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Canada’s Insurance Brokers Association, What Are the Benefits of Joining

A.Noton — Sat, 15 May 2010 01:45:25 +0000

Belonging to Canada’s Insurance Brokers Association provides many benefits. But do these outweigh the time and cost of belonging to this organization? Because we are dealing with a business decision we must make our arguments for, or against, based on the business benefits it does, or does not provide. This short article will look into some of the benefits of belonging to this august organization, focusing especially on the education and training available to members.

We will divide this article in two main sections. Our first section will focus on the education programs available, while our second will highlight the improved service an Insurance Brokers Association member can offer. We hope this article can help you make a decision that will benefit you and your professional advancement in the insurance industry.

One of the satisfactions of being part of any industry as a professional is the opportunity of growth. True professionals never stop learning, and are constantly trying to better themselves through training and education. If you take on this challenge of continually improving yourself you can expect this constant learning and improving of your skills will allow you to take on higher levels of responsibility. What these higher levels of responsibility are will depend on your goals, ambitions and personal qualities, however you will not be short of options.

In order to provide their members with the best service possible the Insurance Brokers Association of Canada has created a Career Path that will allow you a lifetime of learning and training. This will make your career more interesting and vibrant, as well as making you a better professional.

There are nine main programs currently available to members. We will highlight some of them, although you are encouraged to do further research and find more information on all nine programs. The first step for a budding insurance broker is to carry out a Best Practices program. This program is designed to enhance the performance of members by comparing the broker operations of the 150 top performing companies in the U. S and Canada. This helps brokers identify the type of strategies that work in the insurance industry.

A great second step is to earn your CCIB, Canadian Certified Insurance Broker, designation. This qualification proves to customers you are prepared to offer a superior standard of excellence. These qualification do not only make you a better broker but also a more successful one financially speaking as customers prefer brokers that inspire confidence with an acclaimed qualification.

IRM, Introduction to Risk Management is another great program if you are interested in improving your professional skills. This program will provide you with a basic understanding of what risk management is all about, and how risk managers do their job. This is important for insurance brokers as their whole industry relies on the accurate management of risk.

If you take on one or all of the programs available through the Canadian Insurance Brokers Association and take advantage of the many tools they put at members disposal you will become a more professional and successful broker.

Full service brokerage offers corporate and personal insurance solutions. When looking for the best protection and information on Car insurance, Home Insurance in Whitby, Health Insurance, Life Insurance options, there is Insurance Brokers in Oshawa

Learning to Say No

Tammy AS Kohl — Fri, 14 May 2010 22:12:50 +0000

No is such a small word and yet so hard to say. Often we don?t want to say no, even when that?s the right thing to do because we don?t want to risk appearing unable, unappreciative, or disrespectful. We don?t always act as we know we should. Many people place more value on what others think of them rather than on what they think of themselves. Their need to please others is so strong that, in pleasing others, they continue to diminish their own worth and the quality of their lives. If you, like many people, inadvertently are more concerned about pleasing others than pleasing yourself, it?s time to change.

If you consider what others think of you to be more important than what you think of yourself, you are likely to accept more responsibility than you want or can handle. In a childish attempt to please, you might accept too many responsibilities and become overwhelmed. We?ve all had occasions when we were afraid to tell the boss no. We?ve hesitated about refusing an invitation lest we hurt someone?s feelings, or we?ve agreed to help out a friend even when we didn?t have the time to do so. As stated before, this can cause you to feel overworked, underpaid, out of control, and unappreciated!

If your self-image is healthy and your need to please others is secondary to pleasing yourself, you will tend to frame your responses in light of your values and priorities. As a result, you will find yourself appropriately saying no when requests are not in alignment with your values and goals. Focus on developing attitudes and habits that continuously enhance a positive self-image and a high level of confidence. Focus on doing the right things for the right reasons.

The key to changing any habit is having a desire to change. Desire is reinforced by your conviction that your goals and priorities are right. Habits are very powerful and difficult to break. Therefore, you must really want to change and the rewards or the consequences must outweigh the alternative. If not, you?ll do what?s comfortable. It is frequently easier to do what is familiar than to do what we know is right, but familiar may not be best.

