A-B

C

D-E

F-H

I

J-M

N-P

Q-S

T

U-W
A

Age definition

Age and gender effect on premium

Association plans

Agent vs. broker

Assumptions (role of)


B

Bank insurance

Basic statistics

Basic terms of insurance

Basic types of insurance

Before vs. after-tax $

Beneficiary designation

Broker's service 1

Broker's service 2

Bulking up

Business aims of insurance

Business overhead protection

'Buy term, invest the difference' principle

 

 

A-B

C

D-E

F-H

I

J-M

N-P

Q-S

T

U-W
C

Canceling a policy

Capital gains tax

Capital gains taxation

Chance of disability

Changing a policy

Charity and insurance

Children, parents, grandparents ...

ComCorp

Commission

Comparison of policies 1

Comparison of policies 2

Comparison software

Competition in insurance

Concept of insurance

Costs of illnesses

Convertibility

Creditor-protection 1

Creditor-protection 2

Critical illnesses/conditions covered

Critical illness insurance availability

Critical illness insurance as rider

Critical illness insurance claims

Critical illness insurance rationale

Customer complaints

Customer protection

 

 

A-B

C

D-E

F-H

I

J-M

N-P

Q-S

T

U-W
D

Dangerous avocations

Differences in premium

Direct marketing insurance offers

Disability insurance 1

Disability insurance 2

Disability insurance 3

D.I. for self-employed, part timer, and other non-traditional clients

Disability and critical illness insurance - which one is better?

Distribution costs of insurance

Dividends of insurance policies


E

Emotions (role of)

Earning power as main asset

Estate planning 1

Estate planning 2

 

 

A-B

C

D-E

F-H

I

J-M

N-P

Q-S

T

U-W
F

Family asset transfer

Family business

Family legacy (how to create it?)

First day injury protection

Free-looking period

Funding future taxes


G

Glossaries

Government plans

Group insurance 1

Group insurance 2

Group insurance 3

Group insurance 4

Guaranteed premiums


H

Home workers' access to disability insurance

Honesty in insurance 1

Honesty in insurance 2

 

 

A-B

C

D-E

F-H

I

J-M

N-P

Q-S

T

U-W
I

Income from capital analysis

Income as limiting factor to buying insurance 1

Income as limiting factor to buying insurance 2

Income protection

Incontestability

Independent brokers' association

Indexing equity funds in UL policies

Inflation 1

Inflation 2

'Injury only' protection

Insurability 1

Insurability 2

Insurability 3

Insurance vs. lottery

Insurance vs. lottery vs. investment

Insurance industry trends

Insuring children (for protection)

Insuring children (for financial gain)

Investment within insurance policy

 

 

A-B

C

D-E

F-H

I

J-M

N-P

Q-S

T

U-W
J

Job definition in disability insurance

Joint-first-to-die insurance

Joint-last-to-die insurance


L

Life expectancy

Living benefit insurance

Living on loan with Universal Life

Long term care insurance

Long term rates

Longevity


M

Main illnesses

Marginal tax rate

Mathematics of insurance

Mental and nerve disorders

Mortgage insurance 1

Mortgage insurance 2

Mortgage insurance 3

Mortgage insurance 4

Multiple life polices

Myth of free insurance

Myth of cheap insurance offered in newspapers and by direct mail

 

 

A-B

C

D-E

F-H

I

J-M

N-P

Q-S

T

U-W
N

Need assessment 1

Need assessment 2

Need assessment 3

Need for life insurance


O

Occupational differences

On-line quotes


P

Part-time workers (disability insurance for)

Participating policies

Policy dividend

Policy fee (saving on)

Policy replacement

Predated applications

Preferred rates

Premium differences

Pretended independence

Price differences 1

Price differences 2

Price range - term insurance

Price trends - D.I. products

Price trends - life products

Purposes of insurance

 

 

A-B

C

D-E

F-H

I

J-M

N-P

Q-S

T

U-W
Q

Quit smoke incentives


R

Ranking of options

Rationale for insurance

Renewability

Retirement and Universal Life insurance

Riders 1

Riders 2

RRSP

RRSP - not enough

'Rule of 72'


S

Saving on premium

Segregated funds

Selecting policies

Self-insurance

Self labelling

Shareholder buy-sell

Sickness cost examples

Small business owners 1

Small business owners 2

Smoking cigar/pipe

Smoker - fee differences

Smokers

Sub-standard premiums

Succession planning

 

 

A-B

C

D-E

F-H

I

J-M

N-P

Q-S

T

U-W
T

Taxation & insurance 1

Taxation and insurance 2

Taxation and insurance 3

Taxation basics

Term insurance

Term insurance minimum criteria

Terminology

Time factor in calculations

Time frame importance

Time value of money 1

Time value of money 2

Traps to be avoided

 

 

A-B

C

D-E

F-H

I

J-M

N-P

Q-S

T

U-W
U

Universal Life insurance 1

Universal Life insurance 2

Universal Life insurance 4

Universal Life insurance - pros/cons

Universal Life insurance - strengths

Using experts


V

Viatical arrangements


W

WCB

WCB protection - and better options

Workers' Compensation Board

 

Top page (on personal financial planning)

Key areas:

Life and health insurance (including disability, critical illness, and long-term care protection)

If you are / have ...

These web pages are for information purposes only. The information contained and presented, while based on and obtained from sources we believe to be reliable, is not guaranteed either as to its accuracy or completeness. The content of these web pages is solely the work of the author, Laszlo Kramar.

The views (including any recommendations) expressed on these pages are those of the author alone, and they have not been approved by anybody. Neither the information nor any opinion expressed herein constitutes an offer, or an invitation to make an offer, to buy or sell any product discussed or referred to in these web sites. These web pages are for educational purposes only and are not intended for use by residents of the United Sates; nor are they intended as an offer or solicitation in any jurisdiction outside of Ontario, Canada. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

(c) Copyright 1997-2006 László Kramár. All Rights Reserved.