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In addition to critical illness quotes, the comparison tool also provides policy highlights and a list of covered conditions for each company s product. The service allows consumers to make an informed insurance purchase for one of the fastest growing insurance products in Canada - all in a fraction of the time it would take to call numerous insurance providers by phone. credit pacific service union

People know that the costs of recovery from a serious illness can have a dramatic impact on their family s financial security and lifestyle. said Rick Lancaster, Senior Vice President, CIBC Insurance. Critical illness insurance is designed to ensure they have the financial resources they need to focus on getting better without the worry of depleting their savings or getting into debt. credit first service union

Insurance is something that customers are already coming to our website for everyday, said Lancaster. By providing online access to our innovative critical illness insurance quote comparison tool, we make it easier for Canadians to make an informed decision about this increasingly requested insurance product. card credit mobile service

A life insurance quote comparison tool, also powered by kanetix, was launched with the critical illness shopping service. CIBC customers are now able to compare whole life, 10 and 20-year term life insurance quotes through the insurance channel on the CIBC website. card credit discover service

About Critical Illness Insurance Critical illness insurance provides a lump sum benefit to policyholders who contract a critical illness and survive. Critical illnesses can include cancer, heart attack and strokes. Different from life insurance, critical illness coverage provides benefits to the living policyholder. The lump sum payment can be used for anything and can include funding alternative treatments, converting the home for easier care, or replacing lost income. credit public service union

About CIBC CIBC is a leading North American financial institution with almost nine million personal banking and business customers. CIBC offers a full range of products and services through its comprehensive electronic banking network, branches and offices across Canada, the United States and around the world. CIBC Insurance provides a wide range of creditor insurance on mortgages, personal loans, lines of credit, credit cards and small business and farm loans. Supplemental insurance is also available including travel insurance, accidental death, hospital accident insurance and Utility Bill Protector. You can find other news releases and information about CIBC in our Media Centre on the Internet at www.cibc.com. card credit processing service

About kanetix Launched in October 1999, kanetix ( www.kanetix.ca) is Canada s only national, online insurance marketplace. The kanetix insurance information and shopping service brings consumers and insurance companies together in a one-stop shopping environment. Each day, thousands of consumers visit the kanetix website to compare auto, motorcycle, life, critical illness, property and travel insurance quotes from a variety of Canadian insurance companies. Users can select the insurance policy of their choice and complete the application for coverage online. center credit service union

In addition to the insurance marketplace, kanetix is the leading provider of online insurance quotation technology and develops online quotation systems and websites for some of Canada s leading insurance providers. card credit service wireless

Press release: Kanetix introduces first online insurance marketplace to Albertans. Auto insurance quotes now only a click away kanetix.com Introduces First Online Insurance Marketplace to Albertans

Press release: Kanetix introduces first online insurance marketplace to Albertans. Auto insurance quotes now only a click away credit security service union

Calgary, AB, March 15, 2000 - kanetix, an online provider of automobile insurance information and quotations, today released the first automobile insurance marketplace available to Albertans on the Web. We received a really positive response during our beta site test last week at the Calgary International Auto and Truck Show, said Gregory Ellis, Co-founder, kanetix. Our Alberta automobile quoting service is now up and running, making kanetix the only Web site providing multiple automobile insurance quotes, with the option to purchase, 24 hours a day, 7 days a week. The new online, quote calculating service generates up to six insurance quotes from different providers, in the time it usually takes to receive only one by traditional means. kanetix s Quotemaker walks visitors through five easy steps, asking for only basic driver and vehicle information and then instantly provides insurance quotes in a time-saving, one-stop-shopping environment. You may find a rate that is lower than you ve ever seen, or you may just be reassured that you are getting a great rate with your current provider, said Ellis. Either way, kanetix helps make your insurance decisions easier. About kanetix Press release: Kanetix gets a life...insurance quoter! kanetix.com gets a life...insurance quoter!

