Jacobson Insurance Brokers

"Helping North Vancouver and Lower Mainland consumers
save money on term life insurance and living benefits for 23 years."

Kent N. Jacobson, CFP, C.F.S.B.
Certified Financial Planner
Life Insurance broker since 1989

Phone: (604) 988-2433
kjcontact@jacobson-insurance.com

Jacobson Insurance Brokers
#265 - 1000 Roosevelt Cres.
North Vancouver, BC V7P 3R4 Canada

Note: this site deals solely with the insurance portion of my practice and does not include the area of investments.

Index:

1. Term Life Insurance Buyers' Guide with Money Saving Tips and Free Instant Canadian Quotes

2.
Instant No-Medical Term Life Insurance

3. Instant No-Medical Critical Illness Insurance

4. Health and Dental Insurance

5. What You Need to Know about "Cancer Insurance"
a.k.a. Critical Illness Insurance - (see July 28, 2009 News Item in # 9 below)

6. "Mortgage Insurance"

7. Disability Insurance for Contractors and Self-Employed

8. In-Home & Long Term Care Facility Insurance

9. News Item! July 28, 2009 - North Vancouver man denied potentially life-saving drug for his cancer - $45,000 cost.

10. Biography of Kent N. Jacobson, CFP, C.F.S.B. and description of service

11. Contact Us

12. Driving Directions to our North Vancouver office





1. Term Life Insurance Buyers Guide with Money-Saving Tips and Free Instant Canadian Quote

You will find this section to be full of tips to help you save money on your term life insurance. You may wish to read through these money-saving ideas first, or jump ahead at any time to obtain a free Canadian quote (for residents of British Columbia).

If you like to know as much as possible about term life insurance and how to make a wise decision in obtaining the type and amount that is best for your situation, this is for you! Information is also included on permanent life insurance.

Please proceed now to our
Term Life Insurance Buyers Guide with Money Saving Tips.

At any time you wish, you can go ahead and obtain your free quote! Or, click to come back to this home page and look at other items that may be of interest to you.

If you require assistance, you may feel free to send an e-mail to me at kjcontact@jacobson-insurance.com .

When you've found your best rate, I'll help you get it!
(Note: this is limited to British Columbia residents)

This will help you save hundreds, and even
thousands of dollars on your term life insurance!

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2. Instant No-Medical Term Life Insurance

"I am in good health, and
I want some Term Life Insurance."

"I really hate medicals, nurses and needles!
I just want to have term life insurance."

"Kent, can you help me?"

Absolutely!

I'll be happy to help you with the term life insurance application. Just send me an e-mail at
kjcontact@jacobson-insurance.com and I will guide you through it at no cost to you. Some coverage is issued instantly, and some after a very short period. Some coverage can be arranged entirely over the phone, in appx. 15-20 minutes, with no medicals.

E-mail me if you would like this NO-MEDICAL term life insurance, completed over the phone.

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3. Instant No-Medical Critical Illness Insurance

Critical Illness Insurance (a.k.a. "Cancer Insurance") pays you while you are alive
- rather than only if you were to die - to let you take time off work, rest and get better!

NO medicals, nurses or needles!
NO health questions!
(See explanation of Critical Illness insurance
further down on this page).


I'll be happy to help you with the application.

Just send me an e-mail at kjcontact@jacobson-insurance.com
and I will guide you through it at no cost to you.


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4. Health and Dental Insurance

Quotes for individual health and dental plans.

There is also "bridge coverage" for people who have left their employment
and need a new plan to take the place of the old one they had with their employer.

I'll be happy to help you with information or an application. Just send me an e-mail at:
kjcontact@jacobson-insurance.com and I will guide you through the options and details.

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5. What You Need to Know about "Cancer Insurance" (a.k.a. Critical Illness Insurance)


I'd like to share something with you.

My name is Kent Jacobson and I had life-threatening cancer 12 years ago.

From personal experience, I can say that the most satisfying phrase in the English language is: "I HAD cancer, and I SURVIVED!"

Life Insurance can be called "Death Insurance" because it pays somebody ELSE when you die.

