PPI

News

September 27

Staying compliant is essential to your practice. PPI offers an arsenal of tools in Toolkit Direct to keep you compliant and organized. Watch this video and learn more! (Advisor login required) #PPIToolkit

September 21

It’s a new world and exceeding client expectations is more important than ever. Join us October 6-7 for PPI’s 2021 Fall Symposium: BE INDISPENSABLE: Exceeding client expectations in our new world to learn more. Register (Advisor login required): #PPI

September 16

We made this little video just for you. It shows how you can save time and keep client presentations organized in Toolkit Direct. Take a couple minutes today and save yourself heaps of admin time down the line. (Advisor login required) #PPI #PPIToolkit

September 16

Fall is almost here and days are getting shorter. For some, this signals a significant change in our mood and wellbeing, read this article to find out more about seasonal affective disorder and its affects on your client and the underwriting process. #PPI

September 15

How can you be indispensable to clients? Join us October 6-7 for PPI’s 2021 Fall Symposium: BE INDISPENSABLE: Exceeding client expectations in our new world and learn how to build strong client connections. Register here (Advisor login required): #PPI

September 27

Staying compliant is essential to your practice. PPI offers an arsenal of tools in Toolkit Direct to keep you compliant and organized. Watch this video and learn more! (Advisor login required) #PPIToolkit

September 21

It’s a new world and exceeding client expectations is more important than ever. Join us October 6-7 for PPI’s 2021 Fall Symposium: BE INDISPENSABLE: Exceeding client expectations in our new world to learn more. Register (Advisor login required): #PPI

September 16

We made this little video just for you. It shows how you can save time and keep client presentations organized in Toolkit Direct. Take a couple minutes today and save yourself heaps of admin time down the line. (Advisor login required) #PPI #PPIToolkit

September 16

Fall is almost here and days are getting shorter. For some, this signals a significant change in our mood and wellbeing, read this article to find out more about seasonal affective disorder and its affects on your client and the underwriting process. #PPI

September 27

Staying compliant is essential to your practice. PPI offers an arsenal of tools in Toolkit Direct to keep you compliant and organized. Watch this video and learn more! (Advisor login required) #PPIToolkit

September 21

It’s a new world and exceeding client expectations is more important than ever. Join us October 6-7 for PPI’s 2021 Fall Symposium: BE INDISPENSABLE: Exceeding client expectations in our new world to learn more. Register (Advisor login required): #PPI

September 16

We made this little video just for you. It shows how you can save time and keep client presentations organized in Toolkit Direct. Take a couple minutes today and save yourself heaps of admin time down the line. (Advisor login required) #PPI #PPIToolkit

September 16

Fall is almost here and days are getting shorter. For some, this signals a significant change in our mood and wellbeing, read this article to find out more about seasonal affective disorder and its affects on your client and the underwriting process. #PPI

September 15

How can you be indispensable to clients? Join us October 6-7 for PPI’s 2021 Fall Symposium: BE INDISPENSABLE: Exceeding client expectations in our new world and learn how to build strong client connections. Register here (Advisor login required): #PPI

September 14

Want to tell your clients about the benefits of insurance but not sure where to start? PPI’s Your Link Between has you covered. Use YLB to share insurance articles with clients and start the conversation! Sign up today (Advisor login required).

September 9

Phew, we’ve been busy! Log on to PPI’s Insurance Needs Analysis presentation on Toolkit Direct to see updates such as a Financial Summary page with an Assumptions section and the ability to export INA graphs. Check it out today (Advisor login required):

September 8

We’re excited to announce PPI’s 2021 Fall Symposium: BE INDISPENSABLE: Exceeding client expectations in our new world. Join PPI October 6-7 as we discuss how to foster strong client relationships in these times. Register here (Advisor login required):

September 7

Join Advocis and PPI’s Jeff Stanzel at 11AM (ET) today for Advocis Coffee Talks: Asking the Right Questions in Field Underwriting where the sometimes harrowing insurance application and underwriting process is discussed. Register here (English only):

September 3

It’s all in the details! Check out PPI’s nifty little video about how to add details such as your business name and logo to your Toolkit Direct client presentations. It’s as easy as 1, 2, click and save! (Advisor login required) #PPI #PPIToolkit

August 31

PPI’s Your Link Between provides you with a custom URL, a branded site with your logo and contact information on every page. So go on, watch this video and start using Your Link Between as your secret weapon to grow your business (Advisor login required).

