Why Do I Need Health Insurance? One common thing that people in their twenties, thirties have told me is...
How to Save Money When Buying Life Insurance So you have decided that it might be time to buy...
Do You Qualify For Permanent Life Insurance?
Russ Smart, , Advisor Voice, Life Insurance Advice, Universal Life Insurance, Whole Life InsuranceDo You Qualify For Permanent Life Insurance? Just because you can afford to purchase something, perhaps it is not...
Canada Term Life Insurance Comparison
Russ Smart, , Advisor Voice, Buying Insurance Online, Life Insurance Advice, Term Life InsuranceCanada Term Life Insurance Comparison Cheap Term Life Insurance Quote Comparison Many Canadians feel they need some form of...
5 Easy Ways To Save Insurance Premiums Life insurance is a necessity once you have financial obligations such as...
Life Insurance Medical Exam in Your Own Home
Russ Smart, , Advisor Voice, Life Insurance UnderwritingLife Insurance Medical Exam in Your Own Home It is common for life insurance companies to require a medical...
Trusted Places to Get Life Insurance Quote Online
Russ Smart, , Advisor Voice, Buying Insurance OnlineTrusted Places to Get Life Insurance Quote Online Below are questions you can ask yourself while searching for a...
Where to Get an Affordable Term Life Insurance Quote?
Russ Smart, , Advisor Voice, Term Life InsuranceWhere to Get an Affordable Term Life Insurance Quote The last question you have to ask yourself when looking...
What is Mortgage Protection Insurance? Mortgage Life insurance is life insurance purchased to ensure that your mortgage is paid...
3 Tips to Get the Best Ontario Life Insurance
Russ Smart, , Advisor Voice, Money Saving Advice, Term Life Insurance, Universal Life Insurance, Whole Life Insurance3 Tips to Get the Best Ontario Life Insurance The best Ontario Life insurance is having enough life insurance...
The Life Insurance Process In 4 Easy Steps
Russ Smart, , Advisor Voice, Life Insurance Advice, Life Insurance Explained, Mortgage Protection Insurance, Term Life Insurance, Universal Life Insurance, Whole Life InsuranceThe Life Insurance Process In 4 Easy Steps Congratulations: Just by reading this, you’re taking the first step towards...
Be Honest on Your Insurance Application A Family’s Life Insurance Claim Is Denied What a sad situation for the...
Back-dating: A Simple Tip That’ll Save You Thousands
Russ Smart, , Advisor Voice, Money Saving AdviceBack-dating: A Simple Tip That’ll Save You Thousands Answer the following: How old are you? Are you sure? It...
8 Reasons Your Life Insurance Claim Will Get Denied
Russ Smart, , Advisor Voice, Life Insurance Underwriting8 Reasons Your Life Insurance Claim Will Get Denied Life Insurance provides peace of mind. In the unfortunate event...
Permanent, Universal & Whole Life Insurance Explained
Russ Smart, , Advisor Voice, Term Life Insurance, Universal Life Insurance, Whole Life InsurancePermanent, Universal & Whole Life Insurance Explained Canadian Life Insurance comes in two types – temporary and permanent. Most...
5 Tips to Get a Life Insurance Policy at the Lowest Premium
Russ Smart, , Advisor Voice, Money Saving Advice5 Tips to Get a Life Insurance Policy at the Lowest Premium One could write a book on life...
Bank Insurance: Why You Should Read the Fine Print
Russ Smart, , Advisor Voice, Mortgage Protection Insurance, Term Life InsuranceBank Insurance: Why You Should Read the Fine Print There are many good reasons to have an individual life...
What’s the Difference between an Agent, Broker & Company?
Russ Smart, , Advisor Voice, Life Insurance ExplainedWhat is the Difference Between a Life Insurance Agent, Broker, and Company? Type of Insurance Distributor How They Make...
Term Life vs Whole Life Insurance Rates in Canada
Russ Smart, , Advisor Voice, Term Life Insurance, Universal Life Insurance, Whole Life InsuranceTerm Life vs Whole Life Insurance Rates in Canada Depending on the Canadian life insurance companies and the type...
Manage Your Cashflow and Keep Your Life Insurance
Russ Smart, , Advisor Voice, Money Saving Advice, Mortgage Protection InsuranceManage Your Cashflow and Keep Your Life Insurance Life insurance is frequently one of the first expenses to go...
How Much Life Insurance Do I Need?
Russ Smart, , Advisor Voice, Life Insurance Explained, Term Life Insurance, Universal Life Insurance, Whole Life InsuranceHow Much Life Insurance Do I Need? Life insurance provides your loved ones with cash if something happens to...
Where to Buy Life Insurance Online? Buying Life Insurance Online is Becoming Very Popular as a fast and easy...