Cancer Insurance pays YOU while you are still ALIVE, and helps you afford the medicine or surgery you need to SURVIVE. If you are healthy, you are most in need of this coverage, because you are most likely to survive cancer, but "die financially" from it.

Why do I call Critical Illness Insurance "Cancer Insurance?" Because 60% of all claims are for cancer. (Some companies are now reporting claims in excess of 70%). Heart Attacks, Strokes, Bypass surgery and many other conditions are covered, but let's focus on the "Big C."

There is an extremely effective, experimental breast cancer medication that costs $350 a DAY and is NOT covered by the B.C. Medical Plan! You may be asked, "You DO want the medication, don't you?"

"Yes, doctor, I do, let's get started," is the answer you want to give. Not, "I wish I could, doctor, but how am I going to afford $10,000 a month when I'm sick and missing days of work?"

News reports show that many people will now even have to pay for chemotherapy drugs that were previously covered under the B.C. Medical Plan.

An article in the Province newspaper on July 28, 2009 spoke of a North Vancouver man who was being treated by a local oncologist, Dr. Klimo. He needed a cancer drug costing $45,000, administered in a series of injections,in a final attempt to save his life. BC Med wouldn't pay for it. Since the time that article was written, other clients, including a Registered Nurse, have told me of courses of injections (10 @ $5,000 each, total, $50,000) being filled through a local pharmacy, as the news article had referenced.

People use critical illness insurance both to cover costs like mortgage payments and living expenses, and also to afford therapies to give them hope to survive.

An acknowledged "miracle drug" by the name of Glivec can cost more than US$450 a DAY, and was on the cover of Time magazine as a "magic bullet" for an especially deadly form of blood cancer known as chronic myeloid leukemia. Cost: $2,400 (US) for one month's treatment. Estimated cost of treatment, $86,000 US. Treatment is estimated to be required for 3 years, but may be needed for one's lifetime, nobody is yet sure.

Just another so-called experimental drug with uncertain results?

The TIME magazine article described the desperate straits of one man, 48-year-old Bob Ferber, a Los Angeles prosecutor.

Less than 2 years before the article was written, he was lying in a hospital room considering suicide to escape the pain radiating from his bones. "From crawling across the floor on my knees to go to the bathroom, I'm now back at work," says Ferber, 48. "I go to the gym, I'm volunteering for an animal-rescue group. I have a girlfriend. It's the dream of any cancer patient in the world to be able to take a pill that works like this. It's truly a miracle."

"This drug is the magic pill people have dreamed of. It's given me the ability not just to survive but to have my life back." -Bob Ferber, Cancer Survivor

Victoria Reiter, a 63-year-old writer and translator living in Manhattan and mother of two daughters, figured she had only a few months to live.

Reiter had spent most of 1999 in bed, too sick to read, to walk, to do much of anything - although she had managed to put together lists dividing her possessions between her two daughters.

Then she went on an experimental drug called Glivec, and within weeks everything changed. "All my energy started coming back," she says. "Suddenly I could read. I could take a walk." By August, tests showed her bone marrow was clear of leukemia cells; in December she took up the Argentine tango. She still has the lists of what her daughters will get, but, she exults, "They're not going to get it yet!"
(Our thanks to Time Magazine for these excerpts).

A full course of treatment for the estimated 3 years it takes to survive costs approximately $86,000 U.S. Dollars! And there's no guarantee that you can stop at 3 years, although it is saving your life. What would you do when the money ran out at 3 years, or sooner? Just give in and die? Or save your life? A life-saving medication like Glivec is NOT covered under the B.C. Medical Plan! In fact, even some chemotherapy drugs are no longer covered under the B.C. Medical Plan at all!

If you are asked, "you do want to try this experimental medication....don't you?" what are you going to say?
"I can't afford it?" Hardly! You want to save your life.

Many other types of coverage ARE important and DO fulfill a financial need. But this is the ONLY type of coverage that can literally SAVE YOUR LIFE.

