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Get The Most Professional Advice From The Best Life Insurance Broker

Your options for buying Life Insurance can be very confusing. Are you looking for qualified, professional advice from a life insurance broker you can trust?

Technology has given us many ways to get life insurance in Canada. You can find products and insurance companies via the internet, or deal with bank-owned life insurance companies through a call center. What you really need to ask yourself is, Is the insurance advice Im getting unbiased and really tailored to my needs? This article will outline the pros and cons of buying life insurance through the various sales channels and where you can buy personalized and professional life insurance advice.

Online sales

True online sale in Canada — via point and click programs, are very limited in Canada, at least for now. Usually these sales are limited to health and dental plans and some forms of critical illness and travel insurance. There is almost no life insurance being sold totally via the internet, as you still need to speak with a licensed life insurance broker/agent and sign some documentation. As a buyer of life insurance you might think that by cutting out the middleman would save you money. Not so. In fact, insurance companies will charge the same premium for a policy bought online as they will for one sold through a face-to-face advisor like a life insurance broker. There are no discounts on premiums in the Canadian marketplace to buy life insurance online.

And with getting policies online you do not get personalized service. Most life insurance policies have unique features from different insurance companies. They also offer many riders and benefits that can customize your plan for your unique situation. And there is future planning to take into account, where a relationship with an insurance broker can help you change your life insurance policies as your circumstances change. Online quotes and sales of life insurance are typically limited to only term life insurance, and purchasing any permanent life insurance would need you to meet with a life insurance broker.

Call Centre sales

This is similar to acquiring online as most online life insurance sales have to be completed by a licensed life insurance representative on the phone. Buying life insurance through a call center is also specific to only term life insurance with several optional riders and benefits. Call center sales people only have a limited selection of products and lack the knowledge or skill to advise on permanent life insurance or various health insurance options.. Call centers basically represent only one insurance company (like a bank owned life insurer) and can offer only those companies products. Usually this means clients cant shop the entire Canadian insurance market for the best rates like they could with a life insurance broker, and are possibly paying much more than required.

Special Mail-Out offers

Several Canadian life insurance companies offer members of groups, like university alumni or employees of an organization, special mail-out offers for association life and accidental death insurance plans. These policies are all built on group insurance platforms. This means you do not own your policy, but are only a certificate holder as part of a bigger. You would have no rights to change your policy into permanent insurance in the future. On these plans, premiums will increase every five year as you age, so what seems cheap toady could get very expensive in 10 or 15 years time.

Many people opt for the accidental death coverage because they think it is cheap life insurance. But, it is NOT real life insurance covering all risks. You would have to die from an accident — NOT a sickness — to be able to claim any benefit. Some planes also cover accidents in only certain scenarios, such as an airplane or bus crash, in order to get the full death benefit they promote. Since sickness is the cause for over 85% of all deaths in Canada, it is doubtful these policies will ever pay out any benefits at all.

Mortgage/Creditor Insurance from the Bank

When buying a house or taking out a loan, your bank or mortgage broker will offer their Mortgage Insurance to protect your family in case you pass away while still paying off your mortgage. THIS IS DANGEROUS LIFE INSURANCE! Even though it might seem easy to be insured for this coverage, at time of claim (death) the insurance company will have to decide whether or not you are eligible for the insurance. Any minor prior health issues that were not FULLY disclosed upon the application could disallow your family from getting the death benefit. Be reminded also that the banks mortgage life insurance has a minimal insurance benefit; you have less life insurance coverage every time you make a mortgage payment, yet the monthly premium does not decrease. When you pay off your mortgage the banks mortgage life insurance cancels and there is no option to get a personal policy, and all your premiums (lost money|are not earning|are losing money}.

