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 * HOME
 * NEWS
 * BANKING
 * CONDOS
 * ESTATES
 * PRE-CLAIMS
 * CRITICAL MEDICAL
 * DISABILITY
 * LIFE
 * TRAVEL
 * HARD TO INSURE
 * CLAIMS
 * MEET IAN
 * more...

 * 1. Why This Website?
 * 2. Accessing Pages
 * 3. Why Log-In Pages
 * 4. WEBSITE MISSION
 * 5. WEBSITE PROFILE
 * 6. Statistic Patterns
 * 7. Website Sources

 * 1. Commentaries >
    * 1. Sharks and Risk
    * 2. Travel Claim Denied

 * 2. Insurance News >
    * Beneva Re-Branding
    * Great-West Re-brand
    * Ivari Re-Sold
    * Manulife Disability

 * 3. Risk Insuring Issues >
    * 1. Distracted Driving
    * 2. Electric Car Fires

 * 4. Travel Matters >
    * 1. Travel Certification
    * 2. Disclosure Issues
    * 3. Returning To Canada

 * 5. Scrivener Bibliography

 * 1. Condo Living
 * 2. Executive Summary
 * 3. Factoids For Condos
 * 4. Condo Articles, Ian's
 * 5. Condo Award
 * 6. Condos As Business
 * 7. Council Humour
 * 8. Condo Insurance
 * 9. Condo Management
 * 10. Condo Risks >
    * Compliance
    * Conflicting Ideas
    * Covid-19 Bubble
    * Electric Cars
    * Meetings
    * Mega-Quakes
    * Smoke Alarms

 * 11. Scope of Advice
 * 12. Ian's Condo Articles

 * 1. Estate Services
 * 2. Certification
 * 3. Advance Care Plan'g
 * 4. Annuities
 * 5. Estate Efficiency
 * 6. Executors
 * 7. Power of Attorney
 * 8. Tax Efficient Plans >
    * RRIF's
    * RRSP's
    * Segregated Funds
    * TFSA's

 * 9. Wills
 * 10. Ian's Fraud Articles

 * 1. Pre-Claims Are?
 * 2. Practice Profile >
    * 1. Mission
    * 2. Who Can Advise
    * 3. Client Profile
    * 4. Processes
    * 5. Service Levels >
       * 1. Opening Files
       * 2. Assessing
       * 3. Researching
       * 4. Recommending
       * 5. Applying
       * 6. Underwriting
       * 7. Placing
       * 8. Servicing
       * 9. Audit: Evolving
       * 10. Audit: Evaluating
       * Claim: The Next Stage
   
    * 6. Service Rights
    * 7. Meetings
    * 8. Confidentiality
    * 9. Informing Clients
    * 10. Informing Advisors
    * 11. Compensation

 * 3. Risk Awareness >
    * 1. Safety Tips & Topics >
       * 1. Canadian Source
       * 2. USA Source
   
    * 2. Know Your Hospital >
       * 1. Know Your Hospital
       * 2. Acute Causes
       * 3. Trauma Levels
       * 4. Getting To Hospital
       * 5. Injury Scale
       * 6. Canadian Centres
       * 7. USA Centers
   
    * 3. Health Risks >
       * 1. More Than Numbers
       * 2. Comparing Risks
       * 3. Health Disruptors >
          * 1. Top Hospitalizations
          * 2. Death Causes
          * 3. Bad to Good News
          * 4. Disability Causes
          * 5. Critical Medical
      
       * 4. Newest Disruptors
   
    * 4. Accident Risks >
       * 1. Accident Profiles
       * 2. Patterns in Statistics
       * 3. Airport Risks
       * 4. Animal Encounters
       * 5. Assaults
       * 6. Bike Riding
       * 7. Brain Injuries >
          * Winter Sports
      
       * 8. By Travel Type
       * 9. Falls And Accidents
   
    * 5.....More Accidents >
       * 10. Household Risks
       * 11. Pedestrians
       * 12. Photo Taking Risks
       * 13. Sharks vs. Lightning
       * 14. Sports >
          * 1. Summer Sports
          * 2. Winter Sports
      
