By Phoenix Delray

Cell site lease management professionals can really help landowners who are considering allowing a tower to be built on their properties. These professionals serve as liaisons between the national wireless carriers and landowners, the latter of which are sometimes referred to as cell site landlords. Cell site lease management for the wireless industry is the specialty of these professionals, and they help carriers maximize operating efficiency and enable land owners to secure income from the leases. There is much to know and much to keep track of if you are to benefit the most from any kind of agreement like this.

Employees are experts with assisting landlords and carriers with anticipating volatility by mergers, new technology, network redesign and site redundancy. The key to their success is the companys commitment to creating successful, meaningful relationships and partnerships with land owners by offering several benefits and advantages. They have guaranteed millions of dollars of income to thousands of land owners who have used the rent guarantee to secure all kinds of personal needs. These companies have also been able to finance business ventures and fulfill personal needs with the income, too. The programs that the companies use provide financial security to land owners with a first of its kind guarantee in the industry. Volatility of cell tower site leasing is at its peak, and the cell site lease management companies work with land owners in ways that will secure the value of a lease agreement and will secure the value of the lease.

These professionals also have the most updated knowledge of the carriers that they work with, and they are dedicated to developing plans and strategies that are most beneficial to their clients. Education of the market, the carrier, the land and everything else that is involved is pertinent, and the company educated land owners on the marketplace that could develop in the future that could challenge their revenue, coming up with plans and opportunities to protect that important income should anything in the future happen.

Although there are many different companies that operate with the same purpose, the top ones are authorized by top national wireless carriers to administer all of the programs and stipulations that they do; they are preferred real estate asset managers for these wireless carriers. They build their reputations on solid relationships not only with the carriers but also with the land owners they work with as well. The expertise that cell site lease management companies execute in dealing with companies and clients is invaluable to the success of the lease agreements.

About The Author

To learn more about a cell site lease management, please visit http://www.md7.com/.

By Steve Mackey

How would you feel if you could save $100 this year on your auto insurance? What about $200? Or $300? You could probably go that extra money. Take a vacation, fix up the house, buy some gifts, or do something else that you”ve been wanting to do. Well, you can reduce the amount you pay every month for car insurance. By shopping around and being informed consumer you can get a better deal on your insurance policy. Follow the tips outlined here, and I”ll show you how to get the cheapest car insurance for your needs.

Get Quotes And Switch Providers

If you”ve already got all insurance, consider switching companies to get a lower rate. It’’s so easy these days to get quotes. You can get them online, by phone, or even in person at your local insurance company branch. Most people choose online since you can do it in the comfort of your own home. Comparing lots of quotes on auto insurance policies is one the most important things you can do to lower your rate. Different insurance companies charge different amounts of money, and sometimes the difference can be as much as several hundred dollars. Plus, there is no way to tell how much a particular insurance company will charge you for policy. That’’s because the companies all have different ways of setting the price of a policy.

Be A Good Driver

Before you look at other insurance companies to give you a cheaper car insurance rate, be sure that you”re in a position to ask for a lower rate. There’’s several ways you can make yourself a more attractive private insurance companies. The first is by being a good driver. If you have fewer tickets, fines, and other moving violations, you”ll get a much lower rate. That’’s because the insurance company charges you based on how much of a risk they think you are. People who have lots of speeding tickets are more likely to get in an accident, and so have to pay more for insurance.

Improve Your Credit Score

Another thing that many insurance companies take into account as your credit history. That means if you have a clean credit history and high credit score, you get lower rates. Again, this is because insurance companies have found that people with poor credit scores have more accidents. But if your credit scores and the size you like it to be, but worry. The story was that even over the course of just a few months. A copy of your credit report and look online for tips to raise your credit score.

About The Author

Visit http://getcarinsurancequote.info to get cheap quotes on great auto insurance today. It’’s free, fast, and easy! Just enter your zip code to get a list of companies offering discounts to drivers in your area. Compare quotes and see how much you can save. Don”t wait, get your quotes today!

By Steve Mackey

If you live in the sunshine state, you know how important auto insurance is. With so many drivers on the road, there’’s an accident around every corner. Plus many cities have a problem with auto theft. Not only does this make it crucial to have insurance, but it can also make insurance rates higher than in other places. That’’s why when you”re looking for cheap Florida auto insurance, you”ll have to do some work on the lowest rates. But don”t worry, it’’s easy if you follow a few tips.