Press release: Kanetix gets a life...insurance quoter! credit report service

Toronto, ON, April 4, 2000 - Canadians can now get online quotes for a 10-year term life insurance policy from 12 of Canada s top insurance providers at one website in less than five minutes. Today kanetix, Canada s only online insurance marketplace, announced the addition of a life insurance quote-comparison service to its website. In one simple step consumers can now obtain life insurance quotes from some of Canada s top insurers, said Gregory Ellis, Co-founder, kanetix. At kanetix, you can learn about life insurance, compare a range of quotes and make an informed choice, all in one place and without any sales pressure. One of the companies on the site offers consumers the ability to apply for life insurance online and provides an immediate assessment on their eligibility for coverage. Term 10 life insurance is one of the most popular insurance products in Canada and best lends itself to Internet quoting because of its simplicity, said Ellis. There are only a few questions needed to generate a quote. Term life insurance policies amount to 60 per cent of the life insurance policies sold in Canada as measured by face value, and approximately 75 per cent are 10-year term policies. According to Ellis, term life insurance is frequently purchased at a significant moment in peoples lives. Term life is the most popular type of life policy in Canada because it is easy to understand and is very affordable, said Ellis. And now at kanetix consumers can access a wealth of insurance information, faster and simpler than in the past. About kanetix Press release: Kanetix rolls out East. Auto insurance quotes now only a click away in Nova Scotia, New Brunswick and Newfoundland. kanetix.com rolls out East

Press release: Kanetix rolls out East. Auto insurance quotes now only a click away in Nova Scotia, New Brunswick and Newfoundland. Toronto, ON, May 10, 2000 - kanetix, Canada s online insurance marketplace, today extended its Web-based automobile insurance quotation service to eastern provinces New Brunswick, Nova Scotia and Newfoundland. We are very pleased to be the first insurance marketplace to launch in these provinces, said Gregory Ellis, Co-founder, kanetix. Our service gives drivers the ability to compare different insurance quotes all in one place. We truly believe we have created a unique approach that will change how consumers shop for insurance. blogspot com christian

kanetix

s Quotemaker walks visitors through five easy steps, asking for only basic driver and vehicle information. The insurance quote calculating service generates up to six insurance quotes from different providers, in less time than it takes to receive only one by traditional means. Consumers can complete the transaction online or by telephone. christian counseling credit

You may find a rate that is lower than you ve ever seen, or you may just be reassured that you are getting a great rate with your current provider, said Ellis. Either way, kanetix helps make your insurance decisions easier. credit federal service union

Consumers can also access and compare quotes on life insurance. About kanetix Incorporated in October 1999, kanetix is Canada s first and only full-service, online insurance marketplace. Consumers can quickly access insurance information and price quotes online from a variety of Canada s leading insurance providers. kanetix s marketplace allows access to coverage information in a simple, easy-to-understand process and is accessible 24 hours a day, 7 days a week. credit monitoring service

Press release: Spend more time driving and less time paying. Yahoo! Canada Insurance Centre simplifies life ... and auto and property insurance shopping for the busy Canadian. Yahoo! Canada Insurance Centre simplifies life and auto and property insurance shopping for the busy Canadian.

Press release: Spend more time driving and less time paying. Yahoo! Canada Insurance Centre simplifies life ... and auto and property insurance shopping for the busy Canadian. Compare insurance quotes, choose the right policy and buy online today on yahoo.ca Toronto, ON, May 11, 2001 - Shopping for insurance has never been this easy. Yahoo! Canada today announced the launch of Yahoo! Canada Insurance Centre, an online resource for Canadians looking for information and rate quotes from life, auto and property insurance providers Yahoo! Canada Insurance Centre, available at http://ca.yahoo.com/, is powered by kanetix, Canada s only national online insurance information and quotation service. credit division service

Canadians can find the right policy, connect with the perfect quote and buy the best plan, all on yahoo.ca, said Michael Zahra, general manager for Yahoo! Canada. Yahoo! Canada Insurance Centre takes the guesswork out of insurance planning using simple, straightforward, free and confidential online tools, so you can get on with life s more entertaining activities. card credit online service

In addition to being able to quickly and simply compare quotes from a variety of leading providers, Yahoo! Canada s new insurance center allows members to research insurance types, calculate life insurance needs, set-up automatic renewal reminders, and even apply for and purchase a policy online. consumer counseling credit inc

Among the many features on Yahoo! Canada s Insurance Centre: card credit fleet service

• Quotes for auto, life and property insurance from a variety of leading providers card consolidation credit

