Posts Tagged “consumer”
PART 2: VALUE BASED ANALYSIS – LOST IN TRANSLATION By Richard Proteau: http://www.amazon.ca/Unraveling-Universal-Life-Richard-Proteau/dp/1503246167 Advice is in the end all about value. Without value there is no need for advisors. Discover the true value of life insurance by using the only application that can do a pre-estimate of the Fair Market Value of…
PART 1) COST BASE ANALYSIS “The greatest lie made by the insurance industry is to represent that $1 in illustrated value, the result of a constant rate of return, can be translated and is the equivalent of $1 of real and actual cash value, the result of a rate of return that changes…
Learn more about the Universal Life Scam: http://www.amazon.ca/Unraveling-Universal-Life-Richard-Proteau/dp/1503246167 In 1966, the Carter Report made a series of recommendations in overhauling the Income Tax Act including changes to the taxation of life insurance. The main recommendation pertaining life insurance policies was: “3) In general, investment income accumulated for the benefit of the policy holder…
The following text is the first part of an example of a legal action (whether it is an individual action or a class action) in regards to the sale of an insurance product called Universal Life. The goal is to increase the chances that such actions succeed against an insurer by giving access to…
The prevalent belief is that a life insurance illustration is not a legal document. Life illustration is therefore perceived to be an advertisement to show the performance of a life policy. Learn about the Universal Life Scam by buying this book at http://www.amazon.ca/Unraveling-Universal-Life-Richard-Proteau/dp/1503246167 . Determine the true value of life insurance…
When an insurer cancels the contract of one of its independent representative, this can be a difficult situation for all involved. This is why this type of situation must be dealt with professionalism and integrity respecting the rights of all parties involved which are the insurer, representative and policy owner. So why is…
http://www.consumerights.ca/products.html https://play.google.com/store/apps/details?id=com.calculator.mrfmv1 The measure of the efficiency of the insurance distribution within a nation is what we call the insurance protection gap. The insurance protection gap represents an economic risk and measure the gap between the amount of insurance that is economically beneficial and the amount of insurance actually purchased. In 2010,…
http://www.amazon.ca/gp/product/B00PR35MEO?*Version*=1&*entries*=0 If we rely on Saskatchewan Bill 177, we can state that nowhere in this Act, you have a direct reference to the charitable donation of life insurance. To the best of my knowledge this would apply to each Insurance Act of the different provinces. As a result, we can state that none…
To order and get the FMV_Life App please visit us at: http://www.consumerights.ca/products.html The FMV_Life App has been designed as a tool for financial advisors in order to give them the ability of doing a quick estimation of the Fair Market Value (FMV) of an insurance policy. Currently advisors are unable to provide any…
http://www.amazon.ca/gp/product/B00PR35MEO?*Version*=1&*entries*=0 As I am writing my book “Regulated fraud”, I had to stop and rethink the development of my story because I realized something that was incredible. My work of fiction about fraud in the insurance industry committed by insurers had become a work of nonfiction. This was unbelievable. The plot of my story…