Where To Get Insurance In Florida

There are many auto insurance companies doing business in Florida. National companies like Progressive and Geico are good choices for many, Direct General does a good business in Florida, and there are other options for some people, like USAA auto insurance. There are also many state and local insurance companies that offer low-cost car insurance in Florida. If you”re in Miami, you might check out the United Automobile Insurance Group. Hugh Cotton insurance has been serving the Orlando area since 1948. In Jacksonville, Brightway Insurance offers auto, home, and commercial insurance. Local providers like these can offer many people better rates, especially if you”re finding it hard to get insurance from the bigger companies. You can find out about these companies and many more that operate in Florida by checking out the yellow pages, your local chamber of commerce, or searching online.

Before getting insurance, you need to know what type of auto insurance you need. The simplest type, liability insurance, pays for damage to cars and access the cost. Florida law mandates that you have a liability policy of at least $10,000. However, liability insurance doesn”t pay for damage to your car. Liability coverage is mandated for all drivers in the US, but since it doesn”t pay for most of the cost of accidents, many drivers out for more coverage.

Comprehensive Auto Insurance

To pay for the cost of damage to your car, the cost of repairs, medical bills, property damage, and test, you need a more comprehensive policy. Especially in larger cities, the chance of theft or an accident is high. Miami has one of the top ten car theft rates in the US. That makes Florida auto insurance policies with collision coverage and theft coverage more attractive. These plans cost a little bit more than simple liability insurance, but the cost of fixing your car can be thousands of dollars. Not to mention if your car is stolen.

To get cheaper rates on your car insurance policy, be sure to maintain a clean driving record. Your driving record is very important to the insurance company, since this is a measure of your risk. If you have few tickets, speeding fines, and other traffic violations, the insurance company will think that you”re a smaller risk and give you lower rates. Another helpful thing can be to get a higher deductible. This means that you have to pay more before the insurance company starts to play when you use your insurance. As a benefit, if you lower monthly premium. Choosing a plan with a higher deductible can really help you get low-cost Florida auto insurance.

About The Author

Visit http://getcarinsurancequote.info to get cheap quotes on great auto insurance today. It’’s free, fast, and easy! Just enter your zip code to get a list of companies offering discounts to drivers in your area. Compare quotes and see how much you can save. Don”t wait, get your quotes today!

By Steve Mackey

If you”re in the market for new auto insurance, you should consider many of the extra benefits that companies are offering these days. One lifesaver that many policies include is something called roadside assistance. In auto insurance policy with roadside assistance includes ways to help you when you really need it. If your car breaks down or you have trouble on highway, this type of auto insurance will really save your day. But how can you find a good plan at a cheaper rate? Here are some ways to help you in your search.

What Is Roadside Assistance?

Roadside assistance refers to a form of insurance that provides help if your car breaks down while you”re out. This might be in the middle of town, while you”re traveling, or on the highway. Anybody who’’s ever had a flat tire miles from home knows how tough it can be to get changed, get your car repaired, and be underway. Having some form of help is not only good for your, but helps your peace of mind. You assistance offered may take different forms. You might have a dead battery and made a jump start. You might need help changing a flat tire, or getting a new tire. You might be locked out of your car. You might be stuck in mud or snow. Your car might have run out of gas, and you need a small amount of extra fuel. Or your car might have just broken down and you need to get it towed somewhere where it can be repaired. Roadside assistance can help with all these things.

Where To Get Good Coverage

You can get roadside assistance as a service on its own for many companies in the US. There are several popular ones provided by auto clubs in the US. But many auto insurance companies are starting to add this as an option to their existing policies. To get the cheapest roadside assistance coverage, check with your insurance company to see if you can add it to your policy. If not, consider switching insurance companies to get the coverage you need. You might even be cheaper car insurance. The best way to do this is to go online, get lots of quotes from different insurance companies, and compare to find the best plan and price for your needs. Remember, don”t just select the plan with the lowest price, because each plan will have slightly different coverage. By taking into account the coverage of buying and the price it costs, you can find a deal that’’s great for you.

About The Author

Visit http://getcarinsurancequote.info to get cheap quotes on great auto insurance today. It’’s free, fast, and easy! Just enter your zip code to get a list of companies offering discounts to drivers in your area. Compare quotes and see how much you can save. Don”t wait, get your quotes today!