       * 15. Wildlife Collisions
   
    * 6. Driving Risks >
       * 1. Driving Profiles
       * 2. Purposes in Canada
       * 3. Accident Outcomes >
          * 1. Province-Territory
          * 2. Urban vs. Rural
          * 3. Age Outcomes
          * 4. User Type Outcomes
          * 5. Police Chief Report
      
       * 4. Risk Factors >
          * 1. Distracted Driving >
             * 1. Distraction Types
             * 2. Distraction Facts
             * 3. Distraction Fines
         
          * 2. Driver Fatigue
          * 3. Large Trucks
          * 4. Time Patterns >
             * 1. Days of The Week
             * 2. Deadliest Days USA
             * 3. Months of Year
         
          * 5. Other Variables
      
       * 5. Left-Hand Traffic >
          * 1. Left-Hand Countries
          * 2. Left-Hand Tips
      
       * 6. Data Sources
   
    * 7. Travelling Risks >
       * 1 Why It Goes Wrong
       * 2. Alcohol >
          * 1. Vacation Profiles
          * 2. Pre-Trip Alert
          * 3. Legal Limits
          * 4. Flying
          * 5. Heart Syndrome
          * 6. Sun & Alcohol
      
       * 3. Alcohol by Region
       * 4. Application Errors
       * 5. Innocent Victims
   
    * 8. ...Travel Risks >
       * 6. Local Laws >
          * 1. Posted Notices
          * 2. Weird Laws
      
       * 7. Nature + People
       * 8. Photo-taking Risks >
          * 1. Animal Awareness
          * 2. Selfies
          * 3. Risky Photo Shots
      
       * 9. Recent Health
   
    * 9. ....Travel Risks >
       * 10. Recreational Risk
       * 11. Substance Use
       * 12. Ugly Outcomes >
          * 1. Non-Declared Health
          * 2. Retired Couple
          * 3. Ugly Oversights

 * 4. Frequent Questions >
    * 1. Analytics & You?
    * 2. Best Plans?
    * 3. Can My Spouse Work?
    * 4. Changing To Ian?
    * 5. Core Questions?
    * 6. Group or Personal?
    * 7. In a Hurry?

 * 5.....More Questions >
    * 8. Is Advice Free?
    * 9. Pending Medicals?
    * 10. Previous Decline?
    * 11. Self-prescribing?
    * 12. Underwriting Is?
    * 13. Who Is Represented?
    * 14. Why The Questions?

 * 6. Executor Services
 * 7. Client Feedback >
    * 1. Pre-Claims
    * 2. Claimant Remarks

 * 1. Factoid + Goals
 * 2. Who Can Advise
 * 3. Critical Medical IS
 * 4. Perspectives
 * 5. Elements In Design
 * 6. Adult's Conditions
 * 7. Youth's Conditions
 * 8. Dr. Marius Barnard
 * 9. Ian's Articles

 * 1. Factoid + Goals
 * 2. Who Can Advise
 * 3. Perspectives
 * 4. Elements In Design
 * 5. Risk of Disability >
    * 1. Risks of Disability
    * 2. Triggered Impacts
    * 3. 3rd Party Profiles
    * 4. Media Profiles
    * 5. Claim Profiles
    * 6. Perceived Hazards >
       * Perceived Hazards
       * 1. Accountants
       * 2. Dentists
       * 3. Lawyers
       * 4. Physicians
       * 5. Veterinarians

 * 6. Design Process >
    * 1. Design Process
    * 2. Plan Types
    * 3. Fundamentals >
       * Fundamentals
       * 1. Management Model
       * 2. Control Decisions
       * 3. Policy Concepts
   
    * 4. Canadian Plans >
       * 1. CPP Federal Plan
       * 1. Provincial Plans
       * 3. Personal Plans
   
