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    First Rate Insurance Inc. acts as an "insurance headhunter" to represent your needs and find you the best available insurance opportunities from the top companies in your province. The power of the internet as a new communications medium allows buyers and sellers to be brought together like never before. Consequently,
    First Rate Insurance Inc.gives you easy, convenient access to
    options and opportunities never before available in the traditional insurance model.

    OUR "NO NONSENSE SERVICE GUARANTEE" TO YOU: In today's business environment, the organization that provides the best service to its customers has a distinct advantage over the competition. We are constantly striving to improve our communication and advice to our clients. In addition to routine service, we introduced upgrades to clients' existing term insurance policies. Now we are taking our efforts to a higher level with our "NO NONSENSE SERVICE GUARANTEE". We pledge to:

    1. Return your telephone calls promptly - at the latest by the following business day;
    2. To review your contracts at least once a year to determine the current competitiveness and relevancy to today's market conditions;
    3. Issues informative Financial Planning bulletins at least once per annum;
    4. On request, make ourselves available for a personal meeting at least once per year on a non-fee basis.
    That's our commitment to you. IT'S IN WRITING. IT'S GUARANTEED.
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A type of insurance sold in Canada for nearly 10 years could lead to a dramatic tug of
war around a policyholder's hospital bed.

But a lawyer specializing in trust and estate matters says he, for one, has yet to hear the thorny issues raised at professional seminars or conferences...


Insurance Companies Target Middle-Incomes Market With Less Complex Universal Life Products
Experts warn against using universal life for retirement income

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