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What if I disagree with the insurance company's rating?

We make it a practice to clarify and research any unsatisfactory results. To this end, we have our clients forward a Direction to the insurance company to release the lab results to their family doctor to obtain a second opinion. If the client's doctor contest the findings, we go back to bat to fight the insurance company's decision or we re-shop the plan with a different company.

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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