• Guides on life, auto and property insurance featuring helpful background information credit free online report

• Coverage Analyzer to help determine a recommended type and level of life and auto using handy online calculators credit federal first service

• Articles providing valuable insurance-related information consumer credit service

• Glossary of insurance-related terminology center credit family service

Shopping for insurance doesn t have to be a nightmare, and for the many Canadians using kanetix s online services, it s a very simple, convenient process, said Gregory Ellis, co-founder, kanetix, We re delighted to bring our service to the millions of Canadian members on Yahoo! Canada from coast-to-coast. credit reporting service

Yahoo! Canada s new Insurance Centre resides among the many useful products and services from Yahoo! Canada Finance, one of Canada s leading online personal finance and investing resources. About kanetix Launched in October 1999, kanetix is Canada s only national online insurance marketplace. The kanetix insurance information and shopping service allows consumers to compare auto, life and property insurance quotes from a variety of Canada s leading providers. Users can select the insurance policy of their choice and complete the purchase online. cca credit division service

About Yahoo! Canada Yahoo! Canada, www.yahoo.ca, is part of the Yahoo! global network and provides comprehensive and localized media, commerce and communication services to millions of Canadians each month. Users can also seamlessly connect to any of Yahoo! s global properties Yahoo! Canada is headquartered in Toronto, Ontario. About Yahoo! Yahoo! Inc. is a global Internet communications, commerce and media company that offers a comprehensive branded network of services to more than 192 million individuals each month worldwide. As the first online navigational guide to the Web, www.yahoo.com is the leading guide in terms of traffic, advertising, household and business user reach. Yahoo! is the No. 1 Internet brand globally and reaches the largest audience worldwide. The company also provides online business and enterprise services designed to enhance the productivity and Web presence of Yahoo! s clients. These services include Corporate Yahoo!, a popular customized enterprise portal solution; audio and video streaming; store hosting and management; and Web site tools and services. The company s global Web network includes 24 World properties. Yahoo! has offices in Europe, the Asia Pacific, Latin America, Canada and the United States, and is headquartered in Santa Clara, Calif. credit free report service

-30- Yahoo!, Yahoo! Everywhere and Yahoo! logo are trademarks and/or registered trademarks of Yahoo Inc. All other names are trademarks and/or registered trademarks of their respective owners. For more information, please contact: Rob Dittmer, Associate Public Relations Manager Yahoo! Canada (416) 341-5236 rdittmer@yahoo-inc.com Josh Cobden or Christina Rodmell Environics Communications card credit customer discover

Press release: Kanetix launches a new Term Life Insurance quote service with standard and preferred rates highlighted for shoppers in an easy-to-read and compare format.

Press release: Kanetix launches a new Term Life Insurance quote service with standard and preferred rates highlighted for shoppers in an easy-to-read and compare format. Toronto, ON, November 18 2005 - kanetix ( www.kanetix.ca), Canada s insurance marketplace, announced the launch of a new Term Life Insurance quote service that empowers Canadians shopping for life insurance by simultaneously showing both the standard and preferred premiums in an easy-to-read and compare format. credit repair report service

kanetix believes in providing easy-to-use and informative online tools for consumers to shop for their insurance quotes, said Gregory Ellis, co-founder of kanetix. By showing the preferred and standard rate life insurance quotes together instantly, consumers can easily see which companies offer the best standard rates and the best preferred rates. Since they are often not the same company, consumers can, at a glance, make an informed choice about which insurer will offer them the most affordable coverage. credit legal repair service

Available on quotes for coverage of $250, 000 or more, preferred rates can save a person up to almost 30% off the standard rate. Almost half all people applying for life insurance coverage through www.kanetix.ca will enjoy some savings since experience shows that this is how many will qualify for a lower, preferred rate. cic credit monitoring service

Given that so many people qualify for preferred rates, said Ellis, we thought shoppers would find it beneficial to see both quotes online instantly. Shoppers can easily review the range in rates offered and make their choice at their convenience. ccs credit division service

Through www.kanetix.ca, the person shopping for life insurance can get their quotes without having to answer additional health questions or provide their name, phone number or email. This is a real advantage the kanetix life insurance quote service offers consumers because most people would not know how to categorize their health status anyway and it means they can shop anonymously until they are ready to take the next step. credit service union worker

