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Tag Archives: Tony Ratcliffe

Left without adequate group benefits?

Many people find themselves without group medical/health benefits. This may include the self-employed, and it may be individuals who work for an employer that is unwilling or unable to provide coverage. I have also seen employees decline coverage thinking they were fully covered by their spouses’ employers. The latter may be true of health and [...]

Segregated Fund Guarantees

Diminishing value in investment accounts is definitely causing concerns. This is raising the awareness of the maturity and death benefit guarantees provided with segregated funds. A brief overview of segregated funds is provided by Empire Life. Their page also provides a link to the Canadian Life and Health Insurance Association where a number of publications are [...]

Understanding the guaranteed income for life offerings

During one of our recent social media group meetings, the Social Web Meetup in particular, I happened to mention the guaranteed income for life products, known also as Guaranteed Minimum Withdrawal Benefit. My friend asked if I would arrange a small coffee meeting to provide some information. Of course I will! As I explored what I [...]

Passions Resolved

Questions often asked of me, and by me, relate to identifying my target market and my ideal client. This is not always an easy task, but over time the answers have become clearer. My passions are distance education and personal financial security. I do both, and they fit together nicely. It allows me to associate [...]

My First Blog

To blog or not to blog has been a question on my mind for some time. Obviously, the desire to maintain a blog has won out with this as my inaugural post. My mood strikes me to give a little background to review my interest in distance education, leading up to a second entry that [...]