August 19

What if you could connect to your clients in just a few clicks? PPI’s Your Link Between allows you to share PPI articles using your business branding. Watch this video to learn more, then sign up and start connecting (Advisor login required)! #PPI

August 17

Join us tomorrow for the PPI Valet: Evolving to Meet Advisor Needs webinar at 1PM (EDT). We’ll catch you up on all the new developments in the robo-advice market and on the PPI Valet platform. You can register here (Advisor login required) (English only):

August 12

Join the members of PPI Advisory’s Planning Services team at 12PM (EDT) today for our Tax Talk webinar – we’re covering all the hot summer topics, so don’t miss out! You can still register here (Advisor login required): #TaxTalk #PPI

August 11

Inter-vivos gifting, Calmusky and Mak, an update on Bill C-208 and the Department of Finance’s response. Phew… we’ve got a lot of ground to cover on tomorrow’s PPI Advisory Tax Talk webinar, so be sure to register (Advisor login required): #TaxTalk #PPI

August 5

Inter-vivos gifting can be a great estate-planning tool, but there can be negative consequences. Join us on August 12th at 12PM (EDT) for PPI Advisory’s Tax Talk where we discuss this topic and more! Register here (Advisor login required): #TaxTalk #PPI

August 4

Ah love… such a beautiful thing, but sometimes finances and money worries can get in the way. So, how should your client manage their money to avoid these wicked pangs of love? Read this article for some great insights on money and love. #PPI #AdvisorTalk

July 29

First there was the Calmusky case. Now the opposing Mak case. Where does this leave us re. resulting trusts + beneficiary designations? Join us August 12 for PPI Advisory’s Tax Talk where we discuss these cases + more. Register (login required): #TaxTalk

July 21

Proactivity and prevention are the key to healthy, engaged employees. Today, business-owner clients need to look at employee benefits holistically and offer wellness tools proactively rather than in times of need. Read this article to find out more.

July 14

Congrats to PPI Advisory’s VP of Planning Services Diane Everett on her appointments to CALU’s Government Relations Committee and Chair of the 2022 AGM Workshop Committee. Diane’s publicly-minded efforts have also led to her appointment to STEP Canada’s Public Policy Committee.

Recent Articles

Shining a Light on Seasonal Affective Disorder (SAD) and Underwriting

September 16, 2021

Nearly 10 per cent of Canadians ages 12 and older have a mood disorder (1). One definition of mood disorder is a general emotional state or mood that interferes with one’s ability to function. Major depression disorder (MDD), anxiety and bipolar disorder (BP) are the commonly thought of mood disorders. However, are you aware that seasonal affective disorder, a form of depression, is also a mood disorder?
continue reading

Love and Money

August 4, 2021

Ah love… such a wonderful thing, but sometimes financial strains and worries can get in the way. In fact, 84% of respondents in a Money Magazine survey said that money was the source of marital tensions with disagreements about financial priorities topping the list of problems (1). So, how should your client handle their money in order to avoid these wicked pangs of love?
continue reading

A Case for Holistic and Proactive Employee Wellness

July 21, 2021

Mental health itself is nothing new. However, the ways in which we understand and approach issues related to mental health in society, and in the workplace, are constantly evolving. This is especially visible in the insurance industry, where mental health challenges account for a high percentage of long-term disability (LTD) claims, and are therefore a costly expense for many businesses (1).
continue reading

