Different definitions bedevil critical illness insurance
But reinsurer Munich Re is set to introduce benchmark definitions to provide more consistency in the market
But reinsurer Munich Re is set to introduce benchmark definitions to provide more consistency in the market
Many clients do buy CI insurance when advisors carefully lay out the real-life risks
Awareness of the risks can help inform decisions about obtaining CI
Having money at the right time can make a very difficult period much more bearable
Reinsurance companies suggest there may be more flexibility in payouts and premiums down the road
Although banks are leading the way, life insurance companies are making new gains
Paddling to a water access cottage is probably not a good idea
The new royalty rate proposals are having unintended consequences for Alberta’s economy
Benefits of the RBC takeover to PH&N clients are theoretical and prospective
There’s a snapshot on my bulletin board of my youngest daughter, Rachel, just after she turned 11. Her long blond hair unbrushed after a day…
Hundreds of men will soon climb out of their boats off the northeast coast of Newfoundland and gingerly alight onto the heaving pack ice that…
But the federal government is dithering on taking true action on climate change
Incentives matter when it comes to shaping both individual and corporate behaviour. Financial services firms — and their regulators — must absorb this truism and…
It has been a difficult and challenging time for investors. And to make matters worse, they are now confronted with different and conflicting views on…
Although U.S. households are seeing a destruction of wealth as home prices tumble, Canadian households are in good shape financially. This bodes well for continued…
Despite the comfort that some sectors offer, balance is always better
Old-fashioned investment ratios will gain greater prominence in determining worthy investments
The price of oil has skyrocketed as it becomes a hedge against the falling U.S. dollar
Major players in Japan and Europe present interesting investment opportunities in this logistics subsector
Bond funds can outperform other safe harbours, but care is needed
Consistent, positive growth and democratic stability are now the norm in the traditionally risky region
Natural gas prices have rebounded, but there’s concern that record-high oil price increases ae not here to stay
But initiatives need to be harmonized to be effective
Already a problem in the U.S., it could cross the border at some point
Global resources fund manager says some of lesser-known names have potential to become giants
But this may be offset by juicier payouts
But a few equity funds make it on to the top 25 list
McLean Budden American Equity Fund and Dynamic American Value Fund favour large-cap stocks
Three new funds from TempletonToronto-based Franklin Templeton Investments Corp. has introduced three new corporate class funds, which allow investors to switch among funds while deferring…
There’s lots of choice among Canadian funds
Get to know people at weddings and parties, but don’t talk business
No one wants to think the unthinkable when planning a trip abroad. But your boomer and snowbird clients should face the possibility that they could…
Like many people, Darren James thought a company’s brand consisted of little more than a logo and a tag line.Nike Inc., for example, evokes images…
Ian Cummings, an advisor with Investment Planning Counsel, has built a business model in which he outsources everything but his advice.“An advisor has the choice…
Eliminate clutter, set a schedule and prioritize tasks
As a financial advisor, you should have a brand that reflects what clients can expect from you
Most advisors know it is a key to success, but don’t know how to make the transition
Phishers are particularly attracted to the Web sites of financial services companies
There’s often a significant downside to undocumented services
Setting up testamentary trusts for young children, appointing trustees and guardians are important steps
Before clients leave Canada, they’ll need to ensure that wills and powers of attorney are up to date.> WILLS. Of course, your client already has…
Tools show how stocks outperform bonds and GICs over the long term
Advisors can benefit from detailed advice on when and how to recruit
Vitamin D, naturally produced through exposure to the sun, is being hailed for its multiple benefits
Ian Cummings has outsourced his administrative functions so he can concentrate on doing what he does best
All firms need a plan to get through events such as a fire, earthquake, hurricane, terrorist attack or other catastrophe
A well-executed communication plan means clients aren’t ruffled by short-term market volatility
Financial services firms will find adhering to Canada’s new anti-money-laundering regulations expensive
But, on a positive note, domestic retail banking continues to be a pillar of strength
Empire Life’s new CEO, Les Herr, prefers the slow but steady approach
Moses Znaimer sets out to the serve the new “zoomer” culture
The global credit crunch and the resulting poor performance of equities played havoc with financial services firms’ bottom lines in the final quarter of 2007.…
Success builds on success as financial services firms expand and support services
Financial institutions could face more class actions from non-management employees
Suit alleges policyholder funds wrongly used for 1997 London Life purchase
Canadian policymakers should work harder to harmonize their rules with other regions
Money market and long-term funds sell
But the former Montreal advisors intend to file a counterclaim for wrongful dismissal and damage to their reputations
New entity will be, by far, the largest credit union in Alberta
Their highly leveraged operations are not inspiring much confidence among analysts and investors
CIBC, Royal Bank of Canada and TD Bank get a piece of the action
As costs for conventional energy soar, markets for new power sources are growing
Negotiated settlements have garnered some $12 million that could make its way to unitholders
Too many firms rely on boilerplate disclosure of information that could affect investors’ decisions, report says
Built “for advisors, by advisors,” Laurier Capital Planning hopes to attract mid-tier producers
The industry and investor advocates are displeased with the IDA’s proposal, which means it may have finally struck the right balance
Despite earlier promises of further tax cuts, this year’s budget was one of “prudence and discipline”
Although the proposal promises sweeping changes, a couple of the industry’s major complaints have not been addressed
Declining assets have made the income trust-based fund unprofitable
Communication and co-operation between Ontario and British Columbia securities regulators and their counterparts in Britain have led to unusual success in a recent stock swindle…
B.C. victims are launching a class-action suit in an effort to recover funds lost in these scams, which are plaguing investors
There are also lots of other changes that could help curb the Tax Department’s appetite
The challenge for advisors is to educate investors on how to use the tax-free savings accounts
Some say the crisis will require U.S. government intervention
Securing protection from creditors gives the Crawford committee more time to develop a rescue plan
