The Un-Sale

You won't find people lining up outside the offices of financial planners on Boxing Day. Likewise, Canadians won't be heading south of the border on Black Tuesday for a bargain on premiums. Insurance products never go on sale, and its due to their nature. It's not a consumer market of goods that needs clearance to make way for next season's merchandise.

It's about continuity, consistency and security.

That being said, there exists favourable times where one can take advantage of an opportunity. It is my personal ethics that define my approach to selling. I don't convince people of anything. I simply give them the facts, and if they are interested, I can sell it to them.

Currently the facts point to a window of opportunity in Critical Illness and Universal Life Insurance.

Insurance companies have to be very secure, and with low rates of return in markets worldwide, insurance funds have not achieved their projected targets over the last few years. Deductively, premiums will have  to rise between 15-17% next month, and thus are currently underpriced. This knowledge creates a "sale" of sorts, and we are happy to share this information with our clients.

Contact me for more at 1.902.444.7000 or visit my website here.

For more info, see this Financial Times article:

http://www.financialpost.com/opinion/columnists/time+insurance/5503230/story.html