Our Advisor Community: Nick Hounsell

July 12, 2021

As a father of three, Nova Scotia Advisor Nick Hounsell, an independent Advisor affiliated with PPI, knows how important it is to encourage kids and provide them with the confidence they need to become strong leaders – leaders who then affect meaningful change within their own communities. Kids are bright, energetic, and full of potential, but sometimes they just need the right tools to help them move forward with strength and determination.
continue reading

Life vs. Living Benefits Underwriting: Consider the Differences

July 7, 2021

A look back in time helps demystify insurance underwriting
continue reading

Our Advisor Community: Aubrey DeLima

June 29, 2021

One of PPI’s core beliefs is in the essential value of Advisors in helping their clients, and in the meaningful work they do within their communities. Aubrey Delima, an independent Advisor affiliated with PPI, is one of those Advisors. For over a decade, Aubrey and her family have worked with Canuck Place, a pediatric palliative care provider for kids in BC, to raise funds. Her mission began after she lost her 9-year old daughter Lauren to congenital heart disease. Lauren taught everyone around her how to truly love and live life to the fullest. Aubrey’s eldest daughter Jenna, also diagnosed with a life-threatening disease, received support from Canuck Place too, and is thankfully now doing well at the age of 22. Our hearts are with the Delima family as they continue to raise funds for this incredible hospice and keep Lauren’s memory alive. A true inspiration.
continue reading

SMART TALK…about digital assets

June 2, 2021

Your client has been fairly savvy about their physical assets – they’ve made detailed lists and secured a representative to handle these assets when they are no longer here. However, have they considered their digital assets? Your client’s bank accounts, their social media and online family photos are valuable and need to be protected.
continue reading

Insurance Solutions for Today and Tomorrow

May 26, 2021

There are so many different options when it comes to insurance, and the stage of life that your clients are in will most certainly determine the types of conversations that you will want to engage in with them. Generally speaking, there are two types of insurance conversations that you will have with your client.
continue reading

More Articles

Helping your Business-Owner Clients Thrive in the Pandemic and Beyond

May 12, 2021

If you have a client who owns their own business, now is the time to talk to them about group employee benefits.
continue reading

Seg Funds – Protecting your Client from a Volatile Market

May 5, 2021

2020 was a volatile year for investment portfolios – and for life in general. While we hope the worst is behind us, we know that market volatility is nothing new. Remember the Y2K tech bubble, the sub-prime crisis of 2007/2008 and the Chinese stock market turbulence in 2015/2016? Each of these events saw index declines as great or greater than what we experienced in Q1 2020 as a result of the Covid-19 pandemic. This sort of market volatility can be extraordinarily distressing for your investor clients, particularly those in or nearing retirement.
continue reading

Children and COVID-19 – Are the Kids Alright?

April 29, 2021

When we first visited the topic of the novel coronavirus in March 2020, just over 100,000 cases had been reported worldwide. At this time, in late March 2021, the World Health Organization reports well over 120 million cases and regrettably, the loss of nearly 3 million lives. The global pandemic that is COVID-19 has affected 223 countries. In Canada, we are closing in on 1 million cases and almost 24,000 deaths (1). We have already discussed the economic and social devastation wrought by the virus. The good news has been both a new and renewed understanding of containment and mitigation to halt the spread of human-to-human viruses and the unprecedented speed of delivery of what appears to be highly effective vaccines. Mass vaccination should help usher in a new era of normalcy.
continue reading

The Power of Compound Interest for Your Client

April 21, 2021

If your clients dabble in the world of investments, they should know about the power of compounding interest on their investment accounts. That is, the money they invest today – let’s say $100 at a 5% annual interest rate – will earn them $105 in one year. Likewise, if they take that $105 and re-invest it yet again at 5% the following year, your client will earn $110.25, and so on, year after year.
continue reading

