CompuOffice Software Inc
8300 Woodbine Ave, Suite 200 L3R-9Y7 Markham, ON, Canada

Effective October 31st, SSQ has revised it term portfolio offerings. The revisions include: -Removal of the Company's Term 10, Term 20 and Term 70 products, including removal of their indexing option. The Company has added new term products "Term Plus" for various level and decreasing face amount need. -Please note that the Term Plus products are only renewable for 5-year level intervals regardless of the original level duration -Revision of the initial underwriting evide...nce requirements for all term and permanent product offerings. *** It is important to note that SSQ's N1 "Elite" risk class with the lowest premiums requires a TOTAL ABSTINENCE from Tobacco, Nicotine and related substances for a MINIMUM OF 60 MONTHS - NOT JUST 12. Likewise, SSQ's other "non-smoker" risk classes may require total abstinence for Tobacco, Nicotine and related substance consumption for periods that exceed 12 months. Most importantly, misrepresentation of Tobacco, nicotine or related substance consumption may and likely will render the policy void ab initio (from the outset) to cause the denial of a claim under the policy. SSQ' quoting tool fails to point this out at user input to produce quotes but it is important for you to know. Canada's leading independent multiple carrier software and data service, LifeGuide(R), includes the "Ascertain" function with its Tobacco/Nicotine and related substance consumption questionnaire to avoid this pitfall.

Just now The federal government passed legislation, lowering the minimum withdrawal rate from RRIFs for 2020 by 25%. This is as a token relief against the impact of the Covid-19 pandemic on the market and on many seniors' retirement savings. This reduction for 2020 is reflected in the upcoming automated update of LifeGuide(R) scheduled for tomorrow, April 15th. The update includes product revisions that are also effective tomorrow, along with this update to LifeGuide(R)'s RRIF Analysis module.

What gender is your computer?

Is this a trend or just happening at the bottom end? It happened 3 years ago, a couple of times each year since, and another time yesterday. The storyline is the same, the actors are different as are the scenario details. Yesterday's caller also invested nothing other than paying some outfit for the "sales lead", and succeeded in losing well over $1,000, plus his time, by investing nothing. Here's the description of the event 3 years ago: https://www.linkedin.com//zero-free-investment-can-produc/

If you are thinking of deferral of your mortgage payments for any period of time, it is important to consider the cost of doing so as, in fact, you will be BORR...OWING the amount of interest that would otherwise be paid AND would be paying interest on that interest until such time as you have fully repaid the principal, plus the interest, plus the interest on the interest. This is not a decision to be made lightly. For example, for a mortgage on which the current balance as of this date is $200,000, with 21 years remaining on the amortization schedule, and bearing a stated annual interest rate of 2.75%, and with mortgage payments of $1,044.08. paid monthly: If you defer the full monthly payment amount by 6 months, you would be ADDING $2,750 in debt to the amount otherwise having to be repaid when payments are resumed after the 6-months deferral period. See the M.I.L.A. illustration of the above example of the above in the first image below. Before you make a decision to defer your mortgage payments, it would be prudent to consult with a financial advisor who is equipped with the LifeGuide(R) Professional Financial Software, and is therefore also equipped with M.I.L.A.. (No, that doesn't mean that her name is necessarily Mila or that he is married to or partnered with Mila but stands for Mortgage, Investment & Loan Analysis.) To locate such an advisor who you may consult with, go to Canada's postal-code searchable financial advisors' database at: https://www.winquote.net/broker_search.html?lang_code=en () , . , () () () () () , , . . , 200,000 $, 21 , 2.75% 1,044.08 $. : () () 6 , () () 2,750 6 . ( " ). () , (LifeGuide (R), - MILA. (, , , .) () (), , : https://www.winquote.net/broker_search.html?lang_code=en [ MILA, LIFEGUIDE , CompuOffice Software Inc. .]

June 17, 2019: This morning's automated updates of LifeGuide and CompeteCA include the further expansion of "insurance on the person" products and the inclusion of an additional carrier whose products were never listed on any independent multiple company insurance research, comparison and quotation software.

Effective October 31st, SSQ has revised it term portfolio offerings. The revisions include: -Removal of the Company's Term 10, Term 20 and Term 70 products, including removal of their indexing option. The Company has added new term products "Term Plus" for various level and decreasing face amount need. -Please note that the Term Plus products are only renewable for 5-year level intervals regardless of the original level duration -Revision of the initial underwriting evide...nce requirements for all term and permanent product offerings. *** It is important to note that SSQ's N1 "Elite" risk class with the lowest premiums requires a TOTAL ABSTINENCE from Tobacco, Nicotine and related substances for a MINIMUM OF 60 MONTHS - NOT JUST 12. Likewise, SSQ's other "non-smoker" risk classes may require total abstinence for Tobacco, Nicotine and related substance consumption for periods that exceed 12 months. Most importantly, misrepresentation of Tobacco, nicotine or related substance consumption may and likely will render the policy void ab initio (from the outset) to cause the denial of a claim under the policy. SSQ' quoting tool fails to point this out at user input to produce quotes but it is important for you to know. Canada's leading independent multiple carrier software and data service, LifeGuide(R), includes the "Ascertain" function with its Tobacco/Nicotine and related substance consumption questionnaire to avoid this pitfall.