    * 5. USA Disability Plans

 * 7. Commentary >
    * 1. Cost-Effectiveness
    * 2. Disability Insurers
    * 3. Documentation
    * 4. Free Advice
    * 5. Inflation Protection
    * 6. Maximum Incomes
    * 7. Monitoring Insurers
    * 8. Occupational Period

 * 8. More Commentary >
    * 9. Options and Riders
    * 10. Perfect Solutions
    * 11. Policy Control
    * 12. Policy Language
    * 13. Pre-set Variables
    * 14. Risk Vulnerability
    * 15. Static Planning

 * 9. Underwriting Issues >
    * 1. Underwriting Issues
    * 2. Declined Application
    * 3. Modified Application
    * 4. Uninsurable Risks
    * 5. Special Risks
    * 6. Strategic Solutions

 * 10. Solving Problems >
    * 1. Business Expenses
    * 2. Debt Payment
    * 3. Key Employees
    * 4. Mortgages
    * 5. Opportunity Costs
    * 6. Partnerships
    * 7. Personal Income
    * 8. Special Situations

 * 11. Case Studies, 1 to 5 >
    * 1. Accountants
    * 2. Consultants
    * 3. Dentists
    * 4. Entrepreneurs
    * 5. Executives

 * 12....More Cases, 6 to 10 >
    * 6. Financial Advisors
    * 7. Human Resources
    * 8. Insurance Advisors
    * 9. Lawyers
    * 10. New Grads

 * 13....More Cases, 11 to 15 >
    * 11. Physicians
    * 12. Practice Broker
    * 13. Practice Managers
    * 14. Sports Agents
    * 15. Veterinarians

 * 14. Ian's Articles

 * 1. Factoid + Goals
 * 2. Who Can Advise
 * 3. Perspectives
 * 4. Elements In Design
 * 5. Which Plan Is Best
 * 6. Nuts & Bolts
 * 7. Strategic Processing
 * 8. Ian's Articles

 * 1. Emergency Contacts >
    * 9-1-1 by Country
    * Canadian Government
    * Travel Insurers >
       * Allianz Global
       * Manulife Assistance
       * Tips Travel
       * Tour + Med
       * TuGo Assistance

 * 2. Factoids + Goals
 * 3. Who Can Advise
 * 4. Perspectives
 * 5. Elements In Design
 * 6. Travel Insurances >
    * 1. Types of Coverages
    * 2. Travel Insurance
    * 3. Fundamentals
    * 4. Medical Emergency
    * 5. Assessing Your Risk
    * 6. Application Answers
    * 7. Essential Checklist
    * 8. Travel Advisories
    * 9. Recreational Risks
    * 10. Managing Your Trip
    * 11. Ian As Advisor

 * 7. Financial Exposure >
    * 1. Financial Exposure
    * 2. Common Claims
    * 3. Provincial Samples
    * 4. USA Cost Samples
    * 5. Insurer #1 Claims
    * 6. Insurer #2 Claims

 * 8. Types of Travelers >
    * 1. Bicyclists
    * 2. Canadian Students
    * 3. Ex-Pats, Inadvertent
    * 4. Ex-Pats, Returning
    * 5. Hikers + Pedestrians
    * 6. Ocean Cruises
    * 7. River Cruises
    * 8. RV Travellers
    * 9. Seniors
    * 10. Snow Birds
    * 11. Students Travels
    * 12. Visitors To Canada

 * 9. Destinations >
    * 1. Canada >
       * 1. In Canada Issues
       * 2. Trip Purposes
       * 3. Day Trippers
       * 4. Micro-Trippers
       * 5. Staycations
       * 6. Provincial Accidents
       * 7. Financial Exposures
   
    * 2. International >
       * 1. Top 15 Countries
       * 2. Trip Purposes
       * 3. Purposes by Country
   
    * 3. USA >
       * 1. Day Trips to USA
       * 2. Top Overnight States
       * 3. Micro-Trips to USA
       * 4. Top Trip Purposes
       * 5. Top 15 States

