Are you hard to Insure?

Have you ever been refused Life Insurance in the past?

Why Do I need Life Insurance?

This should be the first question you ask. Life insurance is used to protect you or your family from a financial loss in the event that you die unexpectedly. There can be many types of financial needs at death, including:

• Final expenses, like funeral or cremation costs, lawyer’s fees and taxes
• Paying off any outstanding loans
• An emergency fund to tide your family over through a difficult time
• A fund to cover your children’s education
• A fund to replace your lost income
• If your family has any of these financial needs when you die, then life insurance can help.

Non-Medical Life Insurance is not just for the “hard to insure” market it also for the people who have been declined Life Insurance.

Non-Medical Life Insurance is for extreme lifestyles and people that don’t want needles – simple application, easy to understand coverage, great face amounts, and extremely competitive premiums.

I am a broker for all leading suppliers of No Medical & Simplified Issue Life Insurers in Canada.

No-Medical Life Insurance is focused on helping Canadians under a variety of circumstances get Life Insurance coverage. They do not require a doctor’s visit or a medical report for most plans. You simply answer a few easy “yes” or “no” health questions. Their goal is to make Life Insurance simple to understand and easy to purchase. Learn how affordable an Insurance Plan can be obtained today by simply calling toll free to Glenn at 1-888.256.8685 for a no-obligation, completely confidential quote.

We are contracted with all major insurers and have access to the largest selection of No-Medical Life Insurance Policies.

www.cuttherisk.com

glenn@cuttherisk.com

The post Declined Life Insurance! first appeared on Insurance - Disability, Estate, Critical Illness, Travel, Life - Glenn Stewart.

Distracted Driving is a leading cause of vehicle crashes in Canada.

Distracted Driving is broadly considered to be any activity the takes hands off the wheel of the vehicle, draws eyes away from the road or simply takes the mind to another place.

What distracts us

Implied in the definition is that Distracted Driving can be several things at the same time. For example, “rubbernecking” as you pass a crash not only takes your eyes away from the road, but also distracts your mind with questions like: “What happened?” “How badly were they hurt?” “Do I know them?”

The National Highway Traffic Safety Administration (NHTSA) produced a study in 2010 listing the top causes of distraction and a measure

of the increased risk of each distraction (vs. normal driving.) Here are the results:

What the numbers tell us

• The average person reads a text in about 4.6 seconds. At 55 mph, a car travels 80 feet every second. Reading a text while driving is like driving the length of a football field blindfolded)
• At any given time during daylight hours in the U.S., Canada would similar proportionally upwards of 660,000 drivers are using their phone or texting.’
• In 2012, distracted driving accounted for nine deaths and over 1,000 injuries every day.’
• According to the CDC, 7 in 10 drivers admitted to making a call while driving, and 3 in 10 admitted to texting while driving in the 30 days leading up to the study.’

Mitigating Distraction

Plan calls

Establish times during the day when the driver can pull off the road and be available for communications (whether text, email or telephone). Work out the frequency and times, based on expected needs and the job being done.

Ignore the phone

Calls cannot always be scheduled. Establish a culture where allowing callers to leave messages to be returned at the earliest convenience (i.e., when it is safe to do so) is acceptable.

Drive defensively

Defensive driving techniques provide more time to respond to changing driving conditions.

• Pre-set temperature and radio controls.
• Clear windows of frost, ice, snow or debris before driving.
• Increase following distance. (recommend at least four seconds in normal conditions in a sedan and longer in larger vehicles or adverse conditions.)
• Understand what is occurring ahead of the vehicle. (recommend scanning at least ten seconds ahead.)
• Drive for conditions. In inclement weather, slow down and allow for increased stopping distances and poor visibility.
• Deal with distractions in a safe location, while parked.

The post Distracted Driving first appeared on Insurance - Disability, Estate, Critical Illness, Travel, Life - Glenn Stewart.

People today are living longer. Thanks to innovative diagnostics and medical treatments, it has now become the norm for people to be with more serious pre-existing health conditions to be enjoying a better quality of life, for many more years than in the past.

The good news is that there are some insurance companies that offer life insurance to people with pre-existing health conditions. For instance, health conditions such as those listed below are most likely insurable through Canada Protection Plan, Canada’s leading name in No Medical and Simplified Life Insurance:

Crohn’s/Colitis | Diabetes (Insulin) | Epilepsy | Heart Attack/Stroke | Lupus/Parkinson’s | Multiple Sclerosis | Sleep Apnea | Benign Tumors (Excluding benign brain tumors) | Blood Disorders | Depression/anxiety | History of Cancer (No reoccurrence and in remission for 3 years) | Schizophrenia/Bi-polar Disorder

If you are living with any of the conditions above, your main focus will be on maintaining or bettering your health. But at the same time, you will want to ensure that your family will be well taken care of financially. That’s where life insurance is vital. Know that there are insurance companies that could give you coverage. So do your homework and look into your options – don’t wait to be declined. And if you have been declined, you may still have an option to get coverage with a company like Canada Protection Plan.

Here’s something else important to bear in mind: insurance companies don’t merely look at the condition itself; they also look at its severity and how well you are managing it. Are you using medication consistently to keep it in check? Have you changed your diet and bumped up your exercise in an effort to maintain your health level? How much time has elapsed since your diagnosis and how long have you maintained your current health status? All this matters to an insurance provider considering your application, and could very well lead to lower premiums for you.

Also know that there are a variety of insurance plans, each offering different coverage amounts, terms and premiums. So be sure to contact Glenn Stewart a Trusted Insurance Advisor to determine which are the best options are available for you.

Finally, if you or someone you love suffers from one of these health conditions or illnesses, know that there are life insurance options out there that can provide security and peace of mind. You just need to know where to start.

