Canada, 12th October: Are you thinking of buying your life insurance but don’t know which is the best insurance for you? Here are some handy tips to help you select the best life insurance—

 • Research–- You must invest your time by conducting a thorough research in the market to know different rates charged by various companies providing life insurance. You can ask for quotes from a couple of different companies. Do not commit the mistake of buying any life insurance policy just because it looks cheap. Rather, you must look for the services being provided to you.

• Purchase according to your needs—While selecting any particular life insurance policy, always keep your particular individual needs in mind and do not just buy any insurance policy just because others around you are buying it. See if you are getting life insurance coverage from your office or workplace or from CPP (Canada Pension Plan). If the answer is yes, then you don’t need to get any additional life insurance.

• Select the right insurance—It is advisable to make a comparison of choices of life insurance available before you. Select that meets your requirements.

• Choose a good or reputed insurance company—You must select a life insurance company having good reputation in the market. Check the past track record of the company. Ensure that the life insurance company has a live membership of Assuris. The reason is that you will be protected by Assuris in case the life insurance company selected by you fails or goes bankrupt. And also know to find the amount of the policy coverage.

• Keep eye on scams–Don’t fall prey to any salesman offering an attractive life insurance policy for replacing an insurance with something else. Such an offer is likely going to be fake, so go for a licensed insurance broker.

• Consider your other insurance requirements—You need to know that you also need some other kinds of insurance policies too apart from your life insurance. So, you must save your money for buying disability insurance and such other insurance which are equally important for you.

So, with these things in mind, you can move forward to select the best life insurance policy for you.

Canada, 6th October: A latest poll by Allstate Canada has revealed that almost 75 percent of Canadians do get distracted driving even though it’s viewed negatively by them.

The survey respondents agreed that distractions including stereos, cellphones or passengers during driving are bad, but they agreed they do it anyways.

The survey undertaken by Leger Marketing found a difference in the way the drivers viewed distractions. Around 88 percent viewed texting on a mobile as something negative while around 19 percent said it was wrong to adjust an ipod or a radio while driving.

And 60 percent of Canadians admitted of operating the sound system of their moving vehicle while eight percent said they might be emailing or texting while driving.

The survey found that out of every 10 accidents, almost eight are due to distracted driving and almost 25 percent of Canadians agree of been involved or having seen someone involved in an accident due to distracted driving.

Eighty three percent of 1,600 survey respondents admitted that it was not right to talk on cellphone while driving but nearly 15 cent stated doing the same.

The survey defines cognitive, visual or manual distractions during the driving including changing a CD, texting on your cellphone, applying makeup, talking with co-passengers or using a GPS. Taking eyes away from the road for a period of five seconds while driving at a speed of 90 km an hour is like driving blind along the length of any football field.

According to Saskia Matheson, Allstate Insurance Company, Canada, the research reveals that Canadians are not fully aware of distractions while driving and hence, continue to be involved in such dangerous behaviors.

Canada Safety Council’s Raynald Marchand said that most of the accidents are due to the thinking of the drivers that they can multitask. Majority of drivers think they are good drivers, but, the truth is that they are just average drivers and they are only over-estimating their capacity to do several things at the same time.

The online survey was undertaken between July 26 and July 28 and is representative of the population within (plus or minus) 2.4 percentage points.