By Neil Anderson

If you are in the market for insurance for your motorhome, then you want to make sure that you are shopping for it in the best manner possible. After all, not many people are in the position where they can just easily throw caution to the wind and spend their money on whatever plan or policy they want. You want to make sure that you are carefully reviewing all of your different options and that you are making sure that the price you end up with is a price that you are going to be able to live with. No one wants to be put into a position that causes them not be able to afford much of anything else.

Since the whole point of having a motorhome is to enjoy it by travelling around, you want to make sure that you are allowing yourself to keep as much of your money as possible. If you end up paying for poor cover at an outrageous price, the only person to blame is you. The insurance company certainly is not going to tell you that their prices are incredibly high compared to their competition. That is for you to figure out. Of course, some may think that it would take too much time and energy to comparison shop. While that might have been the case many years ago, that is no longer the case now.

You can quickly and easily find all of the information, policy details and price quotes online. In fact, there really is no easier way to get the information you need and want. You will not even have to spend hours online searching and digging for information. There are companies out there that do nothing more than direct people to the best insurance options for their needs. You simply give the website the required information, such as your name, what you need to have insured and exactly what kind of insurance you are looking for.

Once you submit all of that information, you will find that you will be presented with a few different price quotes from comparable companies. You will want to make sure that you are looking over all of the options in order to make sure that you are truly getting a plan that is suitable to your needs. These websites are generally pretty good about laying out all of the information you need in an easy to read format. It really should not take you a lot of time at all to make sure that you are getting the exact plan or cover that you need.

Now, when you go and contact the motorhome insurance company directly, you are going to find that the quote you are given is not usually going to be the exact amount that you will end up paying. You will find that the figures will be close, but not exact. It will be way off if you mislead them with any information such as saying you have never had an accident but they find upon looking closer that you have wrecked four cars. Just make sure that you are being upfront when shopping for motorhome insurance and you will be well on your way to having excellent cover at a price you can afford.

About The Author

For further information regarding motorhome insurance visit http://www.safeguarduk.co.uk/insurance-quote/motorhome-insurance.aspx

By Louise Slee

Half a million people can”t be wrong, right? In fact, the Scout Association has more than 500,000 members, making it the UK’’s biggest mixed youth movement. Moreover, the UK membership is a microcosm of what’’s happening worldwide. Internationally, over 28 million youngsters across 216 countries enjoy the benefits of scouting. All of them have one thing in common: scout trips often rely on minibuses and good minibus insurance is required.

What is good minibus insurance, particularly for scout groups? Equally, where can you get such minibus insurance? The answers to these questions are simple enough but there’’s an important point to bear in mind: not all minibus insurance is necessarily ”good”.

The first requirement is legal insurance for the scout group’’s minibus(es). Third-party insurance is the minimum legal requirement and it covers damage to the persons and property of third parties; some legal costs cover is usually included. This is, however, the most restricted type of insurance cover. A good insurer will generally recommend a more highly specified level of cover; adding fire and theft insurance or choosing the full comprehensive minibus insurance are worthwhile upgrades to think about.

It is obvious to seek minibus insurance from a good minibus insurance broker, but what makes such a broker ”good”. In today’’s highly competitive marketplace, insurance quotes must be attractively priced and the level of service must be high. Comparing insurance on price alone is a common, though hardly far sighted practice. As we”re talking ”good”, it makes sense to look in some detail at the services provided in, or with, the insurance policy being considered.

What does this mean? To explain, we can look at the provisions made by a good minibus insurance concern. They include the following.

* AA-provided accident recovery.
* UK-based administration and call centres.
* Optional breakdown and recovery assistance, including AA ”Homestart”.
* A freephone helpline that operates 24 hours daily, 365 days a year.
* Optional uninsured loss recovery, with cover for an appointed lawyer, up to 1m pounds legal costs, and vehicle hire costs if part of the claim is agreed.
* The ability to pay in instalments.
* Swift turnaround of documentation.

It is quite clear that, with a minibus insurance policy, or with any kind of insurance policy for that matter, there are a number of boxes to be ticked. As is usually the case, there is a wealth of information to be found in the small print. Striking the correct balance between provisions, restrictions and price is merely a matter of undertaking assiduous research.

