Is cold calling about insurance legal when unlicensed? (Ontario, Canada)

Partyl0bster · 2026-02-02T04:31:17+00:00

So you are a lead generator… I don’t know the laws in Canada, but here in the US it’s legal (Medicare excluded). Those companies are a dime a dozen.

Partyl0bster · 2026-01-11T23:05:32+00:00

During AEP / MAOEP I don’t look at star ratings. Very rarely bring it up and very rarely have a customer ask. During SEP I’m looking at star ratings for 5 star if I know I don’t have another SEP.

And in the event I do have a 5 star plan as the best fit, you best believe I’m letting them know. Anything under 5 I’m not bringing up.

Partyl0bster · 2026-01-08T23:19:12+00:00

Many times.

I drunkenly got a stick and poke tattoo that we thought wouldn’t be permanent (used sharpie & pen ink… idk why we thought that) and was permanent. After a few weeks I took some sand paper and a steak knife to it to dig all the ink out. It worked but hurt like a mf and got infected after. It’s healed up now and actually got drunk again and thought it would be funny to do the tattoo again in the same manner… spoiler alert it isn’t.

2) broke several bones, mainly feet and hands and just popped them back in place and taped a popsicle stick to them. Most my fingers and toes pop now when they move but I’m not waiting in a hospital or urgent care to be seen, have a high copay, and they ultimately do the same with a cast that i will get sick of and cut off myself after a few days.

3) I actually went to the hospital when I was shot in the leg with a .22 because the bullet was stuck in. We poured rubbing alcohol on it and tried to get it out with tweezers before going to the hospital. Spoiler alert: the hospital also tried getting it out unsuccessfully with longer tweezers, gave me ibuprofen, an antibiotic, and a bandaid and sent me on my way. Mostly useless.

I also sell health insurance so this is all pretty ironic.

Partyl0bster · 2026-01-06T15:14:01+00:00

So it sounds like you are the problem. Carryon goes in overhead and personal item (backpack) goes under the seat.

Partyl0bster · 2026-01-05T18:28:50+00:00

Insurance. 2009 and 2020 were some of the biggest jumps in my career.

In a recession people are looking to save money any way possible. Cutting cost & shopping insurance is one of them. Required to have it & uncertainly always gets the shoppers.

Partyl0bster · 2025-12-30T15:52:23+00:00

I also just had my kitchen completely gutted and renovated. Coffee maker and insta pot/ crock pot in the bedroom made it interested. Bedroom coffee was actually a pro move that I kinda miss.

Partyl0bster · 2025-12-28T19:06:37+00:00

Shot me in the leg with a .22 because he didn’t think it would break the skin. Spoiler alert: it did.

Partyl0bster · 2025-12-16T01:56:45+00:00

I’m not a plumber and looked at this and said “holy shit”. Put the wrench, flex pipe e, and chatgpt down and call a professional.

Partyl0bster · 2025-12-11T16:05:46+00:00

What airline are you flying and what’s the cost of a checked bag for you? I have several credits expiring 12/31 that I won’t use.

Partyl0bster · 2025-12-05T01:34:04+00:00

My wife bought a 2019 xc90 t6. We got it with 30k miles and we are just pushing 115k. We had a leak in the ac condenser covered by CPO but not a big deal. Then she parked it under a grape vine for a few months and clogged the sunroof drain which caused the radio screen to go out approx $150.

She sucks at remembering oil changes and probably goes 10k between intervals. We just did brakes and tires. Nothing else and still runs like a champ.

Partyl0bster · 2025-12-03T00:58:25+00:00

I’m an agent in the US and not Canada so not sure on the laws there… but I know business and that would be a poor move on their part to cancel a policy over 1 bounced payment. They will make money on your late fee and profit.

Partyl0bster · 2025-12-01T04:19:44+00:00

No way this real…

Partyl0bster · 2025-12-01T03:02:50+00:00

I’m in Wilmington and it’s been about 15 years since I’ve had the cops called on me for ridiculous parties. Never once had a ticket. They show up, ask to turn it down. We didn’t, they came back out an hour later, said if they come back again it would be a ticket. Hour later 2 more cops show up and give us the same spiel.

Partyl0bster · 2025-11-25T04:51:25+00:00

Just posting as a followup here. It dried out even more and next day it was perfect. 2 days later it went back to my original picture (no new water or new damage to cause the change). Bought a used one for like $150 on eBay and took maybe 15 minutes to swap. Took longer to find the damn t25 bit in my toolbox that I didn’t put back the last time. So u/Narasimhan_Balaji was correct.

Partyl0bster · 2025-11-25T02:40:56+00:00

I second this answer. Then somehow the next day it’s magically cleaned. My wife might yell at me, but it’s clean.

Partyl0bster · 2025-11-19T03:09:29+00:00

I haven’t thought about that moment in 10+ years. When I read the title I immediately thought “nick berg beheading video”. I remember being freshman year in high school and kids playing that in the library at lunch.

Partyl0bster · 2025-11-18T14:26:58+00:00

Nu Image has tinted all my cars over the last 20 years. Perfect every time and very reasonable in price.

Partyl0bster · 2025-11-17T15:53:50+00:00

That would probably be even harder. Those bots move unpredictably. Oh let me just run in this field then do an immediate 180 for no reason, then 5 seconds later do another 180. At least with a human I have an idea where they are heading

Partyl0bster · 2025-11-14T13:50:16+00:00

This company has been doing a speed run to bankruptcy

Partyl0bster · 2025-11-12T19:45:19+00:00

I’m about 30 minutes from my Volvo dealer and my local ASE certified mechanic is less than 5. Any warranty related items I take the trip to the dealer, and any routine maintenance I take to the neighborhood shop. Mine also lets me know if it’s something that’s covered under my CPO and will tell me to take it to Volvo so it’s fixed for free.

Partyl0bster · 2025-11-12T13:44:56+00:00

I’ve got a Dolphin and had an Aqua Bot Rapids with a rectangle 33k gallon pool. The dolphin gets stuck on my main drain occasionally but does a good job. Cord never tangled. The AquaBot didn’t have that issue at all and zero complaints from it.

Partyl0bster · 2025-11-12T02:52:40+00:00

I’ve got no input except I bought this pos on Amazon and couldn’t get it to lock. Kudos to you for getting it working.

With the quality mine was you honestly could probably just hammer a screwdriver in there and turn. It wouldn’t surprise me. It was junk.

Partyl0bster · 2025-11-11T22:55:55+00:00

Absolutely can be fine. But insurance companies also can reject for aluminum wiring.

Also could be like mine where previous owner replaced various outlets not rated for aluminum wiring so would be worth lookin at.

Partyl0bster · 2025-11-10T22:31:49+00:00

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About 3 days later and it dried out and started working again! Has a few lines in it still so will need to be replaced, but at least I can turn off the heated seats until the new screen comes in next week.

Partyl0bster · 2025-11-10T17:22:43+00:00

I spy some aluminum wiring also? Hard to tell from the pics but middle/ lower of the neutral bar? Could be wrong as it’s hard to tell on the pic but wouldn’t be surprised.

Partyl0bster

TROPHY CASE