Most insurance companies offer discounts. The more common discounts include the: 1st credit service union

• Multi-vehicle discount - available if you insure multiple vehicles with the same insurer card chase credit customer

• Multi-line discount - available if you insure your home and auto with the same insurer card chase credit service

• Good driver discount - if you have not had an accident or ticket in a long time citi credit monitoring service

• Safe driver discount - if you ve taken and passed an accredited driver safety course credit plus service union

• Anti-theft discount - if your vehicle has certain anti-theft devices installed credit farm service

• Safe vehicle discount - if your vehicle has certain extra safety features 1st credit federal service

• Retiree discount - if you ve reached a certain age, usually 50 or 55 credit paychex service tax

• Low mileage discount - if your vehicle is not driven often credit service tax

• Occupational discount - if you work in a certain field or hold a certain degree aeon credit service

• Auto club discount - if you are a member of an auto club, like CAA credit one service union

While the availability of discounts will vary depending on your insurer, where you live and whether you meet the eligibility requirements, asking about them could save you money. Drive safely bad cell credit phone service

OK, this last one is obvious but true. Driver s with no accidents, tickets or insurance claims almost always pay less for their auto insurance coverage. Your driving record is a key factor in determining your insurance rate. Tickets and at-fault accidents affect your insurance rates for years. With a less than perfect driving record, you can find yourself paying much higher insurance premiums over the years. counseling credit debt service

It all adds up - get started today Start saving today and shop around for auto insurance coverage by getting quotes from multiple companies. It s the best way to know you are getting the coverage you need at a price you can afford. Compare quotes online instantly today at kanetix.

Gas-saving tips list compiled from information found on the websites for Natural Resources Canada, GasBuddy.com, the U.S. Department of Energy and the U.S. Environmental Protection Agency. card credit payment service

The sobering facts about driving impaired The sobering facts about driving impaired provided in a handy Q A format for easy reference. Article As a popular spot for people comparing auto insurance quotes, kanetix often is asked about the impacts of impaired driving on a person s auto insurance premium.

We ve compiled the information we found through research in the following handy Q A format. What does impaired driving mean card credit merchant

Impaired driving is most widely known as driving while under the influence of alcohol or drugs. However, many people don t realize it also can mean driving while being sleep deprived too. If you are impaired, you can be convicted of several offences under the Criminal Code of Canada. Your vehicle does not even have to be moving; you can be charged if you are impaired behind the wheel, even if you have not started to drive. What is my Blood Alcohol Concentration (or BAC) and how do breathalyzers work counseling credit family

The term Blood Alcohol Concentration refers to the amount of alcohol in your blood. In Canada, BAC is usually expressed as the weight of alcohol in a given volume of blood. BAC can easily be measured in your breath by using a breathalyzer. When you ve consumed alcohol, alcohol molecules pass into the air in the lungs from your blood. When you blow into a breathalyzer, these alcohol molecules are expelled with the air and the concentration of alcohol in your blood can be measured. This is as accurate as a blood test. What is my maximum allowable BAC annual credit report request

The maximum legal blood alcohol concentration for fully licensed drivers is 80* milligrams in 100 millilitres of blood (.08). Any more than .08 is against the law. Restrictions for graduated or probationary licensed drivers (G1/G2 in Ontario and Class 7 in other provinces) differ. Most provinces require that new drivers maintain a zero blood alcohol level. Can I be charged with an impaired driving offence if my BAC is below the legal limit area bay credit service

You can be charged with a criminal offence for driving while impaired by alcohol or drugs, regardless of your BAC. Can I refuse to take a breathalyzer test It is an offence to refuse to take a breathalyzer test. If you refuse, you will be charged under the Criminal Code. The police will also notify the Registrar of Motor Vehicles and your licence will be suspended immediately for 90 days. What happens if I am pulled over for impaired driving or I fail a routine breathalyzer test atlanta consumer counseling

Fully licensed drivers (G or Class 5):