Choose the outcomes you desire. Who you are today may have been the result of choices made by many others in years past. Who you become tomorrow will be a result of choices you make today. Look to the future, not to the past. View setbacks not at failures but as learning experiences and opportunities for growth. Situations do not control you. If you feel your job, your life, your boss, your employees, or your family controls your time, you?ve chosen to let them. You can choose to control your own life. You can select the events in which you want to participate and affect the ultimate outcome. Alan Kay once said, ?The best way to predict the future is to invent it.? People may choose to control our lives, but they are only successful of we choose to let them. What you accomplish and the amount of time you spend getting there depends on the choices you continue to make.

Tammy A.S. Kohl is President of Resource Associates Corporation. For over 30 years, RAC has specialized in helping businesses and individuals achieve high levels of excellence and success. Learn how at http://resourceassociatescorp.com or contact RAC directly at 800.799.6227.

Problems of Visitors to Canada and Medical Insurance

Adrianna Noton — Sat, 01 May 2010 03:45:51 +0000

When visiting the beautiful country of Canada there are other things to be considered in addition to what roads to travel and what cities to visit. Canada has National Health Insurance for its residents but this does not apply to visitors. For this reason, everyone should be aware of the rules regarding visitors to Canada and medical insurance.

When enjoying the magnificent views and other opportunities offered to the visitors, Canada is especially concerned that everyone travels safely. For this reason, there are a number of traffic laws one should be aware of. By following these laws it will be possible to avoid accidents which might lead to the necessity of medical attention.

A person’s health insurance company will be happy to tell their client if they are covered for illness or accident when visiting another country. Some require certain steps to be taken at the time of the illness or accident and will not cover the expense if this is not done. Others do not have any provision in the policy for out of country travel. This information is important to know before ever leaving home.

With today’s high cost of medical care, it is imperative that a person be covered with medical insurance at all times. When traveling out of one’s home country sudden illness or some sort of an accident can easily occur. If a personal health insurance policy does not have an ‘out of country’ coverage than an investigation should be made for possibly purchasing a short term traveler’s medical insurance.

The doctors, hospital and pharmacies in Canada are considered some of the best in the world. Any visitor becoming ill or having an accident will receive immediate care and attention. However, if the visitor does not have health insurance to cover the cost it can be devastating to the bank account.

It is important to talk to one’s health insurance company and find out what the procedure is in paying an out of country medical provider when care is required. If they expect the patient to pay and then be reimbursed later, this can be a problem. When the bill incurred amounts to a very large sum of money sometimes there are not sufficient funds to cover it which results in a very embarrassing and awkward situation.

To be sure one has adequate coverage while visiting Canada it is a good idea to check with a Canadian Insurance Company to obtain basic information. This information should be compared to that provided by the personal medical insurance policy. By doing this it is possible to be assured that the coverage one has is adequate.

The problems incurred by some of the visitors to Canada and medical insurance can be avoided by adequate preparation before beginning the journey. When one considers the expense that could be incurred if there was an accident with the entire family in the car it is frightening. Ambulances, x-rays, specialists and possibly surgery can amount to a sum that it would be difficult for and individual to pay.

Your travel experience would be greatly enriched if you obtain Travel Insurance Canada. Offering the most reliable policies in the industry, you can find affordable rates and useful resources for Visitors to Canada Insurance at this independent agency.

Create a Great Family Reunion Booklet

Jeff McRitchie — Sun, 18 Apr 2010 05:46:27 +0000

Putting together a book or booklet for your family reunion can be a fun and rewarding experience. Here are a few tips to get you started.

Plan Ahead:

As soon as you know when and where your family reunion is going to be held, start sending out letters or emails to all of the families that you believe will be in attendance. In the letter, you can either just make a simple request for information such as where they live, what they are up to, and who is doing what, etc. You can make it easier for them – and increase participation — by sending them a list of interview type questions they can simply reply to. You’ll want to ask the basic questions as stated above, but you can include some fun questions too, such as “what is the funniest thing that has happened to your family this year?” or something of that nature. Some uniformity is great for the continuity of your book, but you want to leave room for each family to show some of their personality as well.

Do what you can to make sure that each family contributes some photos too, as well as contact information and birth dates for each member. The more information you have, the easier it will be to put your book together. Do as much of this information gathering as you can via digital formats such as email. This will make putting the booklet together much less time-consuming in the long run.