Captive Life Insurance Agents

Captive insurance agents are life insurance advisors who represent only on insurance company. A captive agent can only offer products from their insurance company, which means that clients have very limited options. It would be like shopping for a car but you are only allowed to visit the Ford dealership, and must pick a Ford — no other car companies can be regarded. You are not assured to get the best rates. Usually, premiums charged by captive agents are much higher than if a client purchases through an independent insurance broker. You as the buyer, will lose when buying from a captive agents as they are handcuffed by their inability to sell the entire Canadian market for life insurance. Companies that still maintain a captive life insurance agent sales force are Sun Life, RBC Insurance, Freedom 55 (London Life), Primerica, and Desjardins. And, by the way, all these companies offer their life and health insurance products to life insurance brokers too.

Independent Life Insurance Broker

An independent life insurance broker has access to all companies offering life and health insurance in Canada. They can research the market on your behalf to find the best possible solution for the lowest possible premium. Price isnt the only driver when choosing for an insurance policy that is perfect for you. Some companies will offer unique benefits and riders that better serve you, or you might have a health issues that is looked on more favorably by one insurance company vs. another. All this comes into consideration when advising clients about the best life and health insurance options for them. Make sure to also ask about your insurance brokers experience, support system/network, professional credentials, etc.

A Life Guard Insurance Broker Can Help You

At Life Guard Insurance, we are a network of highly skilled, professional life insurance brokers across Canada. Our life insurance brokers are supported by Canadas largest national life insurance general agency, PPI Solutions. Our brokers have access to customized services from reinsurance, meaning we can negotiate a policy when there are health problems or foreign travel restrictions.

How To Become A Mechanic In Canada

Becoming a mechanic, or as the profession is also called, an automotive technician gives you a skilled trade, which not only means you may have access to a subsidized education through apprenticeship grants, but with about twenty-two million licensed drivers in Canada, an automotive career gives you a reliable source of employment regardless of the state of the economy. However, people looking into how to become a mechanic have a several step process ahead of them, starting with finding a mechanic school and funding, but including four years of practical, hands on work experience for full trade certification.

Choosing the right Mechanic Program:

Mechanic programs are provided through community colleges or vocational schools. Prospective students must consider the location, cost and facilities. It is a good idea to tour the campus to see what sort of hands on experience you will get, and speak with instructors, and if possible, past students. While options vary, you will find there is a mechanic school in most parts of Canada. Once youve found a school and applied, your time will be spent learning all about cars, their working and how to keep them running and in good repair. Your training might be as an automotive service technician, which is more focused on the inner workings of the car, or on the equally essential alignment and breaks or the auto body and post-collision repair.

Looking for Education Funding:

As well as the usual post-secondary options of government and private student loans, federal and provincial level long-term work force planning mean that there are further grants and bursaries available to facilitate your education in a mechanic program. These include money set aside to encourage non-traditional careers and trade grants, and are well detailed in Federal and Provincial websites, but your mechanic school will usually have a dedicated financial aid office committed to finding you the means to pay for your training, which will walk you through all your options.

Certification:

The certification process starts with a certification of qualification or registering as an apprentice. With your time in your mechanic program completed, you will need an employer to sign off on your competencies, which you will demonstrate through working for them, applying what you learned during auto technician training. After this period of employment, generally lasting four years, you will receive a Certificate of Apprenticeship. Then theres one more step: challenging the trade examination to get a Certificate of Qualification, and then youre a fully-fledged mechanic.

The path from auto mechanic programs to full certification is lengthy and involves lots of work, but unlike many education options, not only is there special education funding set aside for trades, but the work component of your apprenticeship will be paid, making this an affordable option for the technically inclined. And, once youre done you have a skill to start your own business with or easily find an in-demand job.

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What You Should Know About Theft of Construction Equipment

People often think that it’s basically impossible for construction equipment to be stolen, since it would be pretty noticeable if someone started driving a crane down the street. But, many construction equipment thefts are easy to conduct for quite a few different reasons. It’s actually really easy to get away with, and has become commonplace in countries such as the US, Canada, Japan and Europe. People should, therefore, be made aware of such thefts going on in their areas.