If your reading is less than .08 but .05 or more, or if you register warn on a roadside screening device, the police can suspend your licence for 12 hours. If there is no one else available to drive and no safe place to park your vehicle, it will be towed at your expense. You can pick up your licence at the police station after your suspension has ended and you can retrieve your car after paying the towing and storage charges. If your blood alcohol concentration is more than 80 milligrams in 100 millilitres of blood (.08), you will be charged under the Criminal Code. You licence will be suspended immediately for 90 days. Even if your blood alcohol concentration is less than .08, you can still be charged with impaired driving under the Criminal Code. Graduated or Probationary licensed drivers (G1/G2 or Class 7): account card credit merchant

New drivers must maintain a blood alcohol level of zero when driving. New drivers who breach this condition will get an immediate 30-day licence suspension and must pay a fine. They can also be charged under the Criminal Code. What happens if I am convicted of my DUI charge aspire card credit customer

You will be fined at least $600 and will be prohibited to drive for a minimum of 1 year under the Criminal Code. Your drivers licence will also be suspended for a minimum of 1 year. In addition, many provinces may also require that you take an alcohol education and treatment program and require that all vehicles you drive be equipped with an approved ignition interlock device. What is an Ignition Interlock device card counseling credit service

An ignition interlock is an in-car alcohol breath screening device that prevents a vehicle from starting if it detects alcohol on the breath of the operator. These devices are expensive and can cost about $1300. What if I hurt someone while impaired driving card credit online processing

If you are convicted of impaired driving causing bodily harm, you may be sentenced to up to 10 years in prison. Impaired driving causing death can carry a sentence of up to 14 years in prison. What if I have an accident while impaired driving consolidated counseling credit

Your insurance company may not have to pay for damage to your vehicle, and if you are injured in the collision, your medical and rehabilitation costs may not be covered. How long will my DUI conviction stay on my driving record check credit service

DUI convictions and suspensions remain on your driving record for 3 years. Will my insurer be informed that I have been convicted of DUI No, your insurance company will not automatically be informed of your conviction. Do I have to report my DUI conviction to my insurer If you re applying for insurance with a new company, then yes, you are required to disclose all convictions/tickets, accidents and claims. If you are already insured, you are not required to notify your insurer. However, most insurers periodically check your driving record, especially for high risk drivers, so they may find out about your conviction. And in that case, your insurance status and rate will be affected. How can my DUI conviction affect my auto insurance premium card credit online payment

A DUI conviction can significantly impact your insurance premiums. Your driving record is automatically wiped out after a DUI charge and you have to start from scratch earning the trust of an insurance company. This means your rates could double or triple for the first year alone, and your rates will remain higher than normal for 3 to 6 years following the charge. This can add up to thousands of dollars over the years. How long will my DUI conviction affect my insurance premiums civil credit ontario service

A DUI conviction can affect your insurance rate for 3 to 6 years. While DUI suspensions remain on your driving record for 3 years, depending on the length of the suspension, they can still affect your insurance history for up to 6 years - this varies by insurer. All data and information outlined below was collected from Transport Canada, October 2006, and is subject to change. Please verify details with your local Ministry of Transportation. antonio credit san security

An article about why shopping in today s auto insurance market is important. Featured in the Globe and Mail, on October 30, 2006. Article As featured in the Globe and Mail on October 30, 2006