The Family Divide – Policy Transfers Between Family

April 8, 2021

Life is an uncertain road and for your client, circumstances may change where they one day need to transfer ownership of their personally owned life insurance. It does happen and in many cases, the transfer results in a taxable disposition of the life insurance. However, there are some tax-deferred “rollovers” available for transfers to spouses and children.
continue reading

The Estate Wedge

March 31, 2021

An estate wedge is a planning strategy that can provide tangible solutions for your clients and provide you, as their Advisor, with an excellent opportunity to demonstrate your value.
continue reading

Employee Benefits – Help Your Business-Owner Clients Protect Their Business

March 25, 2021

Spring has sprung and we are now one full year into the COVID-19 pandemic – a pandemic which none of us could foresee and one which has altered the very way we live our lives and conduct business. Whether it be working from home or maintaining the frontline, all of us have had to make some adjustments over the course of the year and it is believed that at least some of these adjustments are here to stay. Which is why now more than ever, it is important to schedule some time to speak with your business-owner clients about whether they offer employee benefits and if so, whether their chosen plan is right for them, their employees and their business.
continue reading

SMART TALK… about registered education savings plans (RESPs)

March 17, 2021

If your client has a child, they may be interested in a Registered Education Savings Plan (or RESP). This plan is a smart way for them to help lay the groundwork for their child’s learning while maximizing their investments via government grants and tax-deferred growth of the investments within the RESP. It’s a win-win for you and your client!
continue reading

Loneliness – How Risky Can It Get?

March 10, 2021

“Loneliness is the ultimate poverty” (1). So said the everyday philosopher Pauline Philips, better known to millions as “Dear Abby”, the legendary advice columnist. The theme of loneliness runs deep in our past and present society, inspiring music, literature, film and a long list of commercial endeavours to alleviate what another great legend, Bob Dylan, described as “endless emptiness” (2). It’s all a little grim. In more clinical terms, it can be described as a subjective feeling related to the lack of social relations or simply a sense of disconnectedness or isolation (3).
continue reading

Critical Illness Insurance – Financial Protection for Your Client

March 3, 2021

Critical illness insurance (CI) is still one of the most compelling protection products on the market today. In addition to providing lump-sum payments in the event of 20+ major illnesses, it also gives your client flexible options to return their premiums (in full!) should they live a long and healthy life.
continue reading

Term Insurance – What Your Client Should Consider For Renewal

February 17, 2021

You already know the benefits of term insurance, one of them being its lower cost when it comes to covering a larger temporary need. Term insurance helps your client to maintain their same standard of living by providing income replacement, and even paying off existing debt. So far, pretty impressive.
continue reading

Gene Therapy – The Fix Is (Almost) In

February 11, 2021

Since its completion in 2003, the Human Genome Project has garnered a great deal of attention for genetic testing. All of this focus has resulted in the identification and mapping of the three-billion pairs of human gene structure, known as the genome. Today, geneticists can perform many different types of analyses that have never been seen before, including deep sequencing, RNA sequencing and epigenomics, the overall study of the complete set of epigenetic modifications on the genetic material of a cell – all of these allow scientists to study the expression of genetic patterns from person-to-person and more.
continue reading

Recent Articles

Shining a Light on Seasonal Affective Disorder (SAD) and Underwriting

September 16, 2021

Nearly 10 per cent of Canadians ages 12 and older have a mood disorder (1). One definition of mood disorder is a general emotional state or mood that interferes with one’s ability to function. Major depression disorder (MDD), anxiety and bipolar disorder (BP) are the commonly thought of mood disorders. However, are you aware that seasonal affective disorder, a form of depression, is also a mood disorder?
continue reading

Love and Money

August 4, 2021

Ah love… such a wonderful thing, but sometimes financial strains and worries can get in the way. In fact, 84% of respondents in a Money Magazine survey said that money was the source of marital tensions with disagreements about financial priorities topping the list of problems (1). So, how should your client handle their money in order to avoid these wicked pangs of love?
continue reading