 * 10. Travel Alerts >
    * 1. Airline + Covid Rules
    * 2. Airport Risks
    * 3. Alcohol >
       * 1. Pre-trip Awareness
       * 2. Vacationing Profiles
       * 3. Legal Benchmarks
       * 4. In-Flight Effects
       * 5. Healthy Hearts
       * 6. Sunshine
       * 7. Regional Laws
   
    * 4. Application Errors
    * 5. Cannabis Heads-Up
    * 6. Driving Awareness >
       * 1. Driving Awareness
       * 2. Canada & USA Travel
       * 3. Driving Trip Risks >
          * 1. Comparative Risks
          * 2. Distracted Driving
          * 3. Driver Fatigue
          * 4. Truck Traffic
          * 5. Variable Factors
      
       * 4. Timing of Accidents
   
    * 7. Driving on Left Side >
       * 1. Left vs. Right Side
       * 2. Listing By Country
       * 3. Left Hand Tips
   
    * 8. Hotel Scams
    * 9. Inadvertent Victims

 * 11....More Alerts >
    * 10. Local Laws
    * 11. Medication Alert
    * 12. Minors & Travelling
    * 13. Nature + People
    * 14. Photo-Taking Risks >
       * 1. Risky Locations
       * 2. Animal Awareness
       * 3. Risky Backgrounds
       * 4. Selfies
   
    * 15. Pre-Trip Health
    * 16. Recreational Risk

 * 12.....More Alerts >
    * 17. RV Travellers >
       * 1. RV'ing
       * 2. Safety Tips
       * 3. Accident Times
   
    * 18. Substances & Words
    * 19. Things Go Wrong
    * 20. Travel Advisories
    * 21. Ugly Outcomes >
       * 1. Application Answers
       * 2. Innocent Oversight
       * 3. Undeclared Health
       * 4. Retirees Forgot
   
    * 22. Unexpected Events

 * 13. Frequent Questions >
    * 1. Airline Carry-Ons?
    * 2. Application Details
    * 3. Best Travel Plan?
    * 4. Cannabis?
    * 5. Credit Card Plans?

 * 14.....More Questions >
    * 6. Marijuana?
    * 7. Medical Emergency?
    * 8. Medications?
    * 9. Packing Tips?

 * 15......More Questions >
    * 10. Pre-Existing Health?
    * 11. Spinal Cord Travel?
    * 12. Travel Advisories?
    * 13. USA Visit Limits?

 * 16. Ian's Travel Articles

 * 1. Factoid + Goals
 * 2. Who Can Advise
 * 3. Elements In Design
 * 4. Challenging Risks
 * 5. Medically Insurable
 * 5. Critical Medical
 * 6. Disability
 * 7. Life
 * 8 Travel



The INCOME PROTECTORS




The INCOME PROTECTORS






 * HOME
    * 1. Why This Website?
    * 2. Accessing Pages
    * 3. Why Log-In Pages
    * 4. WEBSITE MISSION
    * 5. WEBSITE PROFILE
    * 6. Statistic Patterns
    * 7. Website Sources

 * NEWS
    * 1. Commentaries >
       * 1. Sharks and Risk
       * 2. Travel Claim Denied
   
    * 2. Insurance News >
       * Beneva Re-Branding
       * Great-West Re-brand
       * Ivari Re-Sold
       * Manulife Disability
   
    * 3. Risk Insuring Issues >
       * 1. Distracted Driving
       * 2. Electric Car Fires
   
    * 4. Travel Matters >
       * 1. Travel Certification
       * 2. Disclosure Issues
       * 3. Returning To Canada
   
    * 5. Scrivener Bibliography

 * BANKING
 * CONDOS
    * 1. Condo Living
    * 2. Executive Summary
    * 3. Factoids For Condos
    * 4. Condo Articles, Ian's
    * 5. Condo Award
    * 6. Condos As Business
    * 7. Council Humour
    * 8. Condo Insurance
    * 9. Condo Management
    * 10. Condo Risks >
       * Compliance
       * Conflicting Ideas
       * Covid-19 Bubble
       * Electric Cars
       * Meetings
       * Mega-Quakes
       * Smoke Alarms
   