Or view www.cuttherisk.com

The post Kitchener -Life Insurance with Pre-existing Health Condition first appeared on Insurance - Disability, Estate, Critical Illness, Travel, Life - Glenn Stewart.

at University or College!

I urge parents to review their insurance policies and ensure proper student insurance coverage for students moving away this fall to university or college.

In September, many Ontario students will be moving away from home to university and college campuses across the province for the first time. I suggest parents review their insurance policies with their insurance advisor or broker to ensure their coverage extends to their child’s new residence.

A common blunder is that many parents assume their current policy extends to their child. The reality is that policies vary between insurance companies. Contacting your insurance advisor or broker prior to your child leaving for school is essential in ensuring they are protected if something were to happen.

“Step one is for the parent and student to assess the content insurance coverage they will have. While some companies have a limit on this, others will measure the contents limit under the parent’s policy. Depending on the amount of personal property the student brings, there could be a large underinsurance exposure.”

Parents also need to review their liability to consider how a claim situation would affect their policy.

Parents and students should review the following questions with their insurance advisor or broker:

• -Does the parent’s liability limit automatically extend to the student’s new residence?
• -Do they have to live in the actual post-secondary school dorm facilities/accommodations or is any apartment or home covered?
• -Does the insurer require the name of school or address of the student’s location?
• -Would the normal policy deductible still apply?
• -If the parent’s policy has already had claims against it, would a claim at the student’s location jeopardize the carrier’s willingness to continue coverage?
• –If so, perhaps a tenant’s policy for the student may be advisable. This may be the best solution in any event because then the student starts their own insurance record thus not affecting their parent’s policy.c

www.cuttherisk.com

The post Student Insurance Coverage at University or College! first appeared on Insurance - Disability, Estate, Critical Illness, Travel, Life - Glenn Stewart.

Travel Insurance may be the last thing on your mind when planning on jet-setting to exotic locations across the globe or out of province but forgetting or ignoring proper Travel Insurance coverages could cost you thousands of dollars.

Get your Travel Insurance when planning your trip making sure that you can pass all medical questions before leaving home! If you travel frequently throughout the year, purchase an annual Travel Insurance Policy to cover your travel in Canada and foreign countries.

Know what Travel Insurance you are buying to avoid a vacation disaster.  Make sure you are covered for the type of activities you plan to do while out of country. Note that the “Standard Travel Insurance” may not cover you for diving or mountain climbing. You must be aware that if you have a special need or if you are going to a different kind of destination or participating in different activities, you must make sure that the Travel Insurance product that you purchase will actually cover your needs.

The Travel Insurance Industry is one of the highest paying claims groups within the Insurance Industry.  Denied claims represent 2 to 3percent of active policies.

Are you thinking of buying Travel Insurance?   

HAVE YOU:

.   research what Travel Insurance is available or are you accepting the first plan you came across?

.   spoken with your doctor or are you guessing which health conditions you are being treated for?

.  call a licensed Travel Insurance agent or are you rushing to complete the application before you board the plane?

.  read the fine print or are you making assumptions about what is and what isn’t covered under the Travel Insurance Policy that you have chosen?

.   checked out the glossary or are you relying on your friend’s interpretation of a confusing term?

.   enquired about deductibles or are you prepared to pay a lower cost now and a higher premium later?

. asked questions, questions and more questions about Travel Insurance or are you concerned you will be a bother?

Not all Provincial Health Coverages for travel are the same.  Recently, a lady visiting Ontario from Alberta had a premature baby.  She is faced with an air ambulance bill of $30,000 because the Province of Alberta does not cover this situation.  An Ontario resident would have this service covered.

QUESTION, QUESTION AND THEN QUESTION TO MAKE SURE THAT YOUR TRAVEL INSURANCE COVERS YOUR NEEDS!

The post ARE YOU TRAVELLING OUT OF PROVINCE OR COUNTRY? first appeared on Insurance - Disability, Estate, Critical Illness, Travel, Life - Glenn Stewart.

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Your Summer Planning Checklist

Fortunately, finding time to put Life Insurance plans in place doesn’t need to take up a lot of your time.

The summer season can mean time for barbeques, biking, soccer, baseball, watching beautiful sunsets and having s’mores around the campfire. The season conjures up images of lazy days in a hammock or lying poolside. However, the reality for many people consists of hectic schedules and very busy summer calendars. With kids out of school, summer camps, and running to scheduled sporting events, getting some spare time can seem challenging at times.

It’s also one of the busiest times for travel as many individuals start planning their coveted summer vacation. Out come the checklists of what needs to get packed, who needs to look after the family pets, and when the car or boat maintenance appointments are scheduled. Also do I have enough Life Insurance to pay all my liabilities or debts?

There is an easy-to-use online Life Insurance application processes such as the Fast & Full Life Application that can be completed in the comfort of your own home while Glenn Stewart walks you through the process. This process can be completed over the telephone and with computer screen sharing software, or by meeting with you in person, whichever you prefer. Online quotes exist so that you can get an understanding of how inexpensive life insurance can be.

Prioritizing the need for Life Insurance is not typically the norm, especially as thoughts turn to beaches and ice cream. However, as we head into the summer season, the reality is that we need to plan for the unexpected.  The busy summer season unfortunately, can also mean more car accidents¹.

With vacation time just around the corner, consider adding Life Insurance to your summer planning checklist.  It’s simple peace of mind knowing that your family’s financial future is more secure, making your summer that much more carefree and enjoyable.

Call me now while you are at your computer now at 1.888.256.8685 to get Life Insurance now.

The post Consider Life Insurance first appeared on Insurance - Disability, Estate, Critical Illness, Travel, Life - Glenn Stewart.