We have life-threatening Cancer Insurance (also includes heart attack, bypass and stroke + more) that pays you a tax-free lump sum of money to help you afford the "magic bullets" of today and tomorrow! Plans typically range from 50 cents to 5 dollars a day! Everybody can afford it!

Protect yourself from cancer today and save your life.
E-mail me for a quote at the link below, and I'll help you find the most affordable coverage to suit your needs and budget.

Note: new policies typically have a 90 day exclusion at the beginning for cancer. Companies are afraid that people may feel there is something wrong with them and quickly run out to get a policy. Once clear of the 90 day exclusion, the usual 30 day period from the diagnosis of the illness to time of claim (with most companies) will apply.

Click here to request a quote by e-mail or telephone call now, and I will be happy to answer your questions and help you review your needs.

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6. "Mortgage Insurance"

"Mortgage Insurance" is a generic description of life insurance (optionally including disability and critical illness insurance) designed to pay your mortgage balance if you were to die, become disabled, or suffer a critical illness such as cancer or a heart attack.

Approximately 95% of people in good health can save a considerable amount of money by obtaining their mortgage insurance privately instead of accepting the coverage offered by the bank.

There are significant advantages to doing so.

- The coverage does not need to be tied to the bank mortgage. You can name any beneficiary you wish; it does not have to be paid to the bank.

- You own the coverage directly, you are not a "third party" to the coverage as you would be with bank-owned "creditor group" coverage. Your beneficiary (or you, in the event of a critical illness or disability) may decide whether to pay the entire mortgage, or to service the mortgage payments until a later time. For example, if you decide to sell your home, but want to wait for a higher-priced real estate market and live off the insurance money in the meantime, or if you need to cover immediate medical costs, etc.

- You do not have to fear being in poor health if you wish to change mortgage lenders or move to another home. Your privately-owned coverage moves with you. Being able to make timely changes without fear of being unable to re-qualify for health reasons can save you thousands of dollars over the lifetime of your mortgage.

- Your benefit is creditor-protected if paid to a beneficiary such as your spouse, parent, child or grandchild.

- Your policy may not be cancelled without your permission.

- In most cases, the rates are fully guaranteed.

- You can choose coverage that does not decline in value along with the outstanding amount of your mortgage (unless you want it to). With the bank, you have no choice, even if you develop health problems and need to keep your coverage.

- You select the amount of coverage YOU want. You can obtain an additional amount over and above the mortgage to pay final expenses, for money to fix the roof or furnace, or to care for other family needs.

- In most cases, you have the right to convert all or part of your coverage to continue for life without the need to be in good health or go through any medical tests.

Click here to request a quote by e-mail or telephone call now, and I will be happy to answer your questions and help you review your needs.

 

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7. Disability Insurance for Contractors and Self-Employed

Disability Insurance can help to replace your income if you become disabled due to an accident or sickness.

Many people only have WorkSafe (formerly known as the Workers Compensation Board - WCB) insurance. This only pays for disability due to an accident (not sickness) and ONLY when you are at work.

Many contractors and other self-employed people are now opting for injury coverage that improves on WorkSafe.

There is now affordable, instant-issue injury coverage for disability that protects you around the clock, not only when you are at work.

This coverage is ideal for people who want to lead a normal, active life outside work. They want to ski, play soccer, ride their bikes and engage in other activites, but are afraid of an injury that will prevent them from working. This affordable, instant coverage allows you to have protection so you can go back to doing the things you enjoy, without worrying about losing your income.

What about car accidents....doesn't ICBC cover me?

You cannot rely on ICBC to protect your income if you are in an accident - even if it is not your fault! ICBC will only reimburse you to a MAXIMUM of $300 a week for lost wages, and a MAXIMUM damage award, no matter how severe the accident, of $265,000 lifetime. You MUST protect yourself with private coverage - you cannot rely on ICBC.

What about Group Insurance? - My employer provides coverage - am I okay?

Some people have employee "group" insurance at their place of employment. Group long term disability (LTD) generally has a lengthy period during which you must be disabled each and every day, usually for 17 or 26 weeks in a row, before you can even qualify. People are often unable to qualify due to this very strict definition, as most disabilities tend to be "stop and start" in nature.