    * 11. Scope of Advice
    * 12. Ian's Condo Articles

 * ESTATES
    * 1. Estate Services
    * 2. Certification
    * 3. Advance Care Plan'g
    * 4. Annuities
    * 5. Estate Efficiency
    * 6. Executors
    * 7. Power of Attorney
    * 8. Tax Efficient Plans >
       * RRIF's
       * RRSP's
       * Segregated Funds
       * TFSA's
   
    * 9. Wills
    * 10. Ian's Fraud Articles

 * PRE-CLAIMS
    * 1. Pre-Claims Are?
    * 2. Practice Profile >
       * 1. Mission
       * 2. Who Can Advise
       * 3. Client Profile
       * 4. Processes
       * 5. Service Levels >
          * 1. Opening Files
          * 2. Assessing
          * 3. Researching
          * 4. Recommending
          * 5. Applying
          * 6. Underwriting
          * 7. Placing
          * 8. Servicing
          * 9. Audit: Evolving
          * 10. Audit: Evaluating
          * Claim: The Next Stage
      
       * 6. Service Rights
       * 7. Meetings
       * 8. Confidentiality
       * 9. Informing Clients
       * 10. Informing Advisors
       * 11. Compensation
   
    * 3. Risk Awareness >
       * 1. Safety Tips & Topics >
          * 1. Canadian Source
          * 2. USA Source
      
       * 2. Know Your Hospital >
          * 1. Know Your Hospital
          * 2. Acute Causes
          * 3. Trauma Levels
          * 4. Getting To Hospital
          * 5. Injury Scale
          * 6. Canadian Centres
          * 7. USA Centers
      
       * 3. Health Risks >
          * 1. More Than Numbers
          * 2. Comparing Risks
          * 3. Health Disruptors >
             * 1. Top Hospitalizations
             * 2. Death Causes
             * 3. Bad to Good News
             * 4. Disability Causes
             * 5. Critical Medical
         
          * 4. Newest Disruptors
      
       * 4. Accident Risks >
          * 1. Accident Profiles
          * 2. Patterns in Statistics
          * 3. Airport Risks
          * 4. Animal Encounters
          * 5. Assaults
          * 6. Bike Riding
          * 7. Brain Injuries >
             * Winter Sports
         
          * 8. By Travel Type
          * 9. Falls And Accidents
      
       * 5.....More Accidents >
          * 10. Household Risks
          * 11. Pedestrians
          * 12. Photo Taking Risks
          * 13. Sharks vs. Lightning
          * 14. Sports >
             * 1. Summer Sports
             * 2. Winter Sports
         
          * 15. Wildlife Collisions
      
       * 6. Driving Risks >
          * 1. Driving Profiles
          * 2. Purposes in Canada
          * 3. Accident Outcomes >
             * 1. Province-Territory
             * 2. Urban vs. Rural
             * 3. Age Outcomes
             * 4. User Type Outcomes
             * 5. Police Chief Report
         
          * 4. Risk Factors >
             * 1. Distracted Driving >
                * 1. Distraction Types
                * 2. Distraction Facts
                * 3. Distraction Fines
            
             * 2. Driver Fatigue
             * 3. Large Trucks
             * 4. Time Patterns >
                * 1. Days of The Week
                * 2. Deadliest Days USA
                * 3. Months of Year
            
             * 5. Other Variables
         
          * 5. Left-Hand Traffic >
             * 1. Left-Hand Countries
             * 2. Left-Hand Tips
         
          * 6. Data Sources
      
       * 7. Travelling Risks >
          * 1 Why It Goes Wrong
          * 2. Alcohol >
             * 1. Vacation Profiles
             * 2. Pre-Trip Alert
             * 3. Legal Limits
             * 4. Flying
             * 5. Heart Syndrome
             * 6. Sun & Alcohol
         
