The contrasting manifestations viz liberal, conservative, expansionist,anticolonial, cultural, etc have variegated connotations ranging from progressive and liberating to irrational, reactionary, authoritarian and oppressive. The only factor of coherence amongst divergent 'nationalisms' is the centrality of the psycho-political construct nation.
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Notwithstanding the political and cultural aspects of nationalism the ideals of those who espouse it play a defining role. History bears evidence that conflicting ideologies have triumphantly utilized nationalism to garner support and consent. Civic, religious, racist, xenophobic, inclusive,militaristic, insular, or any other - the potency of nationalism remains persistent. Note that ivari Universal does not allow multi-life insurance coverage, while the two former products accepted up to 15 lives. Several other insurers also cut multi-life coverage, including Equitable Life Insurance , iA Financial Group and SSQ Financial Group , when they modified their existing universal life insurance products.
Manulife kept multi-life protection on its Innovision and Security UL products, which can cover up to 20 lives.
The insurer had never offered it on Manulife UL. BMO Insurance changed two of its three universal life insurance products, LifeProvider and Life Dimensions , and kept multi-life coverage for up to six insured in both cases. However, it curtailed the product Life Dimensions Prestige. BMO Insurance has yet to announce whether the replacement product, Wealth Dimensions , will be multi-life. Interviewed by The Insurance and Investment Journal about the end of Pace , Nathalie Tremblay , health products manager at Desjardins, explained that the universal life platform could not remain intact under the current tax rules, similar to all universal life offered in Canada since Jan.
She points out that multi-life protection is another casualty of the new tax rules. Tremblay adds that even if multi-life coverage may cover the partners in a company, it was common to see a couple insured under this option. Often, one of the spouses had most of the accumulated funds, and generated the largest tax room. The wave of products is coupled with price hikes.
SSQ is not alone. Insurers generally believe that all permanent products will be affected. Level cost and permanent UL insurance with accelerated payments will see steeper price hikes. We are now catching back up with Industry rate increases in these products.
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A problem rarely arises in isolation: the tax increase on premiums in some provinces forced SSQ to increase the minimum premiums required to cover the cost of universal life insurance riders slightly. Sign in. PRO subscription. If you want NextDay, we can save the other items for later.
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