If you return to work, even for one day, you have to start all over again on your waiting period (Elimination Period) before being eligible for benefits. Sadly, some people who are disabled lose their jobs before they are ever able to qualify for disability benefits.

If you have managed to jump this hurdle and get on claim, most employer-sponsored group plans only protect you in your own occupation for 2 years, then you are considered "off claim" if you can do almost any job, whether or not there is even one available!

A privately-owned plan may contain many guarantees and improved definitions that can offer you better protection. For example, it may be possible to extend the "own occupation" period to 3 years, and even up to age 65, depending on your occupation and the type of plan you choose to obtain. You can also obtain coverage that begins on the first day you are injured, so you can be paid without a lengthy waiting period.

Click here to request a quote by e-mail or telephone call now, and I will be happy to answer your questions and help you review your needs.

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8. In-Home and Long Term Care Insurance

"To whom it may concern

"I have no hesitation in saying that the service which I have received from Mr. Kent Jacobson in connection with a long term care insurance policy could not have been better.

"He has attended to details in setting it up and in following through to ensure that payments were/are made when due and generally been helpful beyond the call of duty."

R. Ivan Brown
North Vancouver, B.C.


Many people think Long Term Care is only provided in a nursing home. This couldn't be further from the truth.

The vast majority of care is provided in the home, often by family members who are simply unable to cope. Many times it is embarrassing for the person needing care to have family members assist with personal bodily functions, while maintaining their sense of dignity.

Government in-home care assistance is woefully inadequate, and many people who could otherwise stay in the comfort of their own homes are forced into nursing homes, if space in a four-person ward is even available for them to go to. (And even then, the popular misconception is that such care is "free." It is not; unlike a hospital, people are billed PER DAY in any nursing home).

Our aging demographics are placing a greater strain on our elder population than ever before. Aging spouses are fatigued and lack the energy or strength to provide in-home care, and adult children are caught in the "sandwich" generation which is trying to care for parents and children at the same time. Virtually all of them are fatigued, exhausted, and some are simply unable to cope.

It is possible to pre-plan for in-home care for only pennies on the dollar, enabling tax-free dollars to be delivered to care for you in your own home when you need it most, and enabling you to live with dignity. You must not wait until you are unhealthy or at the point of needing care; you will no longer qualify to receive this valuable coverage.

Click here to request a quote by e-mail or telephone call now, and I will be happy to answer your questions and help you review your needs.

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9. News Item! July 28, 2009: - North Vancouver man denied potentially life-saving drug for his cancer - $45,000 cost.

An article in the Province newspaper on July 28, 2009, spoke of a North Vancouver man being treated for throat cancer by a local oncologist, Dr. Klimo. He needs a cancer drug costing $45,000 which is to be administered in a series of injections, in a final attempt to save his life. BC Medical won't pay for it.

There is an effort underway to raise funds for this necessary treatment. The man was shown in the article with his two sons, and he had said how hard it had been to tell them. We hope he is able to get the needed funds for this treatment.

Sad stories like this emphasize the need to be able to take care of ourselves, and not rely on the medical system. It reminds us that situations arise where a treatment can potentially save our lives, but there is a cost, and "the system" often won't pay for the cure we need.

As a cancer survivor, I am very interested in any critical illness coverage for people who have already had a critical illness, as this has, in the past, meant that you are utterly insurable for critical illness under an individually-owned policy, for life.

There has been an extremely interesting development in the Canadian marketplace. It is now possible to get this coverage, even if you have HAD a dread disease such as cancer that had not metastasized, and had been fully treated. I have obtained this coverage for myself.

Click here to e-mail a request for more information about this coverage and I will be happy to answer your questions.

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10. Biography of Kent N. Jacobson, CFP, C.F.S.B. and description of service


Entered the insurance business in 1989, and obtained mutual funds license in 1991.