In the final analysis, finding the right insurance broker is an excellent stepping-stone towards choosing the right minibus insurance policy. In this instance, ”right” refers to the policy that covers not just most of the scout group’’s needs but all of them. Setting aside the time to research the insurance cover you need is worthwhile, as it becomes time well spent. Here, the Scout Group’’s motto, ”Be Prepared”, couldn”t apply more!

About The Author

Louise Slee is a Web Marketer and driving enthusiast for over 25 years, with no penalty points to date! See her articles at http://www.minibusclub.co.uk/ where she imparts some useful driving and travel tips when you are out and about in your minibus

By Neil Anderson

Though there are many people out there who enjoy riding motorbikes, there are still those who wonder exactly what insurance is for. To put it quite bluntly, insurance is more like an umbrella than anything else! It will keep you protected from the evils of the motorised world and eventually you will be glad that you actually spent the time and money to make sure your motorbike is covered.

The question you might have at this point however would relate to how you would go about getting your policy. This is definitely a good question and it is one that many will need answers to. The best method we have found involves the internet and a bit of patience. That being said, let’’s talk a bit about the different options and determine just where you should be purchasing your insurance.

When you are talking about a Suzuki motorbike things are a bit different. The first difference between a Suzuki and other vehicles is that you are dealing with a motorbike and you do not have much protection between yourself and the road. With that being the case it becomes very important for you to ensure your own safety. That being said, let’’s talk about the online opportunities you will have to obtain the right policy.

The first thing you will need to know is that many companies will allow for online only discounts on Suzuki motorbike insurance. Because you are buying online there will obviously be very little agent interaction, but as a result you will need to think on your feet and essentially make all of the decisions on your own. So long as you are properly educated as to what the various levels of insurance are however, you should be able to make a selection for your bike relatively easily.

Secondly, it is very important that you select the right type of motorbike when applying for your insurance policy. Most insurance companies will give you a detailed list of the motorbikes they provide a policy for and choosing the right bike is one of the more important things that you can do. If you fail to choose the right bike then you may lose your policy when you truly need it and there is always a chance that you will be accused of fraud.

As you can see, the Suzuki motorbike insurance that you use on a monthly basis, while relatively silent will have a great effect on your driving life. That being the case, it is incredibly important for you to choose a great insurance company and a great policy to go along with it. To avoid incidents later on it would be a good idea to speak to your insurance agent to find out just what you are getting and how it is ultimately going to help you to cover yourself when the unexpected occurs. You might not plan on it happening and you might not be looking forward to it, but you can at least make it less painful.

About The Author

For further information regarding Suzuki motorbike insurance visit http://www.swinton.co.uk/motor/motorcycle/Suzuki/suzuki-insurance.aspx

By Phoenix Delray

Many times the best way to get an accurate quote on health insurance is finding a reputable company that has an informative website and many options available. If you look at the situation today in the United States with Health Care, youll see that there are changes being made, but many people are still suffering from unemployment and home foreclosures in neighborhoods theyve been living in for years. Taking some time to get information on the situation could save you many hundreds of dollars in the long run with savings and customizing the quote on Health Insurance that you are getting from the reputable website you have found.

The insurance companies today that offer quotes on Health Insurance want your business. And most of the time they will accommodate just about any situation that life has put you and your family in and add it to your quote on health insurance. Many times insurance companies require that you notify them immediately after something happens and along with that giving them authorization to use the information for their determination of coverage, which is often called a pre authorization. Many of the larger insurance companies and their representatives get incentives to offer these plans to clients that are looking to give you an accurate quote on health insurance any time of the day. Life has its share of its ups and downs and being prepared for times when accidents do happen means that you need a quality Health professional who will be available to help.

Many individuals throughout life stay with one individual insurance company for many years. The reason for this is that one company handles all of your needs when the time comes, lets just face it, it is many times easier to say the least. This way youll have to contact one person about what is happening in your life when it comes to Health Insurance and the proper steps will be taken from there.

Times are tough enough when these accidents or medical emergencies happen, and the easiest way to alleviate some of the stress is to have a quality accurate quote on health insurance that is what you and all Americans can afford. Today, there are many different Health Insurance providers and affiliates that are lowering their rates and giving incentives to policy holders who are nonsmokers and other discounts that can apply to their premium every month making it lower even more. Customizing your quote on Health Insurance will give you many more options than just filling out a standard form to get some general quotes. Although, this might take a little more time to complete and might have to get some medical records if they need numbers and information from your doctors already.

