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Chris Funnell
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Presentation at the 2016 Canada Sales Congress about TermCanada.com’s “high tech, high touch” protocols for selling term life insurance over the phone.
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A recent survey about life insurance where people chose among fictional characters and decided who needed life insurance the most. Not surprisingly the superheroes beat out the cartoon parents!

But the fact of the matter is Fred Flintstone and Marge Simpson are parents, they've got dependents. They need life insurance.
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“What’s interesting about life insurance is that we know that most people value it,” said Todd A. Silverhart, director of insurance research at Limra, an insurance trade organization. “But we also know that there’s a lot of confusion in consumers’ minds in how to go about buying it, how much they need, who to buy it from.”

Mr. Silverhart of Limra said that for a 20-year, $250,000 term life insurance policy, about 80 percent of consumers overestimated the annual cost, making it seem less affordable.
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These folks had so completely identified with Rob Ford that they couldn’t cut him loose. They’d made him their hero and had congratulated themselves on making such a smart choice.

If Ford had screwed up, Kouvalis explained, so had they. “They don’t want to admit it because that means they fucked up in their life. They had an opportunity, and they blew it. They don’t want to admit that to themselves.
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In America, a shocking rise in mortality for white, middle aged men & women. The rise was almost entirely due to increased deaths among those with a high school diploma or less.

The data suggests why much of American politics may be taking on an increasingly harsh and desperate quality.

It will be interesting to see if this life expectancy trend comes to Canada. And what effect, if any, this will have on life insurance rates in Canada.
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Interesting study done in the U.K. - and the results would likely be similar here in Canada as well.

As Life Insurance Brokers we have an important responsibility ... to make life insurance more easily understood, so that more people realize they can afford it.

It's unsettling that there are many families out there (especially young families) that either have little or no life insurance in place - simply because they think it costs too much.

As an example of how affordable life insurance can be - here in Canada, a $500,000 20-Year Term Life Plan, for a 35 year old male non-smoker, costs just $36.64 a month (RBC Life, standard non-smoker rate).
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Smoking Can Cost You $1 Million to $2 Million in a Lifetime

It’s hard for the average person—specifically, the average smoker—to wrap one’s brain around such an enormous figure.

I wonder if the fact that smokers pay double for their life insurance factored in to the calculation?

Even if the figures are on the inflated side, it’s an undeniable reality that the smoking habit costs big bucks over a lifetime. And oh yeah, it can make your lifetime a lot shorter.
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TermCanada.com is excited to be working with Feefo - The Global Feedback Company. In just a few days, 14 of our customers have already provided feedback about us. Thank you!

These real reviews from real customers will give us a better understanding of what people like about our service, and will help us learn from any negative experiences. Our goal is that the Feefo feedback will be feedback people can trust.
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There’s a great deal of truth to the praise for Canada. Its fiscal choices have shown how a country can maintain a strong social safety net while taxing and spending efficiently and encouraging private investment.

Openness to trade and skilled immigration have made Canada an attractive place to invest.
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The president’s call that day jolted the Canadians awake. It convinced Harper that Obama was treating a long-presumed “special relationship” between Canada and the U.S., enshrined in the 1989 Free Trade Agreement, as a political football.

It would set a brittle tone on both sides of the border as the Keystone battle became a contest of contrasting political wills and sensibilities as much as a fight over oil development.
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