Commenced the CLU course of studies in 1991. On attaining the designation in 1993, received the Leslie W. Dunstall Memorial Medal for highest overall average examination marks in the province of B.C. Course of studies included Taxation, Estate Planning, Economics, Business Finance, Law, Pension Plans and Life & Group coverages.

Was invited to serve on the Board of Directors of the B.C. Mainland Chapter of Chartered Life Underwriters and Chartered Financial Consultants in 1993. Served on the Board for 4 years as Seminar Director and Membership Director, retiring as Vice-President. The Chapter received the "DeHaerne" trophy as the top Canadian Chapter for all 4 years of participation on the Board.


In 1994, completed course of studies for the designation of Chartered Financial Consultant (CH.F.C.)

In 1994, appointed to the Board of Directors of the Independent Life Insurance Brokers of Canada (now the Independent Financial Brokers of Canada), and served as B.C. Director until May 2001. Qualified for the Association's designation of C.F.S.B. (Chartered Financial Services Broker).

In 1996, qualified for the CFP (Certified Financial Planner) designation.

A few words about my service......

Throughout my career, I have firmly believed that the public may only be served well by full and complete brokerage across the insurance industry.

No one company, or even three or four, may adequately provide for the needs of the life insurance consumer in all situations, ages, face amounts, etc. Yet, the average consumer only sees the quotes of two or three companies, or perhaps only one, even though the most expensive company in a survey may be three times as costly as the least expensive company, for identical coverage.

When you are seeking to obtain insurance, I work as your "buyer's agent" to help you obtain the best coverage at the most affordable rates, from whichever company proves worthy of your business. There is no cost to you for an initial phone or in-person consultation.

Lastly, I believe there is no such thing as a "dumb" question; every question deserves a thoughtful answer. Many people feel a bit embarrassed that they don't have more knowledge on this topic - little do they realize that most people say exactly the same thing to me when we meet. So, relax!

My policy is: "I take the time to answer all of your questions until there aren't any more."

You aren't expected to have all the answers to questions about complex financial instruments when you first walk in the door or when we speak on the phone. I have been studying them for 20 years! What I do hope is that after I have answered all of your questions, you will have a better understanding than you did before, and feel comfortable about implementing a plan for your protection, both now, and into the future.

Hence, I allow plenty of time for an initial appointment, so that you do not feel rushed. I feel that what we are doing is important - we are planning ahead for the next several years of your life - perhaps even decades into the future. We should take the time to get it right.

Thank you for allowing me the time to share my thoughts with you, and I hope that you will find this approach to be both refreshing and beneficial.

To speak with me on the phone or to arrange an appointment, please scroll down further to my contact information, below.

Regards,

Kent N. Jacobson, CFP

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11. Contact Us

Kent N. Jacobson, CFP, CFSB
Certified Financial Planner
Jacobson Insurance Brokers
#265 - 1000 Roosevelt Cres.
North Vancouver
BC V7P 3R4 Canada

Scroll down for driving directions and Google map

(604) 988-2433 Office
(604) 726-2599 Cel
kjcontact@jacobson-insurance.com

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12. Driving Directions:

Click here to see a Google Map to our North Vancouver office (a new window will open, simply close it when finished).

Or use the following links for written directions.

Driving over the Ironworkers Memorial (Second Narrows) bridge to North Vancouver:

Driving over Lions Gate Bridge to North Vancouver:

Driving from Horseshoe Bay eastbound on Upper Levels Highway (Hwy 1) to North Vancouver:


Driving over the Second Narrows bridge to North Vancouver:

Make sure you are in the right-hand lane as you cross the bridge. At the end of the bridge, you will quickly come upon 2 exits in a row. Don't take the first one, take the 2nd one, (where you are forced to exit).

You will loop back under the bridge and start heading west on Main St. It is exactly 6 kilometres from this point until you make the turn to our office.

Just keep going straight west all the way (6 km from where you start on Main). Main St. will become 3rd St. as you climb a hill. Eventually, 3rd St. will merge into Marine Dr. Stay on Marine Dr. until you see Capilano Mall on your left-hand side. Go one block past the mall.