          * 3. Alcohol by Region
          * 4. Application Errors
          * 5. Innocent Victims
      
       * 8. ...Travel Risks >
          * 6. Local Laws >
             * 1. Posted Notices
             * 2. Weird Laws
         
          * 7. Nature + People
          * 8. Photo-taking Risks >
             * 1. Animal Awareness
             * 2. Selfies
             * 3. Risky Photo Shots
         
          * 9. Recent Health
      
       * 9. ....Travel Risks >
          * 10. Recreational Risk
          * 11. Substance Use
          * 12. Ugly Outcomes >
             * 1. Non-Declared Health
             * 2. Retired Couple
             * 3. Ugly Oversights
   
    * 4. Frequent Questions >
       * 1. Analytics & You?
       * 2. Best Plans?
       * 3. Can My Spouse Work?
       * 4. Changing To Ian?
       * 5. Core Questions?
       * 6. Group or Personal?
       * 7. In a Hurry?
   
    * 5.....More Questions >
       * 8. Is Advice Free?
       * 9. Pending Medicals?
       * 10. Previous Decline?
       * 11. Self-prescribing?
       * 12. Underwriting Is?
       * 13. Who Is Represented?
       * 14. Why The Questions?
   
    * 6. Executor Services
    * 7. Client Feedback >
       * 1. Pre-Claims
       * 2. Claimant Remarks

 * CRITICAL MEDICAL
    * 1. Factoid + Goals
    * 2. Who Can Advise
    * 3. Critical Medical IS
    * 4. Perspectives
    * 5. Elements In Design
    * 6. Adult's Conditions
    * 7. Youth's Conditions
    * 8. Dr. Marius Barnard
    * 9. Ian's Articles

 * DISABILITY
    * 1. Factoid + Goals
    * 2. Who Can Advise
    * 3. Perspectives
    * 4. Elements In Design
    * 5. Risk of Disability >
       * 1. Risks of Disability
       * 2. Triggered Impacts
       * 3. 3rd Party Profiles
       * 4. Media Profiles
       * 5. Claim Profiles
       * 6. Perceived Hazards >
          * Perceived Hazards
          * 1. Accountants
          * 2. Dentists
          * 3. Lawyers
          * 4. Physicians
          * 5. Veterinarians
   
    * 6. Design Process >
       * 1. Design Process
       * 2. Plan Types
       * 3. Fundamentals >
          * Fundamentals
          * 1. Management Model
          * 2. Control Decisions
          * 3. Policy Concepts
      
       * 4. Canadian Plans >
          * 1. CPP Federal Plan
          * 1. Provincial Plans
          * 3. Personal Plans
      
       * 5. USA Disability Plans
   
    * 7. Commentary >
       * 1. Cost-Effectiveness
       * 2. Disability Insurers
       * 3. Documentation
       * 4. Free Advice
       * 5. Inflation Protection
       * 6. Maximum Incomes
       * 7. Monitoring Insurers
       * 8. Occupational Period
   
    * 8. More Commentary >
       * 9. Options and Riders
       * 10. Perfect Solutions
       * 11. Policy Control
       * 12. Policy Language
       * 13. Pre-set Variables
       * 14. Risk Vulnerability
       * 15. Static Planning
   
    * 9. Underwriting Issues >
       * 1. Underwriting Issues
       * 2. Declined Application
       * 3. Modified Application
       * 4. Uninsurable Risks
       * 5. Special Risks
       * 6. Strategic Solutions
   
    * 10. Solving Problems >
       * 1. Business Expenses
       * 2. Debt Payment
       * 3. Key Employees
       * 4. Mortgages
       * 5. Opportunity Costs
       * 6. Partnerships
       * 7. Personal Income
       * 8. Special Situations
   
    * 11. Case Studies, 1 to 5 >
       * 1. Accountants
       * 2. Consultants
       * 3. Dentists
       * 4. Entrepreneurs
       * 5. Executives
   
