Articles

Conquering Cancer: Johnny’s Story

I first interviewed Johnny in 2018, after being truly inspired by his courage and ability to overcome extreme adversity. I am a strong believer in the old adage that ‘every challenge in life creates an opportunity.’ Johnny is living proof of this, and his ability to conquer cancer has given him …
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Life Insurance and Bodybuilding

High performance sports can have an impact on insurance rates. Why? Because most sports of this nature include a risky component that the insurer must offset with higher premiums or by offering rated, simplified, or guaranteed issue insurance if the applicant does not qualify for traditional coverag…
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How Big of a Role Can Exercise Play in the Insurance Underwriting Process?

We have heard it time and time again. Exercise is important for health and healthy people get better life insurance rates. However, just how big of a role does exercise play in the underwriting process? We asked Karen Cutler, Chief Underwriter Individual Insurance at Manulife, for her thoughts on th…
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Smoking and Insurance Premiums: What You Must Know

While there are many things that affect life insurance rates, being a smoker is one risk factor that is always viewed in a negative light. Why? Because smoking creates a lot of health risks – which could be avoided by the applicant choosing not to smoke. Let’s take a closer look at this issue. W…
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Baseball Player Insurance: The Ins and Outs of the Matter

When it comes to playing professional sports, there is a lot of risk involved. With the physical nature of the game, injuries can happen at any time and can have long-lasting effects on a player’s career. This is why it’s important for players to have life insurance in place to protect themselve…
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10 Lifestyle Changes That Could Lower Your Life Insurance Premiums

Getting the best life insurance premium for the highest possible coverage amount is important. Life insurance is what stands between your and your loved ones’ financial future should something catastrophic happen. Whether it is critical illness insurance that pays a lump sum to the life insured to…
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Life Insurance and Extreme Sports: Q & A with Mathieu LeBlanc & Phillip Setter

It is common knowledge that being young and in good health provides the best life insurance rates. However, what happens when that youth and health are due to participation and enjoyment of extreme sports? Underwriters base premiums on risk; how do they view applicants that look risk in the face and…
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Top 8 Reasons to Cryogenically Bank Your Adult Cells

In recent years, cryogenic cell banking has emerged as an option for not only newborns but for adults to preserve their cells for use in regenerative medicine. With the potential to preserve a younger version of yourself and access a wide range of applications, cryopreservation offers numerous benef…
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What Fitness Expert Michael Finigan Eats In A Day

When it comes to nutrition, my coaching approach is similar to training, sleep, supplement protocols, or anything else we want to incorporate into our health routines. We are all individuals and have significantly different nutritional requirements due to many variables that we need to consider (age…
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