Put It Together:

Start to put together your booklet in either a word processing program such as MS Word, or in a layout program such as PageMaker, InDesign, or Qwark Xpress if you have such a program. As stated above, you will have a much easier time if you follow some sort of format, such as each family gets a similar headline followed by a photo and whatever information they have provided. Choose a sans serif font that is friendly, yet easy to read, and consider using fun headers and sub-headers that convey a little bit about each family’s personality. Something like: “The John and Rebecca Hadleys: Wishin’ They Were Fishin’” or something like that. You get the idea.

Take all the contact information and put it in one place at the end of the book, sort of like a family directory. When it comes to placement of the families in the main section, you can either list them alphabetically or by age.

Another great addition to you book might be a family tree. There are a few software programs out there that aren’t terribly expensive and allow you to simply input your information, then import into the main document.

Bind it:

Depending on how large your family is, and how many members you can get to contribute their information, you can either just do a simple two-staple saddle stitch, or something more elaborate and permanent such as twin loop binding or perfect bound hardcover. A lot of times, you can purchase these machines and do the binding at home for less than a print shop would charge, and you’ll then have the ability to create books whenever you choose. Take a look online or go to your print shop to see what your options are.

If you are interested in more information about how the right Binding Machine, can help you create a great family reunion booklet, you might want to visit MyBinding.com. They offer a great price on binding equipment and they even offer Free Shipping on orders over $75.00. Plus, they carry a full line of Binding Accessories.

Create Your Own Personal Promotional Kit

Jeff McRitchie — Sun, 18 Apr 2010 05:40:02 +0000

In a slow job market, it can pay to get creative. If there is a company you are dying to work for (or do work for if you are a freelancer) consider putting together a promotional kit for yourself. Here are some ideas to get you started.

What to Include:

Though your approach is more non conventional, you will still want to include a resume. There are literally thousands of websites with lots of information about how to create a great resume, so dive in and soak up all the advice you can and implement what feels right to you. Some of the most basic rules of thumb, however are to keep you resume to no more than two pages, and to make it as up to date as possible. In this case a cover letter that explains your experience, qualifications, and skills is a great idea as well.

Gather some testimonials or short letters of recommendation from employers or clients from your fairly recent working past. If you received any special awards or commendations, feel free to include these as well. Try to keep this section to no more than two pages, and keep the content short, succinct and readable as well, as you don’t want to bog your readers (in this case your prospective employers or clients) down while they are perusing your promotional kit. Bullet points are always a great way to go for brevity and scanning ability.

In a similar fashion, make a list of professional references with adequate contact information for each. A typical resume will not necessarily include this, but since you are expanding into a personal promotional kit, you will want prospective employers or clients to have this information on hand from jump street.

If it is appropriate to the line of work you are seeking, put a few pages of your portfolio in your promotional kit. Copywriters, graphic designers, illustrators, and photographers should include up to 15 samples of their work, color copied in high quality. Since you are creative enough to produce your own promotional kit, feel free to include examples of your work in various genres if you wish. A lot of companies are downsizing and job combining recently, and might jump at the chance to have someone on board that can impressively display a wide variety of different skill sets.

Besides your portfolio, you can also include other visual aids such as charts and graphs that relate to your employment or work history (if appropriate) and even a personal head shot photograph. A great photograph can help to make you a real person rather than a bunch of words on a page.

Printing and Binding

As stated above, your portfolio items will need to be printed using a high quality color digital printer. Your resume and references should be printed on high quality paper as well.

As far as binding, you have a myriad of options. Plastic comb and spiral coil will provide some nice functionality, but those styles are nit the fanciest you will ever see. A nice twin loop bound booklet with a nice thick board cover gives a little more of an elegant look and feel. Better yet might be thermal binding in which you essentially create a hardcover book. The machines that do all of these types of binding are inexpensive and easy to use, and having them on hand gives you added flexibility and the ability to produce however many of your kits you need to on a moments notice.

If you are interested in more information about how the right Binding Machine can help you create your own promotional kit, you might want to visit MyBinding.com. They offer a great price and Free Shipping on orders over $75.00. Plus, they carry a full line of Binding Supplies.