Why Should I Have Life Insurance?
Russ Smart, , Advisor Voice, Life Insurance Advice, Term Life Insurance, Universal Life Insurance, Whole Life InsuranceWhy Should I Have Life Insurance? Life insurance is one of the least fun things to think about, which...
What is Whole Life Insurance? Whole Life insurance is a permanent type of life insurance policy where payments are...
What is the Best Life Insurance for Seniors?
Russ Smart, , Advisor Voice, Life Insurance for Seniors, Money Saving AdviceWhat is the Best Life Insurance for Seniors? Are you a senior wondering about what is the best life...
Top 3 Ways to Save on your next trip to the USA I travel to the states frequently on...
4 Reasons NOT to Complete Online Insurance Applications
Russ Smart, , Advisor Voice, Buying Insurance Online4 Reasons NOT to Complete Online Insurance Applications For the most part, completing a life insurance application online is...
How to Find the Best Life Insurance Rates? Finding the best life insurance rates on the internet may seem...
Life Insurance for Newbies – What is it?
Russ Smart, , Advisor Voice, Life Insurance Explained, Term Life Insurance, Universal Life Insurance, Whole Life InsuranceLife Insurance for Newbies – What is it? What is Life Insurance in Canada? Life insurance is simply a...
Affordable Life insurance for People with Diabetes
Russ Smart, , Advisor Voice, Life Insurance for DiabeticsAffordable Life insurance for People with Diabetes Diabetes is a growing concern as the Canadian population ages and struggles...
3 Reasons to Invest in Life Insurance While You’re Young
Russ Smart, , Advisor Voice, Critical Illness Insurance3 Reasons to Invest in Life Insurance While You’re Young Common Perspective: “I’m young and healthy – so why...
Affordable Ways for Diabetics with Expensive Term Insurance
Russ Smart, , Advisor Voice, Life Insurance for DiabeticsTwo Affordable Options for Diabetics with Expensive Term Insurance Renewals The Situation: Your term insurance policy is renewing at...
Bank Insurance Premiums Compared to Life Insurance
Russ Smart, , Advisor Voice, Mortgage Protection Insurance, Term Life InsuranceMortgage Bank Insurance Premiums Compared to Traditional Life Insurance Mortgage Insurance is offered through a number of insurance companies,...
Get Life Insurance Instant Quotes for Free
Russ Smart, , Advisor Voice, Buying Insurance Online, Life Insurance AdviceGet Life Insurance Instant Quotes for Free Most web sites that offer quotes use quoting software that provides quotes...
How a Non-Smoker Got Rated as Smoker for Insurance
Russ Smart, , Advisor Voice, Life Insurance UnderwritingHow a Non-Smoker Got Rated as Smoker for Insurance Dave just got offered a smoker’s rate for his life...
How to Avoid Your Application Rated or Declined
Russ Smart, , Advisor Voice, Life Insurance UnderwritingHow to Avoid Your Application Rated or Declined It is common for us to meet prospective clients who were...
Renters Need the Equivalent of Mortgage Life Insurance
Russ Smart, , Advisor Voice, Life Insurance AdviceRenters Need the Equivalent of Mortgage Life Insurance If you rent, do you need mortgage life insurance – clearly...
Life, Disability & Critical Illness Insurance Basics
Russ Smart, , Advisor Voice, Critical Illness Insurance, Disability Income Insurance, Life Insurance Advice, Term Life InsuranceLife, Disability & Critical Illness Insurance Basics Risk Analysis and Cost-Effective Solutions (Term Life Insurance, Permanent Life Insurance, Disability...
Tips for Senior Life Insurance on a Limited Budget
Russ Smart, , Advisor Voice, Mortgage Protection Insurance, Term Life InsuranceTips for Senior Life Insurance on a Limited Budget A 64-year-old client recently came to us in frustration. He...
How to Get Quick Life Insurance Quotes? Are you in a rush to get some quick life insurance? If...
How Annual Billing Can Save You up to 8% Given the choice between paying life insurance premiums monthly or...
Types of Life Insurance Policy in Canada?
Russ Smart, , Advisor Voice, Life Insurance Explained, Term Life Insurance, Universal Life Insurance, Whole Life InsuranceTypes of Life Insurance Policy in Canada? Although 85% percent of North American’s agree that most people need life...
What’s the Best Place to Compare Life Insurance Quotes?
Russ Smart, , Advisor Voice, Buying Insurance OnlineWhat’s the Best Place to Compare Life Insurance Quotes? The internet has helped thousands of people purchase life insurance...
Is Life Insurance for Your Parents Important?
Russ Smart, , Advisor Voice, Life Insurance Advice, Life Insurance for Seniors, Term Life Insurance, Whole Life InsuranceIs Life Insurance for Your Parents Important? Life insurance for parents is something that we find many children investigating....
