tag:blogger.com,1999:blog-36217567996321356572012-01-31T10:43:55.102-08:00Solutions Financialhttp://www.blogger.com/profile/02713293487081309619noreply@blogger.comBlogger21100tag:blogger.com,1999:blog-3621756799632135657.post-86127656605254985342011-04-08T08:45:00.000-07:002011-05-10T16:48:21.907-07:00According to the Canadian Life and Health Insurance Association, more then 20 million Canadians are protected by <a href="http://www.solutionsfinancial.ca/">life insurance </a>with an average amounts owned were $156,200 for insured individuals and $312,200 for insured households. That leaves approximately 30% of individuals without important insurance protection as well insured households only having an average amount of $312,200 of life insurance, this could represent many families being underinsured in Canada. Creating awareness around the need for <a href="http://www.solutionsfinancial.ca/">life insurance </a>is paramount there are many brokers and insurance agencies in Canada available to help with your insurance needs, call a insurance professional whether you are protecting your family your business there is help out there. Author: Peter C. Choma an insurance specialist with <a href="http://www.solutionsfinancial.ca/">Solutions Financial </a>Reference: <a href="http://www.clhia.ca/e3a.htm">Canadian Life and Health Insurance Association</a>. 2008 Edition of Canadian Life and Health Insurance Facts <a href="http://www.clhia.ca/e3a.htm">http://www.clhia.ca/e3a.htm</a><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/3621756799632135657-8612765660525498534?l=gardenstatelifeinsurance.blogspot.com' alt='' /></div>Solutions Financialhttp://www.blogger.com/profile/02713293487081309619noreply@blogger.com26tag:blogger.com,1999:blog-3621756799632135657.post-34426489406003581572009-03-01T08:32:00.000-08:002011-05-11T08:46:31.724-07:00Most insurance carriers believe that a smoker is someone who has used some form of nicotine product or marijuana within the last 12 months however some carriers will even look at longer time frames up to 5 years or longer. Included in the definition of nicotine products are cigars, cigarettes, pipes, nicotine gum, patches, chewing tobacco. If you smoke less then one cigar a month some carriers will consider you a non-smoker. Should you choose to quit smoking during your policy term then there are a number of options that can save you money. It is possible that you could change to the non smoker category and therefore receive lower premiums however if your health has changed since the start of the <a href="http://www.solutionsfinancial.ca/">life insurance</a> policy this option may not be available.<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/3621756799632135657-3442648940600358157?l=gardenstatelifeinsurance.blogspot.com' alt='' /></div>Solutions Financialhttp://www.blogger.com/profile/02713293487081309619noreply@blogger.com16