A Case for Holistic and Proactive Employee Wellness

July 21, 2021

Mental health itself is nothing new. However, the ways in which we understand and approach issues related to mental health in society, and in the workplace, are constantly evolving. This is especially visible in the insurance industry, where mental health challenges account for a high percentage of long-term disability (LTD) claims, and are therefore a costly expense for many businesses (1).
continue reading

Our Advisor Community: Nick Hounsell

July 12, 2021

As a father of three, Nova Scotia Advisor Nick Hounsell, an independent Advisor affiliated with PPI, knows how important it is to encourage kids and provide them with the confidence they need to become strong leaders – leaders who then affect meaningful change within their own communities. Kids are bright, energetic, and full of potential, but sometimes they just need the right tools to help them move forward with strength and determination.
continue reading

Life vs. Living Benefits Underwriting: Consider the Differences

July 7, 2021

A look back in time helps demystify insurance underwriting
continue reading

Our Advisor Community: Aubrey DeLima

June 29, 2021

One of PPI’s core beliefs is in the essential value of Advisors in helping their clients, and in the meaningful work they do within their communities. Aubrey Delima, an independent Advisor affiliated with PPI, is one of those Advisors. For over a decade, Aubrey and her family have worked with Canuck Place, a pediatric palliative care provider for kids in BC, to raise funds. Her mission began after she lost her 9-year old daughter Lauren to congenital heart disease. Lauren taught everyone around her how to truly love and live life to the fullest. Aubrey’s eldest daughter Jenna, also diagnosed with a life-threatening disease, received support from Canuck Place too, and is thankfully now doing well at the age of 22. Our hearts are with the Delima family as they continue to raise funds for this incredible hospice and keep Lauren’s memory alive. A true inspiration.
continue reading

More Articles

SMART TALK…about digital assets

June 2, 2021

Your client has been fairly savvy about their physical assets – they’ve made detailed lists and secured a representative to handle these assets when they are no longer here. However, have they considered their digital assets? Your client’s bank accounts, their social media and online family photos are valuable and need to be protected.
continue reading

Insurance Solutions for Today and Tomorrow

May 26, 2021

There are so many different options when it comes to insurance, and the stage of life that your clients are in will most certainly determine the types of conversations that you will want to engage in with them. Generally speaking, there are two types of insurance conversations that you will have with your client.
continue reading

Helping your Business-Owner Clients Thrive in the Pandemic and Beyond

May 12, 2021

If you have a client who owns their own business, now is the time to talk to them about group employee benefits.
continue reading

Seg Funds – Protecting your Client from a Volatile Market

May 5, 2021

2020 was a volatile year for investment portfolios – and for life in general. While we hope the worst is behind us, we know that market volatility is nothing new. Remember the Y2K tech bubble, the sub-prime crisis of 2007/2008 and the Chinese stock market turbulence in 2015/2016? Each of these events saw index declines as great or greater than what we experienced in Q1 2020 as a result of the Covid-19 pandemic. This sort of market volatility can be extraordinarily distressing for your investor clients, particularly those in or nearing retirement.
continue reading

Children and COVID-19 – Are the Kids Alright?

April 29, 2021

When we first visited the topic of the novel coronavirus in March 2020, just over 100,000 cases had been reported worldwide. At this time, in late March 2021, the World Health Organization reports well over 120 million cases and regrettably, the loss of nearly 3 million lives. The global pandemic that is COVID-19 has affected 223 countries. In Canada, we are closing in on 1 million cases and almost 24,000 deaths (1). We have already discussed the economic and social devastation wrought by the virus. The good news has been both a new and renewed understanding of containment and mitigation to halt the spread of human-to-human viruses and the unprecedented speed of delivery of what appears to be highly effective vaccines. Mass vaccination should help usher in a new era of normalcy.
continue reading