For the benefit of the thousands of LifeGuide suscribers coast to coast, the "Marketing Information" sections in LifeGuide, CompetCA as well as the cloud/web edition of LifeGuide - WebLG - are being expanded to include the listing of eligible appointed MGAs, along with satellite marketing and contracting offices of the insurance company. If your office is duly appointed as an MGA by this insurance company or, if your office is one of the insurance company's satellite marketing and contracting offices, and if your office would be interested to be included as a marketing resource for this company's products, please communicate by e-mail to [email protected]

https://www.linkedin.com//readied-launch-weblgtm-cloudweb-

With the advent of the Hebrew New Year, 5780 - an opportunity for us at CompuOffice Software Inc. to wish everyone a fabulous year of doing great things with passion, consideration, energy, innovation, prosperity, health and enjoying our time with family and friends.

Comparison of insurance "on the person" contracts (life, CI, LTCi, DI, etc.) should not be made on "price" alone. Actually, "comparisons" of CI insurance offerings based on price alone are potentially misleading to the client. Like other insurance "on the person" contracts, CI insurance contracts are not standardized and are worded differently. Insurance is a legal contract and that legal contract governs. The differences among CI contracts can be quite substantial. Wha...t CI events/conditions are covered and what are the exclusions is just as important to consider as is the premium. Available ONLY in LifeGuide(R): I am pleased to advise that LifeGuide(R) again widens its consistent lead since nearly 30 years ago. LifeGuide's covered CI Conditions Comparison spreadsheet-like module is now enhanced to instantly display the wordings of the contractual definition of each covered CI condition/event for each carrier, for each policy and for each covered CI event/condition. This newest enhancement is slated to be included in the next automated update of LifeGuide. Below is one of the screen images:

Is this a trend or just happening at the bottom end? It happened 3 years ago, a couple of times each year since, and another time yesterday. The storyline is the same, the actors are different as are the scenario details. Yesterday's caller also invested nothing other than paying some outfit for the "sales lead", and succeeded in losing well over $1,000, plus his time, by investing nothing. Here's the description of the event 3 years ago: https://www.linkedin.com//zero-free-investment-can-produc/

June 17, 2019: This morning's automated updates of LifeGuide and CompeteCA include the further expansion of "insurance on the person" products and the inclusion of an additional carrier whose products were never listed on any independent multiple company insurance research, comparison and quotation software.

https://vimeo.com/328727921

Brief overview of some of the functions and capabilities of the LifeGuide Professional Software - webinar recording, unedited. https://vimeo.com/328727921

When a product offering is competitive, the seller is motivated to have it compared with the offerings of other competitors. The converse is often the case when the offering is not as competitive as advertised. When it comes to life insurance or critical illness insurance, the wise move is to consult with a LifeGuide-equipped insurance advisor.

https://www.youtube.com/watch?v=_kLThMOMoRQ&feature=youtu.be

http://blog.lifedesignanalysis.com/equipped

Manulife Introduces Family Term with Vitality Published on September 26, 2016 Ami Maishlish...Continue reading

LifeGuide's Special Risk Products' Module

LifeGuide: The LifeGuide MultiLife Functions - A Brief Review. LifeGuide's numerous unique functions and advantages for LifeGuide-equipped advisors and their clients, also include the advanced LifeGuide MultiLife functions. The benefit, both qualitatively and quantitatively can be, and often is, quite significant.

If you are a life insurance agent, financial planner or advisor or a consumer considering the purchase of life insurance, you are invited to visit the YouTube channel https://www.youtube.com/channel/UCPn_ESPOGVXxReY3dTUfrfg We are posting brief tutorials on the LifeGuide Professional financial and life insurance software and data service on that channel. Note: Please don't call us to buy life insurance or investments. We are a software firm and are not involved in life insurance or financial instrument sales. However, our firm provides the primary and most advanced research tools. If you are a consumer considering the purchase of life insurance, ask the agent to provide you with a LifeGuide market survey. If (s)he can't or won't, find another agent who will. It's your money!

LifeGuide provides for the "layering" of insurance coverage for various needs, taking advantage of multiple coverag discounts as well as of aggregation of volume discounts while comparing the options made available by the various life insurers. Only LifeGuide provides for this benefit to professional financial advisors to benefit their clients.

LifeGuide includes advanced facilities to save and archive user input and survey output resuts on a theoretically unlimited number of lives and quotation permutations. LifeGuide's internal databases, including those of saved user input, provide for high level of encryption, along with a passwords and pass sentences as long as 255 characters, numerals, spaces and upper ascii. Archived databases can be saved, emailed or copied onto storage media for storage or for use to transfer to another machine and unarchived with LifeGuide.

LifeGuide - Comparisons by rate of return and calculation of rate of return

Introduction to quotations and comparisons of Critical Illness insurance policy offerings by the various Canadian life insurers

LifeGuide is fully bilingual, English and French. Switching from one language to another is as easy as simple as two quick clicks or taps

The clients of LifeGuide subscribers enjoy the benefits of "insurance age" conservation, along with another unique feature - available only in LifeGuide - OptiValue (find otherwise hidden opportunities to increase the coverage amount, without having to pay additional premiums, and based on the identical demographic criteria, insurance company and product).