eNewsletter
Bulletin Volume 1, Edition 7, March 8th, 2007
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Who Helps Us?
Adam Miller is a Full-Time Student at the John Molson School of Business.
He is in his second year at Concordia University, Montreal and helps
us with our marketing campaigns, data entry and other administrative
duties once a week from his residence in Dollard-des-Ormeaux, Quebec.
He drops by every other week to help with filing.
William Proulx-Latour is a Graduate of John Abbott College and is
our Webmaster. William helps us daily for an hour or so weekdays with
technical support and updates to our Website.
Jackie Saeul is my Spouse. She has worked for over 15 years as an
Insurance Executive and is retired now. Jackie helps us at our Home
Office by going out to stand in line at the local Post Office to mail
our letters and to buy office supplies when our supplies run low.
Smoker? How To Pay Less & Save Thousands On Life Insurance.
by Michael Challiner
"No-one said it would be easy but giving up smoking is really
worthwhile and it’s a perfectly achievable aim. Why not join
the band of ex-smokers, starting from today? If are you now a reformed
smoker, we have some even better news for you.
You can expect more than increased life expectancy and a vast improvement
in your well-being if you quit smoking. The saving in your life insurance
premiums will be noticeable too. Whilst it’s true that you might
have to wait a little while before this last saving is within your
grasp, in the meantime your savings on cigarettes can make quite a
difference to your pocket.
It’s quite usual to find that insurance companies require you
to have had a five year smoke-free period. Technically they say “not
smoked or used nicotine products”.
There are, however, some insurers who’ll reward you for your
good behaviour by reducing the non-smoking period to just 12 months.
If you can, hand on heart, say that you’ve refrained from smoking
for a whole year, then find out what your insurers stance is on this.
If you can do better, then do your homework and consider changing
to a more sympathetic insurer. As a smoker you’ll have been
paying in the region of 60% more for your life insurance cover so
savings are on the cards. At this stage, leave your old cover in place.
You don’t want to leave yourself uninsured and shouldn’t
do anything hasty until you have acceptance, in writing, from your
new insurer.
To find out all about changing your insurance company you’ll
need to find a life insurance broker. The internet is the best place
to look. Comparison sites will not be particularly useful as they
won’t give the information regarding the non-smoking period.
Your online broker will be able to give you all the information that
you need, make comparisons for you, bearing the 12 month rule in mind.
There’s an on-line discount too. Start off by talking to a human
being and explaining your situation!
Your quotes will come through quickly. You can then compare these
with what your current policy is costing you, which will of course
have been worked out when you were a smoker. It’s the overall
cost that counts and we think you may be quite impressed with the
saving. There is no limit to the amount of help and quotations you
can receive, your broker will be happy to help and there’s no
obligation on your part.
When you have pinpointed a particular quotation that interests you
and has the 12 month condition, it’ll be time to complete an
application form. Do go through this carefully and read every question.
Answer in full and be completely honest. Sometimes people try to reduce
the premium by trying to put in the answer they think the insurer
wants to hear, rather than the truth, the whole truth and nothing
but the truth. It’s simply not worth it.
The first price which you were quoted would be the insurance company’s
standard terms. The questions regarding things like health and weight
may have some effect on the final figure. By leaving your current
insurance in place, you’ll have time to consider the quotation
and make sure that you have the saving your twelve months of good
behaviour deserves.
Don’t be discouraged from switching insurers, it’s very
little trouble as far as you’re concerned and it’s what
the broker is there for.
Don’t put it off. Start the ball rolling today."*
eArticle Source: http://EzineArticles.com/?expert=Michael_Challiner
*
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--------------------------------------------
Daniel La Tour
JustinCase.
JustinCaseInsurance.com
Canadian Independent Insurance Broker
Financial Security Advisor
Conseiller en securite financiere
Mutual Fund Representative (Quebec)
Courier Address:
147 Place Terry Fox,
Kirkland, Quebec
H9H 4Z5
Email: daniel.latour@justincaseinsurance.com
Website: www.JustinCaseInsurance.com
(514) 630-6116
Toll-Free: 1-888-977-7778
Toll-Free Fax: 1-888-637-2636
MSN Messenger: latourdaniel@msn.com
"We Make Sure You Have Enough Insurance, For Less Money ! "
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