Marine Drive will start to make a left curve at the intersection of McKay Road. (You will see a brick building with Indigo Books on the far left corner and a yellow-coloured restaurant named Hurricane Grill on the near left corner). Turn left on McKay Road.

Follow McKay Road south for 2 blocks until it curves right into Roosevelt Crescent. Our building is immediately on your right-hand side as you make the curve. The address is #265 - 1000 Roosevelt Crescent.

Click here to see a Google Map to our North Vancouver office (a new window will open, simply close it when finished).

The front entrance is open until 5 p.m. If you have made a prior appointment to visit after 5 p.m., please call 604 988-2433 or 604 726-2599 from your cel, (or before you leave), so we can let you in.

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Driving over Lions Gate Bridge to North Vancouver:

Stay in the right lane as you cross the bridge. As you exit, you will be heading east on Marine Drive.

Marine Drive makes a slight right curve at the intersection of McKay Road. Turn right on McKay Road. (If you are familiar with North Vancouver, this is one block before Capilano Mall, where the Avalon Hotel used to be located. There is now a brick building with an Indigo Books store).

Follow McKay Road south for 2 blocks until it curves right into Roosevelt Crescent. Our building is immediately on your right-hand side as you make the curve. The address is #265 - 1000 Roosevelt Crescent.

Click here to see a Google Map to our North Vancouver office (a new window will open, simply close it when finished).

The front entrance is open until 5 p.m. If you have made a prior appointment to visit after 5 p.m., please call 604 988-2433 or 604 726-2599 from your cel, or before you leave, so we can let you in.

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Driving from Horseshoe Bay eastbound on Upper Levels Highway (Hwy 1) to North Vancouver:

After you cross the bridge over the Capilano River, take the Capilano Road exit. At the traffic light at the bottom of the exit ramp, turn left on Capilano Road, and proceed to the intersection of Marine Drive.

(There is a shortcut to avoid the heavier traffic at the intersection of Capilano and Marine Drive. As you proceed down Capilano Road, if you notice "Garden" on your left, turn left and follow it to Marine Drive instead).

Turn left at Marine Drive.

Marine Drive makes a slight right curve at the intersection of McKay Road. Turn right on McKay Road. (If you are familiar with North Vancouver, this is one block before Capilano Mall, where the Avalon Hotel used to be located. Now there is a modern brick building with an Indigo Books store on the right-hand side at the intersection where you turn).

Follow McKay Road south for 2 blocks until it curves right into Roosevelt Crescent. Our building is immediately on your right-hand side as you make the curve. The address is #265 - 1000 Roosevelt Crescent.

Click here to see a Google Map to our North Vancouver office (a new window will open, simply close it when finished).

The front entrance is open until 5 p.m. If you have made a prior appointment to visit after 5 p.m., please call 604 988-2433 or 604 726-2599 from your cel, or before you leave, so we can let you in.

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Page Directory:

1. Term Life Insurance Buyers Guide with Money Saving Tips and Free Instant Canadian Quotes
2. Instant No-Medical Term Life Insurance
3. Instant No-Medical Critical Illness Insurance
4. Health and Dental Insurance
5. What You Need to Know about "Cancer Insurance"
a.k.a. Critical Illness Insurance
6. "Mortgage Insurance"
7. Disability Insurance for Contractors and Self-Employed
8. In-Home & Long Term Care Facility Insurance
9. News Item! July 28, 2009 - North Vancouver man denied potentially life-saving drug for his cancer - $45,000 cost.
10. Biography of Kent N. Jacobson, CFP, C.F.S.B. and description of service
11. Contact Us
12. Driving Directions to our North Vancouver office

Mutual Funds and some Segregated Funds provided by the Fund Companies are offered through Worldsource Financial Management Inc.; other Products and Services are offered through Jacobson Insurance Brokers and Kent Jacobson.

E.@O.E. - Errors and Omissions excepted
Our thanks to Time Magazine and the Province newspaper for excerpts used.

All other material Copyright 2002 - 2012 Kent N. Jacobson, CFP and Jacobson Insurance Brokers