    * 12....More Cases, 6 to 10 >
       * 6. Financial Advisors
       * 7. Human Resources
       * 8. Insurance Advisors
       * 9. Lawyers
       * 10. New Grads
   
    * 13....More Cases, 11 to 15 >
       * 11. Physicians
       * 12. Practice Broker
       * 13. Practice Managers
       * 14. Sports Agents
       * 15. Veterinarians
   
    * 14. Ian's Articles

 * LIFE
    * 1. Factoid + Goals
    * 2. Who Can Advise
    * 3. Perspectives
    * 4. Elements In Design
    * 5. Which Plan Is Best
    * 6. Nuts & Bolts
    * 7. Strategic Processing
    * 8. Ian's Articles

 * TRAVEL
    * 1. Emergency Contacts >
       * 9-1-1 by Country
       * Canadian Government
       * Travel Insurers >
          * Allianz Global
          * Manulife Assistance
          * Tips Travel
          * Tour + Med
          * TuGo Assistance
   
    * 2. Factoids + Goals
    * 3. Who Can Advise
    * 4. Perspectives
    * 5. Elements In Design
    * 6. Travel Insurances >
       * 1. Types of Coverages
       * 2. Travel Insurance
       * 3. Fundamentals
       * 4. Medical Emergency
       * 5. Assessing Your Risk
       * 6. Application Answers
       * 7. Essential Checklist
       * 8. Travel Advisories
       * 9. Recreational Risks
       * 10. Managing Your Trip
       * 11. Ian As Advisor
   
    * 7. Financial Exposure >
       * 1. Financial Exposure
       * 2. Common Claims
       * 3. Provincial Samples
       * 4. USA Cost Samples
       * 5. Insurer #1 Claims
       * 6. Insurer #2 Claims
   
    * 8. Types of Travelers >
       * 1. Bicyclists
       * 2. Canadian Students
       * 3. Ex-Pats, Inadvertent
       * 4. Ex-Pats, Returning
       * 5. Hikers + Pedestrians
       * 6. Ocean Cruises
       * 7. River Cruises
       * 8. RV Travellers
       * 9. Seniors
       * 10. Snow Birds
       * 11. Students Travels
       * 12. Visitors To Canada
   
    * 9. Destinations >
       * 1. Canada >
          * 1. In Canada Issues
          * 2. Trip Purposes
          * 3. Day Trippers
          * 4. Micro-Trippers
          * 5. Staycations
          * 6. Provincial Accidents
          * 7. Financial Exposures
      
       * 2. International >
          * 1. Top 15 Countries
          * 2. Trip Purposes
          * 3. Purposes by Country
      
       * 3. USA >
          * 1. Day Trips to USA
          * 2. Top Overnight States
          * 3. Micro-Trips to USA
          * 4. Top Trip Purposes
          * 5. Top 15 States
   
    * 10. Travel Alerts >
       * 1. Airline + Covid Rules
       * 2. Airport Risks
       * 3. Alcohol >
          * 1. Pre-trip Awareness
          * 2. Vacationing Profiles
          * 3. Legal Benchmarks
          * 4. In-Flight Effects
          * 5. Healthy Hearts
          * 6. Sunshine
          * 7. Regional Laws
      
       * 4. Application Errors
       * 5. Cannabis Heads-Up
       * 6. Driving Awareness >
          * 1. Driving Awareness
          * 2. Canada & USA Travel
          * 3. Driving Trip Risks >
             * 1. Comparative Risks
             * 2. Distracted Driving
             * 3. Driver Fatigue
             * 4. Truck Traffic
             * 5. Variable Factors
         
          * 4. Timing of Accidents
      
       * 7. Driving on Left Side >
          * 1. Left vs. Right Side
          * 2. Listing By Country
          * 3. Left Hand Tips
      