The Power of Compound Interest for Your Client

April 21, 2021

If your clients dabble in the world of investments, they should know about the power of compounding interest on their investment accounts. That is, the money they invest today – let’s say $100 at a 5% annual interest rate – will earn them $105 in one year. Likewise, if they take that $105 and re-invest it yet again at 5% the following year, your client will earn $110.25, and so on, year after year.
continue reading

The Family Divide – Policy Transfers Between Family

April 8, 2021

Life is an uncertain road and for your client, circumstances may change where they one day need to transfer ownership of their personally owned life insurance. It does happen and in many cases, the transfer results in a taxable disposition of the life insurance. However, there are some tax-deferred “rollovers” available for transfers to spouses and children.
continue reading

The Estate Wedge

March 31, 2021

An estate wedge is a planning strategy that can provide tangible solutions for your clients and provide you, as their Advisor, with an excellent opportunity to demonstrate your value.
continue reading

Employee Benefits – Help Your Business-Owner Clients Protect Their Business

March 25, 2021

Spring has sprung and we are now one full year into the COVID-19 pandemic – a pandemic which none of us could foresee and one which has altered the very way we live our lives and conduct business. Whether it be working from home or maintaining the frontline, all of us have had to make some adjustments over the course of the year and it is believed that at least some of these adjustments are here to stay. Which is why now more than ever, it is important to schedule some time to speak with your business-owner clients about whether they offer employee benefits and if so, whether their chosen plan is right for them, their employees and their business.
continue reading

SMART TALK… about registered education savings plans (RESPs)

March 17, 2021

If your client has a child, they may be interested in a Registered Education Savings Plan (or RESP). This plan is a smart way for them to help lay the groundwork for their child’s learning while maximizing their investments via government grants and tax-deferred growth of the investments within the RESP. It’s a win-win for you and your client!
continue reading

Loneliness – How Risky Can It Get?

March 10, 2021

“Loneliness is the ultimate poverty” (1). So said the everyday philosopher Pauline Philips, better known to millions as “Dear Abby”, the legendary advice columnist. The theme of loneliness runs deep in our past and present society, inspiring music, literature, film and a long list of commercial endeavours to alleviate what another great legend, Bob Dylan, described as “endless emptiness” (2). It’s all a little grim. In more clinical terms, it can be described as a subjective feeling related to the lack of social relations or simply a sense of disconnectedness or isolation (3).
continue reading

Critical Illness Insurance – Financial Protection for Your Client

March 3, 2021

Critical illness insurance (CI) is still one of the most compelling protection products on the market today. In addition to providing lump-sum payments in the event of 20+ major illnesses, it also gives your client flexible options to return their premiums (in full!) should they live a long and healthy life.
continue reading

Term Insurance – What Your Client Should Consider For Renewal

February 17, 2021

You already know the benefits of term insurance, one of them being its lower cost when it comes to covering a larger temporary need. Term insurance helps your client to maintain their same standard of living by providing income replacement, and even paying off existing debt. So far, pretty impressive.
continue reading

Gene Therapy – The Fix Is (Almost) In

February 11, 2021

Since its completion in 2003, the Human Genome Project has garnered a great deal of attention for genetic testing. All of this focus has resulted in the identification and mapping of the three-billion pairs of human gene structure, known as the genome. Today, geneticists can perform many different types of analyses that have never been seen before, including deep sequencing, RNA sequencing and epigenomics, the overall study of the complete set of epigenetic modifications on the genetic material of a cell – all of these allow scientists to study the expression of genetic patterns from person-to-person and more.
continue reading

Recent Articles

Shining a Light on Seasonal Affective Disorder (SAD) and Underwriting

September 16, 2021

Nearly 10 per cent of Canadians ages 12 and older have a mood disorder (1). One definition of mood disorder is a general emotional state or mood that interferes with one’s ability to function. Major depression disorder (MDD), anxiety and bipolar disorder (BP) are the commonly thought of mood disorders. However, are you aware that seasonal affective disorder, a form of depression, is also a mood disorder?
continue reading