11 Great Life Insurance Money Saving Tips for Canadians
Russ Smart, , Advisor Voice, Money Saving Advice11 Great Life Insurance Money Saving Tips for Canadians Money Saving Tip #1: Many people renew term insurance and...
Be Careful What You Say to Your Doctor When you visit your doctor, do they ask open-ended general questions...
Should You Buy Life Insurance for Your Parents?
Russ Smart, , Advisor Voice, Life Insurance Advice, Life Insurance for SeniorsShould You Buy Life Insurance for Your Parents? Life insurance for parents is something that we find many children...
Diabetics with Term Insurance at a Big Increase
Russ Smart, , Advisor Voice, Life Insurance for DiabeticsDiabetics with Term Insurance at a Big Increase How to Avoid Paying Hugh Premiums on Life Insurance? With the...
Cost Of Permanent Insurance Is Increasing By Up To 20%
Russ Smart, , Advisor Voice, Whole Life InsuranceCost Of Permanent Insurance Is Increasing By Up To 20% You need to act quickly the cost of permanent...
How to Decide How Much Life Insurance You Need
Russ Smart, , Advisor Voice, Life Insurance Advice, Mortgage Protection Insurance, Term Life Insurance, Universal Life Insurance, Whole Life InsuranceHow to Decide How Much Life Insurance You Need This is a great question when money is tight but...
Life Insurance For Canadian Seniors Simplified
Russ Smart, , Advisor Voice, Life Insurance Advice, Life Insurance for SeniorsLife Insurance for Canadian Seniors Simplified 8 Basic Question for Canadians over 60 Life insurance is a common curiosity...
Why You Should Arrange Your Own Mortgage Insurance
Russ Smart, , Advisor Voice, Mortgage Protection InsuranceWhy You Should Arrange Your Own Mortgage Insurance Banks, lawyers are unqualified & Personal needs should be assessed A recent...
How a Medical Diary Can Protect Your Life Insurance Claim
Russ Smart, , Advisor Voice, Life Insurance AdviceHow a Medical Diary Can Protect Your Life Insurance Claim It’s a scary thought: Having your insurance claim denied...
Should You Buy BCAA Life Insurance?
Russ Smart, , Advisor Voice, Buying Insurance Online, Term Life InsuranceShould You Buy BCAA Life Insurance? Today I received a life insurance application from BCAA in the mail. My...
3 Common Life Insurance Mistakes to Avoid The biggest mistake is not having any life insurance in the first...
3 Reasons To Be Proactive With Your Life Insurance Needs
Russ Smart, , Advisor Voice, Life Insurance Advice3 Reasons To Be Proactive With Your Life Insurance Needs Many people are familiar with the reasons why to...
Life Insurance for Diabetics Can Still Be Affordable
Russ Smart, , Advisor Voice, Life Insurance for DiabeticsLife Insurance for Diabetics Can Still Be Affordable People with diabetes require life insurance to protect their family financial...
Are No Exam Medical Insurance Policies A Rip Off? How many times a week do you see the ads...
3 Reasons to Replace Your Term Policy Before It Expires
Russ Smart, , Advisor Voice, Life Insurance Advice, Money Saving Advice, Term Life Insurance3 Reasons to Replace Your Term Policy Before It Expires Another Canadian insurance company just announced a decrease in...
Internet-based Research: The Biggest Trend in Life Insurance
Russ Smart, , Advisor Voice, Buying Insurance OnlineInternet-based Research: The Biggest Trend in Life Insurance Canada Life recently announced that they now sell “non-face-to-face” life insurance....
Financial Tips: 6 Wealth Conservation Strategies Provided are six wealth conservation strategies, each tailored to a unique set of...
Why Insurance Claims are Denied & Steps to Avoid It
Russ Smart, , Advisor Voice, Life Insurance ExplainedWhy Insurance Claims are Denied & Steps to Avoid It In a recent article Manulife Financial reviewed their claims...
Is Pre-need Funeral Planning Worth The Investment?
Russ Smart, , Advisor Voice, Life Insurance Advice, Life Insurance for SeniorsIs Pre-need Funeral Planning Worth The Investment? As a life insurance broker, I was recently interested in the prospect...
How NOT to Buy Life Insurance? Life Insurance is becoming a commodity. Unfortunately, it is now issued by some...
The Implications of E-cigarettes on Life Insurance
Russ Smart, , Advisor Voice, Life Insurance UnderwritingThe Implications of E-cigarettes on Life Insurance E-cigarettes use a liquid-filled cartridge that is vaporized into a mist or...
How Marijuana Use Affect Your Chances of Getting Insurance?