       * 8. Hotel Scams
       * 9. Inadvertent Victims
   
    * 11....More Alerts >
       * 10. Local Laws
       * 11. Medication Alert
       * 12. Minors & Travelling
       * 13. Nature + People
       * 14. Photo-Taking Risks >
          * 1. Risky Locations
          * 2. Animal Awareness
          * 3. Risky Backgrounds
          * 4. Selfies
      
       * 15. Pre-Trip Health
       * 16. Recreational Risk
   
    * 12.....More Alerts >
       * 17. RV Travellers >
          * 1. RV'ing
          * 2. Safety Tips
          * 3. Accident Times
      
       * 18. Substances & Words
       * 19. Things Go Wrong
       * 20. Travel Advisories
       * 21. Ugly Outcomes >
          * 1. Application Answers
          * 2. Innocent Oversight
          * 3. Undeclared Health
          * 4. Retirees Forgot
      
       * 22. Unexpected Events
   
    * 13. Frequent Questions >
       * 1. Airline Carry-Ons?
       * 2. Application Details
       * 3. Best Travel Plan?
       * 4. Cannabis?
       * 5. Credit Card Plans?
   
    * 14.....More Questions >
       * 6. Marijuana?
       * 7. Medical Emergency?
       * 8. Medications?
       * 9. Packing Tips?
   
    * 15......More Questions >
       * 10. Pre-Existing Health?
       * 11. Spinal Cord Travel?
       * 12. Travel Advisories?
       * 13. USA Visit Limits?
   
    * 16. Ian's Travel Articles

 * HARD TO INSURE
    * 1. Factoid + Goals
    * 2. Who Can Advise
    * 3. Elements In Design
    * 4. Challenging Risks
    * 5. Medically Insurable
    * 5. Critical Medical
    * 6. Disability
    * 7. Life
    * 8 Travel

 * CLAIMS
    * 1. Who Can Advise
    * 2. CLAIMS PRACTICE >
       * 1. CLAIMS PRACTICE
       * 2. Mission
       * 3. Client Profiles
       * 4. Service Rights
       * 5. Meeting Clients
       * 6. Confidentiality
       * 7. Keeping Informed
       * 8. Informing Advisors
       * 9. Compensation
   
    * 3. Support Networks
    * 4. Bumps in The Road >
       * 1. Bumps in The Road
       * 2. Application Errors
       * 3. Disability Variables
       * 4. Evaluations
       * 5. Processing
       * 6. Potpourri Bumps
   
    * 5. PROCESSING SERVICES
    * 6. An Expert Is?
    * 7. Claims Feedback >
       * 1. Claims Award
       * 2. Letters
       * 3. Claimant Remarks
   
    * 8. CASE STUDIES, 1 to 5 >
       * 1. Application Errors
       * 2. Changing Language
       * 3. Clarifying A Claim
       * 4. Coordinating Forms
       * 5. Critical Illnesses
   
    * 9....More Cases, 6 to 10 >
       * 6. Deemed Occupation
       * 7. Exploiting Claims
       * 8. Group Policy Access
       * 9. Media Confusion
       * 10. Media Views
   
    * 10.....More Cases, 11 to 15 >
       * 11. Medical History
       * 12. Medical Reports
       * 13. Pre-Existing Profile
       * 14. Repatriation
       * 15. Resurrected Claim
   
    * 11.....More Cases, 16 to 20 >
       * 16. Scope of Coverage
       * 17. Self-Diagnosing
       * 18. Self-Managing
       * 19. Strategic Options
       * 20. Travel Rescission

 * MEET IAN
    * 1. EXECUTIVE SUMMARY
    * 2. TIME LINE
    * 3. Ian's Updates >
       * Certified Executor
       * Claims Award
       * Condo Award
       * Condo Management
       * Publications
       * Travel Certification
       * Other Projects
   
    * 4. Articles By Ian >
       * Condo Articles
       * Fraud Articles
       * Insurance Articles
       * Travel Articles
   
    * 5. Articles + Speeches
    * 6. INTERESTS



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