Jan 7, 2016 | News
Listening to music makes the everyday task of driving from A to B, a little bit less boring. Whether your music tastes lie with ACDC or Mozart, we all love to bop along to our favourite tunes whilst in the car. But just how does the music you listen to affect your performance at the wheel?
Here is an infographic that explains how influential your music preferences are in relation to your driving. Its all covered, from song type to tempo and even volume! Take a look and see will you change the tune of your next road trip!
Jan 4, 2016 | News
The exercise equipment gathering dust in Canadian’s bedrooms and basements is a familiar sign of the way New Year’s resolutions often are quickly abandoned. But a few resolutions you’ll not only want to make but also stick with involve being more prudent about insurance.
That means spending wisely and getting the coverage that matters most. It’s a good idea to start each year by taking stock of your coverage because auto, home, life and other insurance needs change over time — as you move, switch jobs, add to your family, change vehicles and grow older.
When you have to use your insurance, the last thing you want is to learn that you don’t have enough coverage. But you also want to make sure you aren’t carrying more insurance than you really need.
Here are some New Year’s resolutions to help you fine-tune your insurance policies.
Auto Insurance
Because auto insurance premiums may be tied to how often you drive and to your vehicle model, make certain you’ve alerted your insurer to any changes in driving habits.
Consumers should make sure their policy accurately reflects how their vehicles are used. Back when gas prices were low, we wanted to take the big luxury car to work. Now, with gas prices, you’re driving the compact, and that can make a difference.
Another great resolution is to drive carefully. The most important thing that determines what you pay for auto insurance is your driving record. Observe the law.
Home Insurance
The start of a new year is a great time to update the inventory of your possessions. You’ll need an accurate list if you ever have to make a home insurance claim.
You probably have received (holiday) presents, and there are new things in the house. Some of them could be worth a lot: your TV, your stereo, your computers, your clothes.
If you don’t want to take time to write things down, a very common way is to make a video recording of your home. If there is a theft, you can go back and say ‘I had this stuff.’
Consider a special rider to cover expensive items that may exceed the limits of your home policy. If you have a big flat-screen TV, you may want to schedule that separately. The cost for a rider is usually pretty inexspensive. You can make sure your TV is covered for everything, including your 6-year-old kid hitting a ball through it.
Finally, make sure your home insurance coverage remains high enough if you ever have to repair or rebuild at today’s construction prices.
Life Insurance
As you launch into a new year, look for ways to cut life insurance costs. Have you become healthier? Did you stop smoking? Did you lose a significant amount of weight? Are you off medications? You may now qualify for preferred rates.
If you’re the family breadwinner, it’s a good idea to make sure a nonworking spouse or domestic partner also has adequate coverage. The main reason for life insurance is to replace lost income, but a homemaker’s work has value, too. Think about what your partner does in any given month to keep your family functioning. You would have to replace that expense.
Source: Bankrate
Jan 1, 2016 | News
From all of us at ILScorp, we wish you a happy, healthy and prosperous 2016!
Thank you for your amazing support over the past year, and we look forward to working with you in 2016.
The ILScorp offices are closed today and will re-open on Monday, January 4th at 8 a.m. PST.
Happy New Year!
Dec 25, 2015 | News
Happy Holidays from everyone at ILScorp.
We hope your holidays will be filled with joy and laughter through the New Year!
ILScorp offices are now closed and will re-open Monday January 4, 2016.
Wishing you great success in the year to come.
Dec 21, 2015 | News
Le dernier délai pour les besoins des UFC de la ChAD est le jeudi 31 décembre, 2015. Alors que nous nous approchons rapidement de cette date limite imposée par la ChAD, un grand nombre de nos abonnés à la ChAD ILScorp se demandent pourquoi leurs UFC complétées de la ChAD ne sont pas affichées dans leur dossier UFC sur le site internet de la Chambre de l’assurance de dommages.
Vos UFC complétées ne seront pas affichées immédiatement sur le site internet de la ChAD parce qu’elles sont mises à jour mensuellement. L’ILScorp envoie un rapport à la Chambre de l’assurance de dommages au début de chaque mois pour toutes les UFC terminées le mois précédent. Par exemple, le 1er décembre, l’ILScorp a soumis un rapport pour toutes les UFC achevées durant le mois de novembre. Pour l’échéance du 31 décembre 2015, l’ILScorp soumettra un rapport à la ChAD au début du mois de janvier 2016 pour toutes les UFC achevées durant le mois de décembre.