Love and Money

August 4, 2021

Ah love… such a wonderful thing, but sometimes financial strains and worries can get in the way. In fact, 84% of respondents in a Money Magazine survey said that money was the source of marital tensions with disagreements about financial priorities topping the list of problems (1). So, how should your client handle their money in order to avoid these wicked pangs of love?
continue reading

A Case for Holistic and Proactive Employee Wellness

July 21, 2021

Mental health itself is nothing new. However, the ways in which we understand and approach issues related to mental health in society, and in the workplace, are constantly evolving. This is especially visible in the insurance industry, where mental health challenges account for a high percentage of long-term disability (LTD) claims, and are therefore a costly expense for many businesses (1).
continue reading

Our Advisor Community: Nick Hounsell

July 12, 2021

As a father of three, Nova Scotia Advisor Nick Hounsell, an independent Advisor affiliated with PPI, knows how important it is to encourage kids and provide them with the confidence they need to become strong leaders – leaders who then affect meaningful change within their own communities. Kids are bright, energetic, and full of potential, but sometimes they just need the right tools to help them move forward with strength and determination.
continue reading

More Articles

Life vs. Living Benefits Underwriting: Consider the Differences

July 7, 2021

A look back in time helps demystify insurance underwriting
continue reading

Our Advisor Community: Aubrey DeLima

June 29, 2021

One of PPI’s core beliefs is in the essential value of Advisors in helping their clients, and in the meaningful work they do within their communities. Aubrey Delima, an independent Advisor affiliated with PPI, is one of those Advisors. For over a decade, Aubrey and her family have worked with Canuck Place, a pediatric palliative care provider for kids in BC, to raise funds. Her mission began after she lost her 9-year old daughter Lauren to congenital heart disease. Lauren taught everyone around her how to truly love and live life to the fullest. Aubrey’s eldest daughter Jenna, also diagnosed with a life-threatening disease, received support from Canuck Place too, and is thankfully now doing well at the age of 22. Our hearts are with the Delima family as they continue to raise funds for this incredible hospice and keep Lauren’s memory alive. A true inspiration.
continue reading

SMART TALK…about digital assets

June 2, 2021

Your client has been fairly savvy about their physical assets – they’ve made detailed lists and secured a representative to handle these assets when they are no longer here. However, have they considered their digital assets? Your client’s bank accounts, their social media and online family photos are valuable and need to be protected.
continue reading

Insurance Solutions for Today and Tomorrow

May 26, 2021

There are so many different options when it comes to insurance, and the stage of life that your clients are in will most certainly determine the types of conversations that you will want to engage in with them. Generally speaking, there are two types of insurance conversations that you will have with your client.
continue reading

Helping your Business-Owner Clients Thrive in the Pandemic and Beyond

May 12, 2021

If you have a client who owns their own business, now is the time to talk to them about group employee benefits.
continue reading

Seg Funds – Protecting your Client from a Volatile Market

May 5, 2021

2020 was a volatile year for investment portfolios – and for life in general. While we hope the worst is behind us, we know that market volatility is nothing new. Remember the Y2K tech bubble, the sub-prime crisis of 2007/2008 and the Chinese stock market turbulence in 2015/2016? Each of these events saw index declines as great or greater than what we experienced in Q1 2020 as a result of the Covid-19 pandemic. This sort of market volatility can be extraordinarily distressing for your investor clients, particularly those in or nearing retirement.
continue reading

Children and COVID-19 – Are the Kids Alright?