Secrets to Cutting Your Personal Healthcare Insurance Rates

Alston Ballkcom — Wed, 14 Apr 2010 01:45:33 +0000

If we desire the lowest individual health care insurance premium we need to do several things. We ought to also consider look at both low and high deductible policies. We should comparison shop for coverage regularly. We ought to do what we can to be stay healthy.

Be sure to think about healthcare insurance policies with moderate and high deductibles. These health care insurance contracts often offer the best value when you consider the price and not just the benefits. If you are willing to pay more towards the little expenses, they will give you a better price. This may make it worth your while to take on the additional risk.

It is critical that we find the right balance between rate and benefits. Low deductible healthcare insurance contracts have better benefits but higher rates. health care insurance contracts with very high deductibles have low rates but may have benefit levels that you feel uneasy about. Usually medical insurance policies with higher deductibles are a better values, but you will need to find the level of risk and premium that you are comfortable with.

A time tested way of reducing health care insurance costs is to comparison shop. Whether we are talking about health care insurance, life insurance or fruit at the store shopping around is a tried and true method that can help you to get the best rate.

Since health care insurance rates change frequently, we ought to shop for medical insurance frequently. Once a year or once every two years, we ought to make sure that we have the best health insurance rate by looking at other medical insurance plans. Most healthcare insurance companies change their prices at least once per year.

Make sure that you check to see if the health care insurance company you currently have has any new contracts. You may find that one of their new policies is more advantageous. If you stick with the same health insurance company chances are you will be able to use the same doctors and hospitals and this can be a big advantage.

Getting the cheapest premium for individual and family health care insurance starts with being a good risk. All the comparison shopping in the world won’t help you get the lowest health care insurance rate for car insurance if you have 20 speeding tickets. Insurance companies are looking to insure people who are the least likely to cost them money. They are not going to give their best rates to people who are overweight or who have pre-existing conditions.

health care insurance companies base their premiums on their projected costs and not moral judgments. They know that a driver who has been caught driving while intoxicated is much more likely to cost them money when compared to a person who has a clean driving record.

They look at a person with high blood sugar or diabetes the same way. It’s a cost issue for them. They want to insure those who are the least likely to cost them too much in claims.

Is this fair? It is probably not for everyone. There are conditions that are beyond an individual’s control. However, this is the way health insurance works today. Besides, being healthier does a lot more for you than just lowering your personal health insurance premiums.

Most of us can shrink our private health insurance expenses if we are willing to do some simple things. We should think about high deductible policies including HSAs. We should comparison shop frequently. We ought to do what we can to be a good risk.

You can comparison shop for North Carolina healthcare insurance and insurance in other states on the author’s Alston Balkcom’s website. He has also written e-car insurance rates

Private Family Foundations – Is Setting Up Your Own Foundation Right For You? A Quiz

Thomas Quinlin — Mon, 15 Mar 2010 20:14:59 +0000

Are you thinking about setting up your own private family foundation? It could be the most rewarding thing you’ll ever do — or not. Take this quiz and discover if a private foundation is right for you.

Simply mark the following statements as either true or false.

1. The main reason for creating a foundation should be the resulting tax savings.

2. Setting up a foundation is similar to setting up a corporation.

3. A private family foundation would make a terrific Christmas present for my family.

4. If I don’t like my foundation anymore, I just close up shop.

5. Done correctly, a foundation can be very rewarding and bring the family closer together.

6. It’s important to focus on political correctness when picking a purpose for the foundation, whether I like the activities involved or not.

7. A private foundation is private, so there are few if any reporting requirements and administrative hassles.

Answers

1. False. Tax savings may be one of the benefits, but you should focus first and foremost on what you’re passionate about and make that the mission of your foundation. To make your foundation work rewarding, you need to find a way to integrate it with your own passions and your life. Many of the tax savings actually come from your being able to pursue your passions on pretax dollars.

2. True. Setting up a foundation is very much like setting up a corporation. In fact, a foundation is generally set up as a corporation. There’s also a significant amount of legal and administrative work that must be done on an ongoing basis.

3. False. A foundation is a huge commitment. Unless your family has been closely involved in the decision making process, and is deeply committed to the foundation, it won’t work. “Surprising” your family with a foundation is a very bad idea.

