Life Insurance Canada: Recent Episodes
Craig Ferguson
I am Craig Ferguson, a Canadian Life insurance broker working with the major insurance companies in Canada for the past 25+ years. This show is going to address timely issues related to life, disability, critical illness, travel and medical and dental insurance. Please contact me at benefitsontario.com: craig@benefitsontario.com. Toll free: 1 866 317 6061
On the Breitbart News radio program of this date (February 12, 2016), Steven Bannon discusses Donald Trump's job and trade policy with senior policy advisor to Trump, Stephen Miller.
We have been discussing the ravages to the North American economy from the loss of manufacturing for some time.
The US had several hours of Republican debate and there was little discussion on "Fast Track" and the Trans Pacific Partnership. Why not?
What would Donald Trump's America look like? Could he turn around and "make America Great Again" with his vision to turn back the clock and fight the forces that have given us globalization?
Who are the leaders that we don't see or vote for who have brought us the current state of global trade?
While the Canadian Provinces work toward joining forces to negotiate better overall drug costs, the Federal Government is interested in joining the group as well. This is in stark contrast to the Federal approval of the Trans Pacific Partnership (TPP) and the inherent protections for drug patents and prices, giving the Pharma giants rights over the sovereign rights of Canadians. Is pharmacare a pipe dream at this point?
If you are an employee of a large company that has a benefit plan, you are probably familiar with your benefits. You likely have a cost-effective solution to help you out. But, if you don't have a benefit plan, what are your options and costs to help you cope with future medical and dental costs?
On this podcast, we will discuss this further.
Hello! Craig Ferguson here. Thank you for coming here and listening to this introduction. The issue for you is who can you trust. This short commentary explains who I am, and how I can help you and your family get the insurances you need.
The financial elephant in the room is charge card debt. If you have it, you don't need to feel embarrassed or ashamed. But you may be feeling trapped, as you look at options that are unviable and complicated, and perhaps risky in today's economic environment.
On today's show, we discuss the convenience of the new breed of lending, peer-to-peer, and how Canadians can take advantage of it now!
There is a non-publicized case in the courts right now challenging the charter of the Bank of Canada. It could have tremendous impact on how monetary policy is shaped moving forward. The constitutional lawyer handling the case is a veteran that claims it is the biggest case he ever has handled, yet you will not find it anywhere in a newspaper in Canada.
The plaintiff is COMER (Committee for Monetary and Economic Reform).
The government is defending and fighting their right to borrow at interest instead of interest-free. Imagine that. On today's podcast we look at this case and bring in some commentary and opinions from those studying the case.
On today's podcast, we discuss how important income guarantees are in tough economic times. We discuss making sure the capital is there, and then how to ensure the income stream cannot be outlived.
In today's mixed up world, with wars on every front, and economic upheaval, and financial insecurity, people are taking up sides and causes more and more. It is not possible to remain neutral.
Which fight are you fighting? We take a look at my take on this, and the world today, on today's podcast.
In the Austin Powers movies, Dr. Evil turned to Austin Powers and said, "We are not so different you and I". It was comical. In the case of Christians and Muslims, it is important to know our similarities and differences in order to tolerate and realize the solution is peace. We examine Christian and Muslim views on Jesus' significance and place, and find comfort to know that He was an important element in both beliefs, with God at the helm.
Who is to blame for the resurgence of European nationalism in the wake of the terror attacks in Paris France earlier this month?
Can we blame our global, political parents for not assuring its' citizens (the children) that they will be treated fairly?
Are people gravitating towards groups that provide answers, whether extreme or not, but allow for collaboration, identity, and reassurance that everything will be okay - - just follow us?
On today's audio podcast, we examine the Globalization experiment, and the clash of civilizations that are resisting the blending of cultures the world over.
In 1993, Samuel P. Huntington, a Harvard Professor wrote a controversial and disturbing paper that was printed in the Journal, "Foreign Affairs" in which he outlined the consequences of the western push to a culture of universality. He mentioned this in his book, "The Clash of Civilizations and the remaking of world order".
The point is, the governments of the west knew that there would be a pushback from some Muslim factions, Chinese, and other cultures to the invasion of the western influence on the world. Although Jihadists do not represent Muslims, they are a disefranchised group that are reacting in a violent way, with reasoning that they are reacting to western foreign policy.
Now, PM Stephen Harper may use the threat of terrorism as a campaign platform in the coming October 2015 elections.
In this short special audio report, we provide an audio reading of the following article:
http://www.cbc.ca/m/news/canada/manitoba/we-are-no-longer-a-prosperous-country-1.2870526
Canada is no longer prosperous. This article from an associate professor at Laurentian University and co-editor for the Review of Keynesian Economics, Louis-Phillipe Rochon.
First of all, sorry for the reference to January 6, 2014 on the audio podcast. Can't get used to it actually being 2015! But on with the issue at hand!
Oh how Canada is a good 'ol boy willing to beat up our fellow Canadian and be influenced by political campaign rhetoric of many flavours.