April 29, 2021

When we first visited the topic of the novel coronavirus in March 2020, just over 100,000 cases had been reported worldwide. At this time, in late March 2021, the World Health Organization reports well over 120 million cases and regrettably, the loss of nearly 3 million lives. The global pandemic that is COVID-19 has affected 223 countries. In Canada, we are closing in on 1 million cases and almost 24,000 deaths (1). We have already discussed the economic and social devastation wrought by the virus. The good news has been both a new and renewed understanding of containment and mitigation to halt the spread of human-to-human viruses and the unprecedented speed of delivery of what appears to be highly effective vaccines. Mass vaccination should help usher in a new era of normalcy.
continue reading

The Power of Compound Interest for Your Client

April 21, 2021

If your clients dabble in the world of investments, they should know about the power of compounding interest on their investment accounts. That is, the money they invest today – let’s say $100 at a 5% annual interest rate – will earn them $105 in one year. Likewise, if they take that $105 and re-invest it yet again at 5% the following year, your client will earn $110.25, and so on, year after year.
continue reading

The Family Divide – Policy Transfers Between Family

April 8, 2021

Life is an uncertain road and for your client, circumstances may change where they one day need to transfer ownership of their personally owned life insurance. It does happen and in many cases, the transfer results in a taxable disposition of the life insurance. However, there are some tax-deferred “rollovers” available for transfers to spouses and children.
continue reading

The Estate Wedge

March 31, 2021

An estate wedge is a planning strategy that can provide tangible solutions for your clients and provide you, as their Advisor, with an excellent opportunity to demonstrate your value.
continue reading

Recent Articles

Shining a Light on Seasonal Affective Disorder (SAD) and Underwriting

September 16, 2021

Nearly 10 per cent of Canadians ages 12 and older have a mood disorder (1). One definition of mood disorder is a general emotional state or mood that interferes with one’s ability to function. Major depression disorder (MDD), anxiety and bipolar disorder (BP) are the commonly thought of mood disorders. However, are you aware that seasonal affective disorder, a form of depression, is also a mood disorder?
continue reading

Love and Money

August 4, 2021

Ah love… such a wonderful thing, but sometimes financial strains and worries can get in the way. In fact, 84% of respondents in a Money Magazine survey said that money was the source of marital tensions with disagreements about financial priorities topping the list of problems (1). So, how should your client handle their money in order to avoid these wicked pangs of love?
continue reading

More Articles

A Case for Holistic and Proactive Employee Wellness

July 21, 2021

Mental health itself is nothing new. However, the ways in which we understand and approach issues related to mental health in society, and in the workplace, are constantly evolving. This is especially visible in the insurance industry, where mental health challenges account for a high percentage of long-term disability (LTD) claims, and are therefore a costly expense for many businesses (1).
continue reading

Our Advisor Community: Nick Hounsell

July 12, 2021

As a father of three, Nova Scotia Advisor Nick Hounsell, an independent Advisor affiliated with PPI, knows how important it is to encourage kids and provide them with the confidence they need to become strong leaders – leaders who then affect meaningful change within their own communities. Kids are bright, energetic, and full of potential, but sometimes they just need the right tools to help them move forward with strength and determination.
continue reading

Life vs. Living Benefits Underwriting: Consider the Differences

July 7, 2021

A look back in time helps demystify insurance underwriting
continue reading

Our Advisor Community: Aubrey DeLima

June 29, 2021

One of PPI’s core beliefs is in the essential value of Advisors in helping their clients, and in the meaningful work they do within their communities. Aubrey Delima, an independent Advisor affiliated with PPI, is one of those Advisors. For over a decade, Aubrey and her family have worked with Canuck Place, a pediatric palliative care provider for kids in BC, to raise funds. Her mission began after she lost her 9-year old daughter Lauren to congenital heart disease. Lauren taught everyone around her how to truly love and live life to the fullest. Aubrey’s eldest daughter Jenna, also diagnosed with a life-threatening disease, received support from Canuck Place too, and is thankfully now doing well at the age of 22. Our hearts are with the Delima family as they continue to raise funds for this incredible hospice and keep Lauren’s memory alive. A true inspiration.
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SMART TALK…about digital assets

June 2, 2021

Your client has been fairly savvy about their physical assets – they’ve made detailed lists and secured a representative to handle these assets when they are no longer here. However, have they considered their digital assets? Your client’s bank accounts, their social media and online family photos are valuable and need to be protected.
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