Russ Smart, , Advisor Voice, Life Insurance UnderwritingHow Marijuana Use Affect Your Chances of Getting Insurance? The numbers are in, and it appears that Canadians like...
Why CIBC Denied a Disability Claim & Steps to Avoid It
Russ Smart, , Advisor Voice, Disability Income Insurance, Mortgage Protection Insurance, Term Life InsuranceWhy CIBC Denied a Disability Claim & Steps to Avoid It Donald had that experience when he was asked...
The 3% Premium to Income for Life Insurance
Russ Smart, , Advisor Voice, Life Insurance Advice, Mortgage Protection Insurance, Term Life Insurance, Universal Life Insurance, Whole Life InsuranceThe 3% Premium to Income for Life Insurance Life Insurance Process Doesn’t Have to be Difficult Follow the steps...
Deciding Which Life Insurance Policy Is Right For You
Russ Smart, , Advisor Voice, Life Insurance Explained, Term Life Insurance, Universal Life Insurance, Whole Life InsuranceDeciding Which Life Insurance Policy Is Right For You If you are not familiar with the different types of...
How a Healthy Lifestyle Can Get You Discounts What defines “health?” To life insurance companies, the definition takes numerous...
3 Steps to Financially Protect Your Family from Diabetes
Russ Smart, , Advisor Voice, Life Insurance for Diabetics3 Steps to Financially Protect Your Family from Diabetes On Nov 25th 2013, Global News reported that over 9...
How Life Insurance Helped a Client thru the Initial Shock
Russ Smart, , Advisor Voice, Life Insurance AdviceAn IDC Client Story Brush With Illness One of our clients in her mid 50’s recently shared an experience...
Disability & Critical Illness Insurance: How You Can Save
Russ Smart, , Advisor Voice, Critical Illness Insurance, Disability Income Insurance, Money Saving AdviceWhether you realize it or not, you are practising risk management when you purchase any insurance. You are transferring...
Can You Get Life Insurance If You Have Diabetes?*
Russ Smart, , Advisor Voice, Life Insurance for DiabeticsAffordable Life Insurance for People with Diabetes An estimated 2.3 million Canadians have diabetes and many more do not...
Folks with Diabetes Can Qualify for Cheap Life Insurance*
Russ Smart, , Advisor Voice, Life Insurance for DiabeticsI have attended a number of diabetes association meetings to discuss life insurance options. I notice that many people...
Up to $200,000 Tax Free If You Contract a Critical Illness
Russ Smart, , Advisor Voice, Critical Illness InsuranceUp To $200,000 Tax Free If You Get A Critical Illness Over the past 25 years, higher levels of...
Insurance Calculator Can Save Money on Life Insurance
Russ Smart, , Advisor Voice, Money Saving AdviceLife Insurance Calculator Can Help You Find Out Coverage Needs Use our life insurance needs calculator to see the...
FYI – Your Province Has A Will For You and It Is Not What You Want! Do you have...
What NOT To Do When Researching Life Insurance Policies
Russ Smart, , Advisor Voice, Life Insurance AdviceDo not just focus on getting the best price when researching life insurance policies. The purpose of a life...
Should You Purchase Insurance through a Bank or a Broker?*
Russ Smart, , Advisor Voice, Mortgage Protection InsuranceDon’t Buy Mortgage Insurance From Your Bank or Lender! Despite the perceived convenience, this can be a potentially disastrous...
How 10 Year Term Insurance Can Devastate Your Family
Russ Smart, , Advisor Voice, Term Life InsuranceThe purpose of life insurance is to protect your family. A ten year term life insurance policy will do...
Mortgage Insurance Coverage Ideas for Canadians
Russ Smart, , Advisor Voice, Mortgage Protection InsuranceUse Cheap Term Life Insurance to Cover Your Mortgage When you purchase a home and arrange for a mortgage...
There are thousands of brokers with internet sites and all are not created equal. Very few actually work with...
Free Advice on 10 Year Term Life Insurance Canada A ten year term insurance policy is one of the...
Whole Life Insurance versus Universal Life Insurance
Russ Smart, , Advisor Voice, Universal Life Insurance, Whole Life InsuranceWhat Do You Need To Know about Permanent Life Insurance I once wrote an article about the use of Universal...
Live in a Long Term Care Facility of Your Choice
Russ Smart, , Advisor Voice, Long-term Care InsuranceAn article in the July 5th edition of the Vancouver Province made me revisit the issue. It discussed a...
8 Instances Where Insurance Is NOT Worth the Investment
Russ Smart, , Advisor Voice, Life Insurance AdviceDespite being an essential factor in many people’s lives, life insurance is not for everyone. Here are eight well-defined...
Life Insurance Tips for Canadians The primary purpose of life insurance in Canada is to move the financial risk...