4. False. A foundation, like a corporation, is a long-term commitment. It becomes an entity of its own. You can’t just start and shut them down at will.

5. True. If your foundation is truly built around your passions and those of your family, and is well integrated into your life plan, it will likely be very rewarding. And working together on a shared passion is bound to result in a closer relationship between you and your family.

6. False. Absolutely not. You must create your foundation around your own passions, not around what you perceive to be the politically correct issue of the moment. If you don’t, you will lose interest very quickly, and your foundation will become a chore, and maybe a nightmare.

7. False. The name notwithstanding, a private foundation is subject to numerous requirements. For example, there are reporting requirements, legal and administrative requirements, as well as requirements about disbursing funds to charities or for charitable activities.

The Results

How did you do? If you have answered at least 6-7 questions correctly, you may be ready to take the big step. Be sure to get all the fact, though, so your foundation will become the rewarding experience you deserve.

If you answered fewer questions correctly, you may want to get more information on private foundations. You need to find out more about how they really work and what is involved.

Get a free chapter of wealth management advisor Thomas Quinlin’s ultimate guide to using private foundations for wealth management. Questions? Call Thomas at 408-437-1410. Financial Advisor San Jose San Jose, 1798 Technology Drive, Suite 258, San Jose, CA 95110 Here’s a related article on private foundations

Starting Our Business Out Right With Tracking Labels

Lawrence Reaves — Sat, 13 Mar 2010 17:44:59 +0000

Starting a family business hasn?t been easy. We?ve had our up?s and down?s. When we decided to start a gift shop in Miami, Florida – we knew this was where we wanted to raise our family and it was the type of shop we wanted to have. Adorable Necessities began as a small shop but soon we took over a larger space. Our customer base grew over the next six months as customers told others about us. It was exciting to see our business develop. But it was also a bit intimidating too.

One of our growing areas has been shipping gifts. As a gift shop we see the majority of our customers in to buy gifts for their family and friends. For every reason you can think of ? birthdays, holidays and ?just because.? We love gifts! But now we have a number of customers who ship gifts to their family and friends. And we just couldn?t do it without our tracking labels. They?ve truly helped keep our business in the black so to speak.

With tracking labels you know exactly where your package is at all times. This is a great convenience as you ship a package. Best of all, you don?t worry when the package is out of your hands. So many times when you ship something ? a tiny bit of you does worry as you hope that package reaches the right hands okay. With a tracking label you know for sure everything is going to be fine. And if there is any type of problem, you?ll know where the package is at all times. This is a tremendous business tool for anyone doing any type of shipping to their customers. If you?ve got inventory going out that?s dollars you just can?t afford to lose. Whether you are a big or small business ? you?ve always got to do what you can to stay in the black.

I think our tracking labels give our customers great peace of mind as well. I know our customers have seen them and I think they are pleased to see tracking labels on our packages. They haven?t said anything, it is more the expression on their faces. They know we are a serious and professional gift store business handling our products in the best way possible. Most importantly ? they know that birthday gift to their aunt a few states away is going to reach her on time and be tracked as it gets there. That there is nothing to worry about.

Starting our own business has been very exciting in so many ways. My wife can be home for the kids when they get home from school. We have more control over our days and overall schedules. This is more the life we wanted to lead. But there have been many things we?ve needed to learn along the way to be the best business we could be. Little tips like getting great tracking labels. It sounds like a small thing but it makes a big difference ? to your business and to customer satisfaction. I don?t think we?d to as much business without them!

Lawrence Reaves makes sure to follow the best business practices, which includes tracking labels for all of his packages. He orders his tracking labels and all other labels from mavericklabel.com, his favorite online label source.

Review Life Insurance Needs – Keep Insurance Portfolio Up to Date

Donald Lusan — Fri, 05 Mar 2010 01:49:16 +0000

It is just simple common sense to review life insurance needs each year. The amount of coverage you now own may be too little or, in some rare cases, too much. Life insurance is intended to protect the income of the breadwinner. It is designed to replace this income in the event of the premature death of this person.

Incomes as well as cost of living tend to increase every year. It is therefore safe to conclude that a policy that was adequate last year or 5 years ago may not cover the family needs today.