By Gregory Ellis Co-founder, kanetix.ca card cardmember chase credit

The auto insurance market has undergone many changes in the past year, and you may find yourself, along with many other Canadians, inundated with flyers in your mailbox from insurance companies actively competing for your business. This past year s trend is often referred to as a soft market within the insurance industry. A soft insurance market is typically characterized by a strong focus on building new business, where insurance companies aggressively market their products and try to attract new customers by offering innovative features and discounts, and most importantly, lowering their rates. Many consumers don t believe it makes sense to shop for their insurance at this time; but there could be nothing further from the truth. With more companies competing for business, there is a wider range of prices available for essentially the same coverage. Consumers who don t shop around may be paying a lot more than they have to for their auto insurance. While it is easy to review and accept the renewal notice from your current insurer, especially if your premium decreased, the insurance company who offered you the lowest premium last year may not be the insurance company to give you the lowest premium today. Due to the current range of available premiums, only shopping around can ensure you are getting the lowest premium available. Shopping around for your auto insurance can benefit all styles of drivers, whether your driving history is excellent, mediocre or otherwise. Premiums for experienced drivers with no tickets, accidents or claims vary dramatically. And since tickets and accidents don t always have the same negative effect on your insurance premium, one insurer may increase your premium by 20 per cent after one speeding ticket, while another won t increase your premium unless you are convicted a second or third time. To illustrate this point, kanetix, Canada s online insurance marketplace, looked at over 8, 000 recent online auto insurance quotes provided to visitors with no previous tickets, accidents or claims. Each of these visitors received premiums from on average 10 of Canada s most competitive insurance providers, which includes financial institutions, brokers and direct writers. The lowest and highest premium from each visitor s quote was then recorded and the average difference in premium was calculated. The results showed that premiums differed by over $900! The burning question posed by so many consumers is then, how can premiums vary so significantly when the coverage provided is equal The simplest answer is that insurance premiums are set to cover the cost of future claims, and every insurance company has a unique model for determining this future risk. While factors such as driving experience, convictions, accidents and claims, place of residence and the kind of vehicle being driven are common to all insurers and do weigh heavily in determining risk, there are other considerations insurers make when calculating and interpreting risk. Since each company weighs the past and predicts the future differently, the risk, and thus the premium, will vary from one insurer to another. Consumers can easily save money and take advantage of the current range in premiums by obtaining quotes from various insurance suppliers in a comparison format. And for those consumers overwhelmed by the pile of flyers at their doorstep, insurance quotes are now readily available online, making shopping easy and efficient. See the article as it appeared in the Globe and Mail, on October 30, 2006. Available in .pdf format. Don t have Adobe Reader Visit Adobe for your free version. Insurance quotes - kinetic insurance, kinetix, kenetics, kinetix, kantex or kinetics insurance: any way you spell it, kanetix is the place to get quotes. kanetix

is the right place to get your quotes. Questions 1-888-854-2503 clean credit repair service

Canada s Insurance Marketplace. Article Way back in 1999, when kanetix was first started, we wanted a fresh, original name to reflect the unique way that we ve changed how people shop for insurance in Canada.

We decided on kanetix. credit management service

The name kanetix comes from the word kinetic meaning active, dynamic and energizing. Kinetic theory states that all substances have particles that are in vigorous motion, and this is basically how we envisioned our company operating - always moving, to create a fast, convenient and money saving insurance service. This could be why visitors sometimes search for kinetic insurance or kinetics insurance when they search for us on the web, they clearly understand the association. Finding us on the web is not difficult. If you simply type the word kanetix or auto insurance into just about any search engine, you re sure to find a link right to our front door - er main web page. But, we found it interesting that there are literally dozens of different ways that people have found to spell kanetix. Kantex, kinetix, kenetics, kinetix or kinetic insurance The reasons for the interesting variations in spelling could be because we do some radio advertising, and because we get a lot of word of mouth referrals as well. So, people hear the name kanetix over the radio, or one friend or acquaintance tells another something like: Hey Bob, I just saved a pile of dough on my car insurance, you ve just got to try that kanetix website . So, Bob gets on the Internet a bit later and types: kenetics or kinetix or kenetix , and sometimes even kantex insurance , and then can t find us, and wonders what all the fuss is about. Other interesting versions of our name that people have used include: kanetics, kinetiks, kenetix, kinetixs, kinetis, and our personal favourites: knetix and kineticx - a bit of an ancient Roman influence on that last one.

Hopefully this article will help some of these folks (with their delightfully creative spelling imaginations) find us a little bit easier. colorado credit public service

It turns out that we re in some pretty good company though, as several of our insurance suppliers who provide quotes through our service, and competitors have names that are sometimes a bit challenging to spell if you simply heard their names somewhere. Interestingly, bellair, bel air insurance and belaire are sometimes used to find belairdirect insurance:

• Belair Insurance Company Inc. is one of Canada s largest direct insurers, and one of the insurance suppliers featured through the kanetix website. belairdirect insurance also has a fairly substantial radio advertising presence, so, it s not surprising that people sometimes use two L s when visualizing their name, as in Bellair, or separate the name into bel and air, as in bel air, but interestingly Belaire insurance, although rather noble sounding, is a bit of a mystery. consolidation counseling

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