I am writtinng not for potential customers, but for potentia group insurance dealers.
If you want some info, what's group insurance and how to obtain it, visit lsminsurance.ca/calculators/ca nada/group-benefits

I want to describe some advantages of group insurance selling, because I believe it's worth trying!

Why?

1. Only about 5% of active certifeid advisors deal group insurance. And about 200 000 new jobs created is waiting for them every year!

2. Income expanded in time. You will recieve constant money, because group insurance is more smoothed in time.

3. More time for family. You will work usually from 9:00 till 17:00. No evening or weekend work. Your family will be happy.

4.More tailoring. Do you like insurance? Group insurance enables you to fit your product to client's need better.

5.New individual challenges. Every group has a potential of individial deals. Why not to maximize your income?

But it doesn't have to be your dream job. There is...

-more paperwork. Administration is just more demanding...

-slower start. Sales take longer time, so your first income comes a bit later...

More info on www.squidoo.com/groupinsurance

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The question of whether to buy term or permanent insurance is not an easy one and should be considered in light of the benefits that each policy carries.

Which type of insurance policy is best for you? That will depend on a number of factors, most critically: your age, your earnings and, of course, your particular insurance needs.

Young families interested in purchasing life insurance for the first time are usually confounded by the choice of whether to purchase a term or permanent product. “Which costs more?” “Which provides the best investment?” “Which is more suitable for our age and lifestyle?” And, of course, in each case the answer will vary depending on the particular objectives of the applicants.

To begin, term insurance offers a low-cost solution for a temporary period. Couples who are laden with debt and raising a young family might want to consider the term life option out of necessity alone – they simply wouldn’t be able to afford the premiums associated with a permanent policy. Second, for those who worry about covering a specific financial need, such as the cost of a mortgage, line of credit or a business loan, term insurance is the ideal solution. Coverage of $250,000 can be purchased for, say, twenty years for $37.58 a year (40-year-old male non-smoker with Canada Life). Not bad when you consider that the same amount of coverage under a permanent life policy would run to $214.20 a month (whole life coverage with Empire Life)! As you can see, the difference can be staggering!

Therefore you should need to visit http://lsminsurance.ca/ for more desirable informations.

I suppose you know, that cigarette smokers obtain much more expensive insurance policy. But what about cigar smokers?

Genrally, cigar smokers are considered as a standard smokers. But you don't have to throw your collection into dustbin right now. If you smoke only one cigar a month, you can apply for non-smoker policy. Some of the companies even allow you to smoke one cigar weekly (but you must have negative cotinine* lab tests)!

If you can't sacrifice your passion, take a look on our term insurance quote http://lsminsurance.ca/calculators/c...
Just one example.
$500000 term life policy (20 years) for 43 years old non-smoker male starts at $85 monthly. If you are smoker, you will have to pay more than $200 monthly! That's a difference, isn't it?! So smoking costs are not only about tobacco costs (and I don't mention health...)

For more information visit http://lsminsurance.ca site, section Life insurance tips

*Cotinine is a metabolite of nicotine. It is used as a marker of tobacco smoke inhalation. The half-life of cotinine, the major metabolite of nicotine, is twenty hours. This means that the cotinine in the applicant’s body at the time of last smoking will decrease to half the original level in twenty hours, to a quarter in another twenty hours, and so on. Depending on the starting level, it may take up to four days for cotinine levels to be undetectable.