It has added the CI Signature Income & Growth Account, along with the Manulife Strategic Income Account. Both are strong performers and both have achieved Morningstar ratings of four and five stars, respectively. The Manulife Strategic Income Account also took home a Canadian Lipper Award in 2011 for best one and three-year performance in the Global Fixed Income Category.

While additions have been made to the portfolio, so have subtractions. The following managed accounts will no longer be available after September 24, 2011:

CI International Balanced Account

CI Global Account

Trimark Canadian First Class Account

Manulife Canadian Core Class Account

Manulife International Value Class Account

Some accounts will still be available, but under a different name.

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Do you need an Umbrella Insurance? Should you need it? Who would need it? Well, accidents are commonly known for their unpredictable nature. In the event of an accident that occurred at your expense on your property, it is impossible to gauge the amount of compensation the judge is going to award to the victim. If that is the case, is your liability coverage for your home owner’s or auto policy sufficient?

Well, most people don’t know that they need an umbrella insurance until a lawsuit hits them. But seriously, most people don’t expect someone to get injured on their properties. A person who owns a real estate property or even multiple real estate properties are likely to require an umbrella insurance. This Read more…

In the course of your time renting alongside others who share an apartment, duplex, townhome or other living space with you, you will probably have more than a few minor disagreements. While benign differences are expected among roommates, there are certain scenarios that may cause you to question whether a spat has escalated beyond the point that you and your roommate can resolve it without outside mediation. For that matter, if you have two or more roommates, you may find that there is rotating roll of household mediator that is taken up by whichever party is not involved in a current disagreement.

While individual temperaments and personal preferences regarding living situation will calculate into what kind of experience you have with your fellow tenants, you will find that most problems that arise can be handled within the walls of your rental property.

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New data indicate as many as a million young adults have signed up for health insurance in the last year, offering evidence that this 2010 health law benefit is proving to be popular. 

The New York Times: Young Adults Make Gains In Health Insurance Coverage Three new surveys, including two released on Wednesday, show that adults under 26 made significant and unique gains in insurance coverage in 2010 and the first half of 2011. One

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Those over 60 can get life insurance.

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At the end of these specific periods of time you can either drop the policy or you may elect to renew it. If you choose to renew your policy you will usually need to provide proof to the life insurance company that you can still qualify for a policy.

Some term policies have built into it an option which you may exercise which would allow you to convert your policy within specific periods of time. You would convert to a permanent policy like universal life insurance, variable universal life insurance or whole life insurance. The periods within which you may covert is usually shorter than the term period for the policy itself. Let us suppose you own a 20 year level term life insurance policy.

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For young couples brand new to the housing market, let alone the house insurance market, one of the first hurdles is generally the terms that are thrown about. Apparently it has been agreed by all those involved in the marketing and selling of home insurance that everybody understands exactly what they mean even though for many people this is simply not the case. There are two terms in particular that it is very important to understand. This is because they both refer to things that can be modified to get lower premiums but getting lower premiums in this manner can come at a cost. Read more…