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Critical Illness Insurance--The RRSP Protector
Guaranteed Income Needed?--Consider a GIC Alternative
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INSURANCE--Who Needs It?

In my time serving the insurance industry, i've heard a variety of reasons why folks don't purchase insurance or enough of it.
First, let me say that i believe in the products, which is why I purchase such products for myself and my family.
 
I've heard several over the years and my favourite is "I don't believe in life insurance".  I submit that I have not heard of beneficiaries refusing to collect the proceeds to support that claim.  There should be more insurance benefits refused if the statement matches the reality.
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