When you visit your doctor, do they ask open-ended general questions about how you are doing? “How’s life?” they...
Archive for category: Life Insurance Underwriting
The Implications of E-cigarettes on Life Insurance*
Russ Smart MBA, , Advisor Voice, Life Insurance UnderwritingE-cigarettes use a liquid-filled cartridge that is vaporized into a mist or vapour that is breathed into the lungs....
How to Avoid Your Application Rated or Declined
Russ Smart MBA, , Advisor Voice, Life Insurance UnderwritingIt is common for us to meet prospective clients who were previously rated or declined on an earlier insurance...
How Marijuana Use Affect Your Chances of Getting Insurance?
Russ Smart MBA, , Advisor Voice, Life Insurance UnderwritingThe numbers are in, and it appears that Canadians like to smoke marijuana. Surveys suggest that between 9% and...
8 Reasons Your Life Insurance Claim Will Get Denied
Russ Smart MBA, , Advisor Voice, Life Insurance UnderwritingLife Insurance provides peace-of-mind. In the unfortunate event of your death, your family will be taken care of, right?...
How a Non-Smoker Got Rated as Smoker for Insurance
Russ Smart MBA, , Advisor Voice, Life Insurance UnderwritingDave just got offered a smokers rate for his life insurance policy for the second time in four months...
We Urge You to be Honest on Your Insurance Application
Russ Smart MBA, , Advisor Voice, Life Insurance UnderwritingA Family’s Life Insurance Claim Is Denied What a sad situation for the children. A family man in his...
Life Insurance Medial Exam in Your Own Home
Russ Smart MBA, , Advisor Voice, Life Insurance UnderwritingIt is common for life insurance companies to require a medical exam during the application process of a life...
LIFE INSURANCE 101
DISABILITY INSURANCE 101
LONG-TERM CARE INSURANCE 101
Videos shown above courtesy of Life Happens. IDC Insurance is an affiliate member of Life Happens PRO.
WHY CANADIANS CHOOSE US
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Thanks for your help and excellent service with my life insurance. I appreciate all the work you have put in to get the result I was looking for. (more…)
Tracadie-Sheila, NB -
I have recently purchased life insurance from Monika. My ten year term was coming to an end and my provider was asking for a huge increase (more…)
Toronto, ON -
Thank you Monika, you have presented me with great options and choices, it was even difficult to choose between them, they were all good! (more…)
Stittsville, ON -
I wanted to thank you very sincerely for all your great work and wonderful service; for not giving up on us despite our far from ideal communication (more…)
Ottawa, ON -
I am very appreciative of the way you have informed and supported me through the process of choosing a life insurance policy that meets my (more…)
Trout Brook, NB