Ce qui est important est que vos cours pour les besoins d’UFC soient terminés pas plus tard que le 31 décembre 2015. Les UFC pour les cours complétés le 31 décembre ou avant seront signalées à la ChAD dans le délai accordé aux prestataires de cours afin que ces derniers puissent respecter le délai d’administration. Ces UFC apparaîtront en ligne une fois que la Chambre de l’assurance de dommages aura révisé les rapports et mis à jour votre dossier d’UFC.
Votre licence ne sera pas révoquée immédiatement si vos UFC ne sont pas représentées sur le site ChAD à la date du 1er janvier 2016. Avant que toute démarche ne soit entreprise, la ChAD vous contactera s’il y a lieu de croire qu’il y a un problème. Si vous avez terminé vos cours le 31 décembre ou avant, nos dossiers électroniques peuvent être utilisés pour vérifier toute question posée par la ChAD.
Cours en ligne accrédités – ChAD UFC
Dec 17, 2015 | News
Deadline for ChAD PDU requirements is Thursday December 31, 2015. As we quickly approach the ChAD deadline, many of our ILScorp ChAD subscribers are wondering why their completed ChAD PDUs are not showing in their PDU File on the Chambre de l’assurance dommages website.
Your completed PDUs will not show immediately on the ChAD website as they are updated on a monthly basis. ILScorp sends a report to the Chambre de l’assurnace dommages at beginning of each month, for all PDUs completed in the previous month. For example on December 1, ILScorp submitted a report for all PDU’s completed in the month of November. ILScorp will be submitting a report to ChAD in the beginning of January 2016 for all PDUs completed in the month of December, for the December 31, 2015 deadline.
The important matter here is that your courses for PDU requirements are completed with a date of no later than December 31, 2015. The PDUs for courses completed prior to or on December 31 will be reported to ChAD within the time period given to course providers to meet the administration deadline. These PDUs will appear online once the Chambre de l’assurance dommages reviews the reports and updates your PDU record.
Your license will not be immediately revoked if your PDUs are not reflected on the ChAD website by January 1st, 2016. ChAD will contact you if they believe there is a problem prior to any action being taken. If you have completed your courses by 31 December our electronic records can be used to verify any questions from ChAD.
GET ChAD PDUs HERE
From the ChAD website:
Within 30 days following the end of a reference period, (reference period December 31, 2015) the Chamber must send a notice of default to each representative who has not accumulated the number of PDUs required.
A representative who is in default must complete the number of PDUs he/she has failed to accumulate by MARCH 31, 2016.
After MARCH 31, 2016 the Chamber sends the Autorité des marchés financiers a list of the representatives who have not accumulated the required number of PDUs.
For more information on regulations respecting the compulsory professional development of the Chambre de l’assurance de dommages – An Act respecting the distribution of financial products and services
visit: http://www2.publicationsduquebec.gouv.qc.ca/dynamicSearch/telecharge.php?type=3&file=/D_9_2/D9_2R12_1_A.HTM
The Chambre de l’assurance dommages will be closed Wednesday December 23rd open on January 4, 2016.
- Un représentant qui, au 31 mars suivant la fin d’une période de référence, est en défaut de se conformer aux obligations de formation continue prévues par le présent règlement, ne peut affecter à la période pour laquelle il est en défaut des UFC accumulées après le 31 mars de la période de référence subséquente, à moins que l’Autorité des marchés financiers ait rendu une décision de suspension en vertu du deuxième alinéa de l’article 218 de la Loi sur la distribution de produits et services financiers (chapitre D-9.2) et que telle décision ait été exécutée en entier.
Avis de la Chambre
- Dans les 30 jours suivant la fin de la période de référence, la Chambre transmet un avis de défaut à chaque représentant n’ayant pas accumulé le nombre d’UFC requis à l’article 3 et l’avise des conséquences prévues par l’article 14, par le deuxième alinéa de l’article 218 de la Loi sur la distribution de produits et services financiers (chapitre D-9.2) et par les articles 57 et 63 du Règlement relatif à la délivrance et au renouvellement du certificat du représentant (chapitre D-9.2, r. 7)
- Le représentant en défaut doit accumuler, au plus tard le 31 mars suivant la fin de la période de référence, le nombre d’UFC qu’il est en défaut d’avoir accumulé dans une ou plusieurs des catégories visées à l’article 4.
- La Chambre transmet à l’Autorité des marchés financiers, à la fin de la période visée à l’article 16, la liste des représentants n’ayant pas accumulé le nombre d’UFC requis.