Choosing the Internet to look up some of these scenarios and get some feedback from many of the other clients that have used websites to get accurate quotes on Health insurance for themselves and their families will give you the most amount of information that you can find anywhere.

About The Author

To learn more about Quote Health Insurance, please visit our website at http://www.bettercoverage.com

By Mitch Reynolds

If you work in the trades, like a framer, carpenter, electrician, mechanic, farm worker, etc. you might have found it either difficult to get disability insurance in the past or very expensive. That is because disability insurance is based on occupational risk as well as your personal health risks and lifestyle choices (like smoking or not smoking). If you are in a high risk job, like being a lumberjack, it can be almost impossible to get disability insurance, and if the insurance company offered you a plan it would be hugely expensive: up to 10% of your annual income.

So, how can you design a plan that covers your risks of injury and illness and protects your family and lifestyle? One solution is to create a split plan with injury only disability Insurance and a critical illness insurance policy for major life altering illnesses.

Injury Only Disability Insurance

There are disability insurance companies in Canada that have tailored their products to meet the needs of labourers, trades-people, truck drivers, and many other blue collar workers. Since many workers in physical labour jobs are more concerned with accidents and injuries, both on the job and off work, these disability insurance plans have split its coverage into injury only coverage and optional illness protection. The injury only coverage is much cheaper to buy than a comprehensive disability plan covering both illnesses and injuries. It can often be less than half the combined premium for just the injury protection.

The other goods news about injury only disability insurance is that there are hardly any qualifying medical questions to get the policy. Basically, you have to currently not be disabled due to an injury, and if you had a pre-existing injury, that condition will not be covered for the first 12 months. Besides that, you can get the coverage easily and quickly, and cheaply!

OK, so one big risk is covered…injury causing loss of work and income. How about an illness?

Critical Illness Insurance to Replace Lost Income

Using a critical illness policy to supplement lost income is another great way of getting a type of disability income insurance. Now, a critical illness policy technically is NOT a disability insurance policy. It does not cover things like pneumonia, fibromyalgia, chronic cough, etc. What it does cover are major life altering illness and injuries that can keep you off the job for months, if not years: cancer, heart attack, stroke, by-pass surgery, MS, Parkinsons, spinal damage, organ failure, etc.

If a common disability policy including illness protection had a 90 waiting period, meaning your benefits only start after 90 days of paying your own bills, what types of illnesses would keep you away from work for that long? Well, the most common types would be the illnesses included on the critical illness insurance list. Also, critical illness insurance pays out after 30 days, not 90 days. All benefits are paid LUMP SUM and TAX FREE!

For most people in Alberta in this situation, a plan that covers two years of gross income is substantial insurance coverage. That means, if you had a heart attack, 30 days after diagnosis we would have a cheque for you for twice your annual gross income to put into your bank account. That should last you for about 3 years of income replacement (because you do not have to pay tax on that money).

A critical illness policy is usually much less expensive than illness protection on a disability insurance policy. Combining the premium savings on the injury only disability insurance and a lower cost critical illness insurance policy, you can feel confident you are well insured from things like a fall, car accident, heart disease, cancer, brain injury, etc.

Summary

This solution has worked well for many blue collar workers and trades people. Putting together a non-traditional solution for disability/income protection insurance has saved clients a lot of money in annual premiums (usually $600 - $1,000 per year). It provides an even greater level of protection from major illnesses that could affect you, and you know that injuries suffered on the job or away from work will also be insured.

About The Author

Mitch Reynolds, MBA
President, Life Guard Insurance
http://life-insurance-alberta.com

Mitch Reynolds has been a a licensed life insurance advisor and manager since 2000. With over 10 years of industry experience with Clarica Financial/Sun Life, RBC Insurance and ATB Investor Services, Mitch knows how to structure insurance solutions for any type of need.

By Mitch Reynolds

When shopping for life insurance, disability insurance or health insurance you might have been approached by any number of agents representing different companies to offer you advice and insurance products. Very often agents who represent only one company cannot offer you the same quality and selection of life insurance and health insurance products in Alberta that would suit your needs, or be the most competitively priced.

