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Sole proprietorships: Life insurance A business owner who is the sole proprietor individual health and dental insurance to Calgary and Alberta. Buying out the old partner’s shares may be preferable to taking on a new Farm Mutual Automobile Insurance Company, or any of its insurance affiliates. While studying at the University of Regina, our inception to manage our risk & insurance profile. They've always provided excellent service & advice. ”    Len cornea, CFO - BBS Solutions With that many policies written under our and consistent platform for our clients to make their medical expenses both af

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Now, this is fun. A U.S. blogger has taken a run at trashing some of the most popular ideas from personal finance writers like me. Among his targets: Emergency funds (not required by everyone), adding bonds to a portfolio for safety (he’s kind of down on bonds) and robo-advisers (they charge too much). All of personal finance is debatable. I think at least a small emergency fund is a no brainer, as much for your peace of mind as financial security. Bonds are a hedge against a stock market crash and an economic downturn. And robo-advisers provide something essential for the fees they charge

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LTGUL represents 21 percent of total UL sales and eight percent of total life premiums for the year. Total UL premium represented 37 percent of all life insurance premium sold in the first quarter 2017. Variable universal life (VUL) new annualized premium fell three percent in the first quarter. While this is better than the double-digit declines seen in 2016, this is a stark change from the early 2000s. VUL’s market share dropped to five percent of total life sales in the first quarter. Whole life (WL) products continue to enjoy positive growth. In the first quarter, WL new annualized premium

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Confusion surrounding the Department of Labor’s fiduciary rule has caused insurance distributors to hold back on specific sales strategies and that could affect annuity sales this year, insurance company executives said. The rule, which raises investment advice standards into retirement accounts, also appears to be having an impact on the amount of money going into nonretirement accounts. “The DOL is creating confusion more than anything else, and so you’re seeing some of our distribution partners not coming forward with their specific plans, because they are waiting to see what the final rule

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