On the other hand you should also consider that your children may be closer to graduation or have already graduated and are on their own. The portion of your coverage applied to that need may be much less today or not needed anymore.

What about the mortgage on the home, is it paid off? If it is you may not need that portion of life insurance applied to pay it off anymore. On the other hand, did you take out a second mortgage? If you did you may need an additional policy to pay that off upon your death.

What of your spouse? Is s/he one who works outside of the home or does s/he do the more difficult job of maintaining and managing the household. It may be wise to provide sufficient income to guarantee that your other half can live a comfortable life until her or his death.

What if you are part owner of a small corporation or business partnership, has the business rapidly grown? If it has the initial policies you purchased to fund your buy sell agreement may need to be increased. What of key employees, are they worth more to your business today than they were when you bought your first key man policy?

Life insurance was intended to guarantee the security of your family or business, you should review your needs to make sure that your coverage is sufficient.

Set aside some time each year to review life insurance needs. It is best to do so at the beginning of the year when you plan what you intend to achieve during the particular year.

Something else to consider, are you still in good health? Would it make sense to convert your term policies if the companies you do business with offer the option to convert? You don’t want them to expire and you still need coverage.

A very handy tool that you can use to determine your needs is a calculator designed for this purpose. There are many on the Internet that you can use free of cost. Just fill out the short form and find out how much you should own based on your particular situation.

If you can handle the additional amount recommended go buy that amount if not try to pick it up as soon as you can.

It is usually a good idea to review life insurance needs at least once per year.

For more than 40 years Donald has been known for his extensive knowledge of the life insurance business. He has represented some of the largest and most admired life insurance companies in the United States as well as Canada. His advice is invaluable. Donald’s website is: Life Insurance Hub Also see: Life Insurance Answers

Lower the Cost of Your Car Insurance But Keep the Peace of Mind it Brings

A.Noton — Mon, 22 Feb 2010 19:03:23 +0000

Whether you pay for car insurance monthly, quarterly, semi-annually or yearly, you probably are paying quite a bit for car insurance. You may also be wondering what you get in exchange for the dollars that you pay for car insurance. In short, the answer is peace of mind, but the longer answer may help you to understand where those insurance dollars go.

In the first place, by having liability insurance on your car, you are meeting the financial responsibility laws of your state. These financial responsibility laws vary vastly by the amount and types of coverage that are required, but all states require that all drivers be covered with personal injury and property damage insurance on their car. Let this coverage lapse for even a day and some states will cancel your registration or driver’s license until you prove that you have insurance coverage in place and pay an administrative fee or fine.

Driving without insurance, however, can cost you much more than just a fine. If you are in an accident, you can be held financially responsible for the other person’s vehicle and medical expenses. In addition, you will likely be ticketed for driving without insurance. These expenses can far outweigh anything you might pay in insurance fees.

In addition, you may find yourself responsible for the repair or replacement of your own vehicle. Many people depend on that vehicle for work. If you cannot get to work, you cannot pay for a replacement vehicle. If your vehicle is in the repair shop for a significant amount of time, then you may need to pay for a rental vehicle until it can be repaired.

In addition, the comprehensive coverage on your vehicle covers it in the event of vehicle theft, vandalism or if windows are broken and need to be replaced. In many areas car theft is far more common than we would like to think. If your car is stolen, it is not usually recovered without some damage. Many stolen vehicles are eventually wrecked and then abandoned. Others are stripped and sold for parts.

If you drive a newer vehicle that is on a loan or lease plan, it is very likely that the finance company will require that you have full coverage insurance. If you do not have this insurance, the loan company will purchase the coverage for you and you will have the very expensive cost of this insurance added to your vehicle loan. Some car loans actually allow the finance company to repossess a vehicle whose owner allows the coverage to lapse.

The best way to save money on car insurance is to comparison shop. You will find that there are many companies that offer free insurance quotes online. You may choose to give all the required information for the most accurate quotes or you can choose to get quotes with no personal information given. These quotes will allow you to compare prices and find the insurance company that offers peace of mind at the lowest cost.

When you think about it, the price you pay for peace of mind is not all that much.

Looking for a quick and efficient roadside assistance service? As Canada’s largest automobile association, they have towing services, trip accident assistance, and caa services available to all their members. There’s even special promotions such as Las vegas vacation packages.

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