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Live Well, Work Well – March 2019

Live Well, Work Well – March 2019

In this month’s newsletter, you’ll read about alleviating spring allergies. In addition, you’ll learn when you should give your body a break from exercising. Don’t Let Spring Allergies Bring You Down Millions of Canadians suffer from allergies every year. In particular, springtime allergies are an annual nuisance for many people. As plants begin to bloom and neighbours start to cut their grass more frequently, allergy sufferers nationwide start sniffling and sneezing. What’s more, mould growth blooms both indoors and outdoors, making it almost impossible to escape allergy triggers. Spring Allergy Alleviation Tips To reduce your allergies, be sure to take the following steps: Stay indoors on dry, windy days. Avoid chores—including lawn mowing, weed pulling and gardening—that could expose you to common allergens. Avoid hanging laundry outside to dry as pollen can stick to certain fabrics. Check pollen levels regularly….read more →

Benefit Connection – OHIP+ Is Changing April 1, 2019

Benefit Connection – OHIP+ Is Changing April 1, 2019

OHIP+ Is Changing April 1st, 2019 The changes affect OHIP-insured children and youth aged 24 and under, including those: without a private plan, who will remain eligible for OHIP+ without co-payments or deductibles with a private plan, who will no longer be eligible for OHIP+ and will access prescribed medicines through their private plan OHIP+ makes more than 4,400 drug products free for anyone age 24 years or younger. You don’t need to enroll – all you need is a health card number and an eligible prescription. Who is covered All babies, children and youth age 24 years and under who have OHIP coverage are automatically covered by OHIP+: Children and Youth Pharmacare. You do not have to enroll or register to access OHIP+ – coverage is automatic. OHIP+ coverage will stop on your 25th birthday, but you may qualify…read more →

International Insurance Newsletter | March 2019 Edition

International Insurance Newsletter | March 2019 Edition

International Insurance Newsletter | March 2019 Edition Recent Successes: Placed Yacht & Pleasure Craft insurance including hull & equipment coverage as well as a high limit of liability for a yacht and jet ski being operated in the Bahamas. Arranged local issuance of an admitted Property policy as part of a controlled master program for a foreign owned joint venture company with multiple locations across Mexico Placed homeowners coverage for a luxury condominium in Costa Rica. Malaysia Malaysia has given foreign-owned insurance companies until April to outline plans to comply with local shareholding requirements. Bank Negara Malaysia, which regulates insurers, is pushing to enforce a 2009 rule that sets a 70% cap on foreign ownership of local insurance businesses. The bank is expecting insurers to come up with “concrete plans” via divestments, listings or corporate social responsibility contributions. Cutting back shareholding…read more →

Who needs Personal Umbrella Liability Insurance?

Who needs Personal Umbrella Liability Insurance?

Who needs Personal Umbrella Liability Insurance? You do. Accidents happen and we all need to be prepared. The standard liability limits on insurance policies range between $1,000,000 and $2,000,000, but is that enough if you are sued? Personal Umbrella Liability insurance increases the liability limits for all of your underlying personal insurance and works to protect against events that could impact a substantial portion of your future earnings and assets. Legal awards and expenses can escalate quickly and what appears to be a minor incident could develop into a major lawsuit. A Personal Umbrella policy not only pays the court awarded amount up to the limit of coverage purchased, but covers the legal costs in addition to those awards. Personal Umbrella insurance also provides additional coverage that is typically not included on other personal insurance policies, such as coverage for…read more →

Live Well, Work Well – February 2019

Live Well, Work Well – February 2019

In this month’s newsletter, you’ll read about improving your heart health by reducing your stress. In addition, you’ll learn how to   keep your heart healthy through exercise. Looking to Improve Your Heart Health? Reduce Your Stress Heart disease is the number one cause of death in both men and women over the age of 60. While there are risk factors that contribute to heart disease that you can’t control, there are many things you can do to maintain your heart health. One of those things is to reduce your stress. When stress is excessive, it can contribute to a host of health problems, including high blood pressure. If high blood pressure goes untreated, it can result in heart disease. Reducing Your Stress Taking steps to reduce your stress will improve your overall health. Try these tips: Plan and prioritize your…read more →

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