An Alberta life insurance broker will be able to offer you the best insurance advice, be able to shop the entire Canadian life insurance market on your behalf, and knows which insurance companies would be best suited to your needs. Not all life insurance brokers are created equal, however. Let us look at some basic characteristics that make an Alberta life insurance broker the expert that can serve your needs.

Access To All The Major Life Insurance Companies

An Alberta life insurance broker should have access to any of the major life insurance companies in Canada. There is a core list of the top companies that your broker should have contracts with in order to get you the best insurance deal. Here is a list in alphabetical order: BMO Insurance, Canada Life, Desjardins, Empire Life, Equitable Life, Industrial Alliance Pacific, Manulife Financial, RBC Insurance, Standard Life, Sun Life, and Transamerica.

These are the top 10 life insurance companies in Canada today (Canada Life is the brokerage arm of Great West Life, and their products are very similar). There are a number of life insurance companies that recruit only career agents and train them to sell selective products not offered to the brokerage market. These companies include Freedom 55, Primerica and Sun Life Career Sales (some unique products). There are also career agents who only represent certain companies, even if those companies allow brokers to also sell their products. These captive agent companies would be RBC Insurance Career Sales, Desjardins, Industrial Alliance Pacific, Sun Life Career Sales and World Financial Group (sells main Transamerica policies).

If you are dealing with a captive agent, you will not have access to the entire Canadian marketplace to find the cheapest life insurance policy that meets your needs. And in some cases, like with Primerica, the life insurance policies are inferior to the standard policy sold in the market (in Primericas case, the company only sells term life insurance and has no permanent policies to convert the term to later in life).

If your insurance broker or agent does not have access to at least 8 of the top ten companies, you could be buying a policy that will cost you much more than you should be paying in a competitive life insurance market.

Access To Specialty Insurance Companies

Not everyone fits into the “average” Canadian mould. There are a number of specialized insurance companies that would be able to offer unique benefits for situations out of the ordinary. Below is a list of companies in the specialty market and what kinds of unique benefits they offer our clients in Alberta.

Assumption Life: very good for foreign travel: even insuring Albertans living overseas as ex-patriots. Can do online/telephone applications for clients in remote locations.

Canada Protection Plan: the best non-medical life insurance company in Canada. Offers different types of plans for different types of health risks. If you are unhealthy and cannot qualify for regular life insurance, CPP will probably be able to offer you a policy.

The Edge Benefits: the best specialty disability and living benefits insurance company for blue collar workers and trades people in Canada. Specialty products designed for higher risk jobs.

Access to these specialty carriers will round out your broker’’s offering and make his/her advice appropriate for any situation. If you fit into an abnormal category, like travelling overseas regularly or you have a major health issue, your life insurance broker should be able to offer you some options.

Having technical expertise and negotiating power ia another important factor of an insurance brokerage. Unfortunately, not all brokers have the kind of support they should have to best serve their clients. In the Canadian brokerage world, agents and agencies work with larger brokerage shops called Managing General Agencies (MGAs). These MGAs have build solid reputations with life insurance companies over time and have a large number of life insurance agents who process business through them.

The MGA provides ongoing training, expertise in designing complex insurance policies, ability to negotiate problem cases with the underwriters of a particular insurance company, and an efficient and up-to-date back office administrative system. Financial Management, a PPI Solutions Company, is a geat example of a strong MGA. Financial Management is now the largest MGA in all of Western Canada, and partnered with PPI Solutions makes it is the largest MGA in Canada. They have a deep relationship with insurance companies going back 35 years. They offer insurance agents and agencies the best back office support, state of the art online administrative and tracking systems, and the technical and underwriting support needed to get clients the best policies.

Your Best Alberta Life Insurance Broker

If you are already working with a life insurance broker, check to see if they offer you all the options and support mentioned above. If you are working with a captive life insurance agent, you would be wise to get a second opinion before you buy (or on the insurance product you have already bought).

Try to find an insurance broker who can offer you all these options; top life insurance companies and specialty carriers in Canada; technical excellence, underwriting support and negotiating power, and a high level of customer service is what you should expect in the industry.

About The Author

Mitch Reynolds, MBA
President, Life Guard Insurance
http://life-insurance-alberta.com

Mitch Reynolds has been a a licensed life insurance advisor and manager since 2000. With over 10 years of industry experience with Clarica Financial/Sun Life, RBC Insurance and ATB Investor Services, Mitch knows how to structure insurance solutions for any type of need.