MDRT 2010 Speaker Request

For those MDRT friends of mine who would like to make a suggestion for the main platform 2010, here is a short window of opprotunity. While planning is well underway, if you have a suggestion, please act quickly.

I am looking for ONE suggestion from you.

"Of all the people that you have ever seen in the world..., if you were given the responsibility to pick ONE speaker only, who would you stake your reputation on? Who is that one person that MDRT needs to hear? I need a name, topic and contact info.

Medical Student Disability Insurance

Medical Students in Canada who are members of the Canadian Federation of Medical Students (CFMS) have a great advantage when it comes to disability coverage. Members may enroll for coverage and unless they have been declined coverage before, their enrollment is guaranteed. This product is underwriten by the RBC Insurance. This provides life long disability coverage even for students who currently have health issues. (A pre-exculsion period may be added).

Generally, students are insurable however the "guaranteed issue" benefit can still be usefull. Since the policy may contain a "Future Income Option", members may add to their policy in later years, and may never need to prove good health when their income increases.

Other benefits of the CFMS plan are;
Guaranteed Definitions, Guaranteed Premiums, World Wide Portability, and membership is not required in the future. In fact, the policy goes as far to say that your occupation may change in the future and the policy will still remain in force- Guaranteed.

Term Insurance - 10 yr term vs. 20 yr term- cost

The cost of term life insurnce has reduced in recent years in part due to the fact that we are living longer. Policies sold under a 10 year term have a premium which is guaranteed in 10 year blocks. As each 10 year period goes by, the premium will increase to a predetermined level. The longer you own the coverage, the higher the premium goes.

If you need for term insurance expires within the first 10 years, this is a very useful product. If your insurnace need will last for more than 10 years, you may be well advised to consider a 20 year term product. Within the 20 year term policy, the premium is higher then the 10 year term policy however the premiums in the later half of the 20 year term are quite faverable.

Calculated to the 20th year, the 10 year term becomes more costly overall.

Introduction of Living Benefits Atlantic Limited

Living Benefits Atlantic Limited is a financial planning firm located in Halifax NS, Canada. Owned and operated by Corry Collins CLU, CHFC CFP RHU. Corry has been a financial planner since 1986 and specializes in the financial matters of Physicians and our other clients.

We are a risk based firm and work specifically with Disability Insurance, Life Insurance, Critical Illness Insurance and finances of physicians.

We welcome your questions. Medical Students, Residents, Staff physicians, may post all of their questions.
Underwriting questions? Amounts of coverage avaliable? Insurance health questions? How to apply? Ask it all.
our phone number is 902-444-7000 if you have a personal question.

Corry