On today's audio podcast, we look at the attack on labour in Canada, which is counter to the Universal Declaration of Rights fought for and a result of WWII. We are heading toward a westernized, technological global culture with tremendous pressure created and imposed on Canadians looking to secure their financial situations, but with no end in sight for the attack looking to disturb financial security.
The Harper Government has taken what could have given his governance a much needed boost in public opinion by strengthening the Health Council of Canada. Instead, he took a small budget office that was arguably the "glue" that solidified the strength of our universal health care system, and used it to move forward by leaving the provinces on their own. It doesn't make sense - - that is, until you see where the tail has been wagging the dog, inferring a political pressure from pharmaceutical suppliers to ensure high profits at the price of avoiding a sustainable pharmacare policy.
For those of you looking for travel insurance solutions, know that there are varied policy terms, exclusions and other inherent risks that can make ensuring the right policy challenging. And, why go it alone when brokers who handle these risks have done their homework to ensure you get the right policy. The days of clicking a few buttons on price alone shopping on the internet should be avoided at all cost.
On today’s audio podcast, we look at our current Federal Government and it’s policies, to start the discussion on motive and direction, and how it is affecting our standard of living. It is just the beginning of what should be a long examination of the policies and issues, and how they affect our security as Canadians.
How is it working for you Canadian, if you are contracted, temporary or part-time? If you are a contingent worker in Canada – – also known as a freelancer – – how are you making out financially? Are you concerned about lack of benefit plans to protect you against disability, illness, or other expenses that could cripple you?
Are you worried about the imbalance in having large amounts of debt but without security of long-term work guarantees?
What about retirement?
How will our economy and you cope with the ticking time bomb that could go off anytime, if all things don’t go your way?
We discuss this with opinion on today’s audio podcast.
Canadian job security and trend toward underemployment and contracted work does not support the long-term, tremendous debt levels that will crush their dreams if interest rates rise slightly, disability hits, or the job disappears. But youth are taking on risk to compensate for the lack of financial hope in the job market.
Employers are "using" people not looking after them. This combination is a potential "perfect financial storm".
On today's show, we look at wealth inequality experienced after the start of Globalization for the middle and poor classes in the western world. What can be done to correct it, and how there is a division amongst the for and the against to continue on the path to the "eBay" economy.
On today's show, we look at Canadian family debt, employment, disability, and predatory lending. How you can turn the ship around means looking to work with a group of professionals more concerned with your cash flow, debt management and wealth accumulation, not just making money from you.
Over the years, the age and amount requirements of life insurance companies have evolved. The trend is to lower costs and use technological advances to offer life insurance with less invasive testing which can result in ratings or declines.
Learn how "Instant Life Insurance" is becoming a popular trend amongst Canadian insurers, and how it can help your family budget!
On today's show, we discuss how vital full disclosure of lifestyle and medical history is; yet it is left to the consumer to hold the bag if he or she does not understand what the insurer wants. And, why shouldn't the pyramid of responsibility filter from the insurer, to the broker, and then to the client, to help understand the terms of coverage, or whether the insurance plan is ultimately suitable? This and more in this audio podcast.
We say we need it, but don't understand it. We know we want financial security, yet we are underserved in this vital area, and don't use advisors to help us to understand and plan enough.
We examine surveys on Canadians that paint a story of need, and the big job ahead to get it done.
Being in my mid 50's my clients have grown up with me. We are now facing the term insurance renewals, and some of us don't qualify for standard insurance rates any more. What can we do; what are the options, and how valuable is the original policy we took out years before.
We discuss this and more on today's show.
Over the years I have noticed that clients have similar questions related to life insurance - - how much they need, what type of plan they should take, etc.
We discuss this and more on today's show. Craig Ferguson, 1 866 317 6061, ext 101 craig@benefitsontario.com
We take a look at disability amounts and how much you would receive from an employer, and how to add more. For the self-employed, we look at ways to get around all those tax write-offs that save money, but play havoc on qualifying for the monthly income benefit that will pay your family's bills !
This was originally released in 2013. We discuss life insurance and the big question of how much you need. Who really knows is the gist of what I hear day in, day out as a life broker in Canada.
Well, on this show, we pin it down with a calculator and a plan.
This was our first podcast episode explaining what to expect, and why I am going to continue to discuss issues on a daily basis that are timely for Canadians looking for life insurance advice.
(originally posted in 2013)
This was released initially in 2013. We examine employee benefit booklets, and key in on the LTD (long-term disability) part, to assess how much you would ACTUALLY receive in the event of disability.
The results may be a surprise, and the security, well, I will let you decide.
The so-called easy to acquire and sell disability plans come at a price.
It is better to satisfy the requirements of the better, more professional policies up front, to ensure you get better terms, a better rate, and better coverage and protection for the long term.
Instant Life Insurance! is a means to protect you not only quickly, but with less chance of decline from the unknown variables of urine and blood testing. It is a building block to be used in a proper life insurance planning process, and should be considered as a vital first step.