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actually insurance companies have many rules put in place by the states that will assign the accounts to a different servicing company. but that is US, I am sure Canada has similar rules.

check out coffee house investment strategy, I have been doing this for years (10+) and have fared well in this recession. Less worry and excellent gains. Make sure you always bleed a large sum of money slowly into the market, so you will not be caught at a specific point price-wise.

See: http://kd7yhr.org/bushbo/coffeehouse_investing.md for pointers




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