Because construction equipment doesn’t come with doors or locks, they are easy for burglars to break into. Thieves feel that hi-jacking construction vehicles is a piece of cake compared to most other types of vehicles. And people won’t be able to tell if the equipment being driven is being operated by a thief or construction worker. Most people wouldn’t recognize a piece of construction equipment if it was camouflaged somehow.

Thieves find it beneficial to steal this kind of equipment because it can command a high price on the black market. Forklifts alone can fetch a price of $12,000 to $50,000, and thieves could sell a generator for $150,00 a pop. Because constructions sites often have lots of these kinds of equipment, it’s easy money for clever thieves. Criminals are very fond of stealing construction vehicles for these reasons, not to mention the fact that most construction sites are unsecured and the vehicles are left out in the open with no protection.

The problem has become too severe to be ignored any longer. According to statisticians in Japan, roughly 450 pieces of construction equipment was stolen in 2008 alone. While in the united states, the National Insurance Crime Bureau found that nearly a billion dollars in construction equipment is stolen and sold each year on the black market.

To date, numerous government agencies and manufacturers of construction equipment have tried their best to prevent this theft from continuing. In the UK, construction equipment registration systems make it easier for the police and the companies who own the equipment to recover their stolen goods.

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Optimism for Canadian Commercial Real Estate Investment Market

It might sound like the equivalent of a gold rush when any industry sector can show a 93% increase in one year but that’s exactly what happened with the Toronto commercial real estate market from 2009 to 2010. The increase for Canada averaged 48% overall with a total investment volume of 18.9 billion dollars, indicating healthy investor confidence and a strong economy. This article discusses the most up-to-date statistics in the commercial property investment market.

According to the 2010 National Investment Report issued by CB Richard Ellis Limited (CBRE) the commercial property investment volume has climbed back to pre-2005 recession levels and totaled 18.9 billion dollars. Commercial property is proving to be an attractive investment which stimulates the rest of the economy. Office, industrial, and retail property in Canada have all attracted investor interest, with many companies deciding to upgrade to better properties before prices rise any further.

This is fortunate for Canada in a time when most countries are still sinking in a worldwide depression. There is a banking crisis caused by the credit default swap swindle evidenced by the problems of European Union economies such as Greece, Ireland, Spain, and Portugal. Bailing banks out of their black hole of debt and sticking it on the taxpayer has been allowing banks to exert undue control over those countries’ infrastructures, resources, economies and governments.

Whether you use the term recession or depression for the state of an economy depends largely on where you’re sitting. The lower classes have less money so inflation means the same amount of money buys less, so the economic pain is far greater than those who still have something left over and are not as devastated by things like unemployment and high interest rates.

Every region in Canada showed a 2010 growth except for London Ontario. Other cities like Halifax could have showed bigger volumes if there was more investment product available, a factor that limits any real growth figures. The economy in such a region could be healthier than investment sales would indicate. In any case, these provide relatively strong yields compared to other investment types so Canadian commercial real estate is attracting foreign investors as well as domestic ones.

In Vancouver there were 1,263 transactions totaling $2.9 billion dollars compared to Toronto, where 1,156 transactions represented $7.4 billion, so each of the commercial properties trades in Toronto were of higher value in terms of dollar amounts. Montreal also showed significantly greater sized amounts per transaction. The volume of $2.9 billion was a one-year increase of 52% yet the transaction increase was just 32%, showing the effect of large institutional deals like the Place Innovation and McGill College properties.

Companies with both property management and asset management skills should thrive in the 2011 year if this trend continues. Such firms suffer or smile in relation to the state of the economy; investors are turning to Canada as a refuge from the collapsing economies of other countries. At a time when currency systems are under attack caution must be used. It remains to be seen which countries, if any, become insulated from the turmoil that is being fomented elsewhere to usher in a one world government and one world currency system. This is the goal of those who control world leaders, but to give control of the money supply to a private clique will lead to disaster since absolute power corrupts absolutely. A post-industrial feudal system will be the end result if such a thing were to occur.