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Accidental Death and Dismemberment (AD&D) defines "Accident" means a single, sudden, violent, unintended, unexpected, external event that causes a Loss of independent of any other cause. Under the AD&D "Exclusions" in Empire Life's contract, reads: "The benefits of this provision would not be payable if the Loss results directly or indirectly from: a) suicide, attempted suicide,…

A couple weeks ago I shared a news report from Peter Mansbridge on Suicide attempts and insurance: Why you might not be covered.  I would like to create a conversation on each of the benefits that are included in your Employee Benefit Program and the suicide clauses or lack thereof.  I always recommend that you…

We would like to thank everyone for an incredible year at Glendinning Insurance Services and are excited for 2016. I hope your holidays are filled with the love of family and/or friends. Merry Christmas everyone and all the best in the New Year. Live a Life Worth Insuring!

Peter Mansbridge, from CBC did a piece on Suicide Attempts and Insurance: Why you Might Not be Covered.  This is an article that will start a conversation and create controversy. Controversy can bring change, if needed.  I do feel that a better understanding of the wordings in the contract is important. Over the next couple weeks I am going to…

There's no question that all of the factors I talked about last week as well as the health and wellbeing of the patient could be positively affected if more people took their medication as prescribed. But it's easier said than done, as there is no silver bullet solution.  Drug adherence - or non-adherence - can…

A huge number of people don't take their medications properly.  According to the World Health Organization, adherence to long-term therapy for chronic illnesses in developed countries such as Canada averages just 50%. Thirty-seven per cent of Canadians today are managing a chronic condition, including illnesses such as arthritis, hypertension, diabetes and asthma.  These conditions are…

I feel very fortunate and deeply blessed to live the life I do. And yes, it is a life worth insuring! My life over the past few months has seen my family gather for the funerals of a couple of my uncles. Yes, tears flowed, but more important, the value of coming together coupled with…

I have heard lots of jokes about the Crossfit Cult.  I call it a Community, one that supports each other in and out of the box (our name for gym).  Recently one of our fellow members had a serious workplace accident and left him a paraplegic.  Not just our box but several boxes have held competitions and raised funds…

The article in the Globe & Mail published on Friday October 23, 2015 http://www.theglobeandmail.com/report-on-business/valeants-ties-to-philidor-pharmacy-raises-concerns-over-drug-pricing/article26962707/ talks about Drug Company Valeant owning a dispensing pharmacy. Should Drug Companies be dispensing their drugs? Is this a conflict of interest? Do the prescription drugs have to be that expensive, when they spend more on advertising then they are on research? Should we…