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Tag Archives: Disability Insurance

Marijuana and the Insurance Industry

 

Terry Zavitz

Terry Zavitz

With the 2014 changes to the Marijuana for Medical Purposes Regulations, and the recent election of Justin Trudeau who included, as an election promise, to legalize the recreational use of marijuana, it appears the road to a liberalized approach (no pun intended) to the use of this drug is opening up. But what are the repercussions from an insurance perspective? The landscape is much more complex in this regard.

Here’s what you need to know:

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Insurance for the Risky Client

 

Samantha Way

Samantha Gowers

The process of applying for insurance isn’t always a fun one; there’s a lot of discussion, questions, fact checking, poking, prodding and signing. In the end, you’re usually happy the process is over and you can rest easy knowing you and your family are protected. But what happens when the insurance company just says “no”?

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Mortgage Shopping: It Can Save You Thousands but Don’t Forget the Insurance

 

Terry Zavitz

Terry Zavitz

Recently I had a client who was renewing the mortgage on a commercial property that she owned. She accepted the bank’s terms thinking that as a long-time customer they would give her the best rate. She quickly learned that a better interest rate was available with a competing bank and the difference would save her $10,000 of interest payments over 5 years. Luckily she had not officially agreed to the initial rate and she was able to negotiate an even lower rate than the competing bank was able to offer, saving her almost $13,000 in interest payments.

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