 that ended in March 2005, 23 life insurance companies, including 11 foreign insurers, put the number of cancelled or invalid insurance ...

Ontario Term Life Insurance Quote for Ontario residents, Ontrio, Ont life insurance

2005-06-16T10:22:00.000-07:00

I justed wanted to let Ontario people know that they can get ontario life insurance quotes at our site.
Ontario Term Life Insurance Quote for Ontario residents, Ontrio, Ont life insurance

ABC News: Canada Court Nixes Health Insurance Ban

2005-06-13T21:41:00.000-07:00

Health Insurance is valued in Canada.

ABC News: Canada Court Nixes Health Insurance Ban

Life insurance definitions and facts

2005-06-13T15:25:00.000-07:00

Some life insurance definitions that we've compiled.
Hopefully this will help you to understand some of the technicalities of life insurance

Term Life Insurance definitions
term life insurance quotes in alberta, british columbia and Ontario.
Life Insurance facts and information
Quote in United States and Canada. Get a free life insurance quote today.
Alberta Life Insurance
ontario Life Insurance
British columbia B.C. Life Insurance

Bharti ties up with AXA for life insurance venture
Hindu Business Line - India
... Owen, Group Chief Executive, AXA Asia Pacific Holdings Ltd, after the signing of the joint venture agreement to establish Bharti AXA Life Insurance Company Ltd ...

Life insurance a complicated buy
Ventura County Star (subscription) - Ventura county,CA,USA
Dear Bruce: I am getting life insurance for the first time. I really know nothing about life insurance. Can you please help me? -- Mike, via e-mail. ...

Goldman Sachs sees insurance deal first of many
Reuters - USA
... (GS.N: Quote, Profile, Research) expects that its agreement to buy $11 billion of life insurance and annuity assets from Allmerica Financial Corp. ...
See all stories on this topic

Free agents raise profile in insurance
Asahi Shimbun - Tokyo,Japan
Life insurance sales have long been borne by armies of saleswomen going house-to-house or visiting corporate offices to make their pitches during work breaks. ...

MONEY Magazine: Real estate: The miracle mortgage - May. 13, 2005

2005-05-13T11:45:00.000-07:00

This is a really timely article that I would like people to take notice of.
I saw this coming several months back.

If interest rates start to rise, many people are going to be in real trouble.

MONEY Magazine: Real estate: The miracle mortgage -
May. 13, 2005

Your views of insurance on the internet

2005-05-13T08:37:00.000-07:00

What I would be interested to know is what people actually think about purchasing life insurance on the internet.

1) You like the idea.
2) Does is scare you?
3) Make you uncomfortable?
4) You'd rather deal with an agent in person?
5) You don't care?

Please be candid in your comments.
Tell me if you've got ripped of by an online insurance company.
Tell me if you're really pleased with an online insurance company.

Express Life Insurance Direct
Financial Maturity Blog
Canadian Money Advisor

Life insurance within 10 minutes

2005-05-13T08:33:00.000-07:00

We're excited about our new product.
It allows people to get insurance within 10 minutes. It would actually take 1-2 days while you're talking to the agent.

This just furthers our belief that purchasing life insurance shouldn't be a long drawn out process.

Monty Loree
Express Life Insurance Direct

Instant Approval!
Qualified Applicants can get a

$250,000.00
Life Insurance Policy

... in hand in just 10 minutes!

• Step 1: Get Quote
• Step 2: Answer Questions
• Step 3: You're Done

You have no obligation and absolutely nothing to lose: Every policy comes with a free 30-day money-back guarantee. Get a policy in hand in minutes!

Getting the word out about life insurance

2004-11-19T19:12:00.000-08:00

I just attended Webmaster World in Las Vegas and learned how to develop our websites so that we can better tell our customers and clients how to get a free life insurance quote.

Monty Loree
www.quality-ins.com
Express Life Insurance Direct

Term Life Insurance Quote. Free life insurance rates quote .

2004-11-08T19:34:00.000-08:00

Term Life Insurance Quote. Free life insurance rates quote .

Canadian Life Insurance Quote. Save up to 70% on life insurance.

2004-11-08T19:33:00.001-08:00

It's really important that people protect their financial assets and give their family some long term hope about insurance.

These are some pages that we put up to help people find a term life insurance quote.
I heard a funny / tragic story from a life insurance agent who sold a policy to a family. On the day that the life insurance policy was to be delivered, the insured died. the Insurance company is saying that the policy wasn't properly issued, and thus didn't want to pay it out.

That's cutting it a little close if you ask me. It's all about planning.

Life Insurance British Columbia
Life Insurance Alberta
Life Insurance Saskatchewan
Life Insurance Manitoba
Life Insurance Ontario
Life Insurance Newfoundland
Canadian Life Insurance
BC Life Insurance British Columbia
Life Insurance Alberta
Life Insurance Saskatchewan
Life Insurance Manitoba
Life Insurance Ontario
Life Insurance Newfoundland
Life Insurance New Brunswick
Life Insurance Prince Edward Island
Life Insurance Nova Scotia

Term Life Insurance Quote. Save up to 70% on life insurance.

Canadians
Canada
Manitobans
Saskatchewans
Ontarians
What more can I say about the people who live, eat, breath and love Canada.

Blogger: Tour - Post from anywhere...and more

2004-11-08T19:33:00.000-08:00

Blogger: Tour - Post from anywhere...and more

Talking about life insurance in Canada and US

2004-11-08T19:29:00.000-08:00

I just want to talk about term life insurance.
I am going to make it my life's work to know everything about life insurance from a consumer's stand point, since I am not and never will be a life insurance sales person.

One of the important things to talk about is a cash flow illustration. This is important as it gives a person the knowledge and understanding of how their cash flow might be disrupted if a spouse or child dies.

I love the pipeline illustration that Monty Loree writes about. a pipe line is a great way to illustrate how cash flows.

WATER PIPELINE = HOUSEHOLD CASHFLOW
Fortunately in our society water supply is not a big problem. Most households have plenty of water for their use. We take water supply for granted, as there is such a healthy supply. The pipelines that bring us the water are very important and they are engineered to withstand all of the use and problems that they will encounter over the years.

We're going to use the cash pipeline to illustrate many different aspects of financial planning. Pipelines are like our financial situations, especially when it comes to life insurance. Life insurance is one of the tools to use to reinforce the strength and durability of the cash pipeline.

For people who have pre-existing conditions such as disability and have questions regarding there qualification for life Insurance and Disability insurance the best thing for them to do is to arrange to have the no cost, no obligation medical offered by the life insurance company in order to confirm there premiums and qualification. Something to keep in mind is most pre-existing conditions will not be covered by any new coverage taken out.

YOU'RE INVITED: If you live in any province of Canada, you're invited to discuss things here: Canada, Canadian, British Columbia (B.C.), Alberta (Alta), Saskatchewan (Sask), Manitoba (Man), Ontario (Ont), Quebec, Newfoundland (Nfld), Nova Scotia, Prince Edward Island (P.E.I.) , New Brunswick