Insights
Thinking on risk, tax and the structures behind the plan
Written for Canadian business owners, professionals and families who want the reasoning, not the pitch.
- Health & Living Benefits
Beat Long Medical Wait Times: What Supplemental Global Health Coverage Can Do For You
For many Canadians, the hardest part of a health scare isn't the diagnosis — it's the wait. Specialist referrals, diagnostic imaging, and elective procedures can take months, and for a serio…
Read article - Retirement Planning
Are You Saving Enough for Retirement? A Realistic Look at Closing the Gap
Two forces are quietly reshaping retirement planning for Canadians: inflation, which erodes the purchasing power of savings, and longevity — the very good problem of living longer, which mea…
Read article - Life Insurance
Individually Owned Life Insurance vs. Mortgage Insurance: What's the Real Difference?
When you take out a mortgage, your lender will almost always offer mortgage insurance to cover the balance if you die. It's convenient — but convenient isn't always the same as best. An indi…
Read article - Advanced Planning
Leverage a Permanent Insurance Policy: How an Immediate Financing Arrangement Works
An Immediate Financing Arrangement, or IFA, tends to resonate with individuals and corporations who recognize one or more of the following in their own situation:
Read article - Business Owner Planning
When Does Corporate-Owned Participating Whole Life Insurance Make Sense?
Participating whole life insurance held inside a corporation tends to be worth exploring when several of the following are true for you:
Read article - Estate & Charitable Planning
Enhance Your Charitable Giving Using Life Insurance
Canadians donate billions of dollars to charity every year, and every one of those donations is eligible for a non-refundable tax credit. But there's a way to structure your giving so that b…
Read article - Family & Education Planning
Invest in Your Child's Future: RESP vs. Permanent Life Insurance
Just like construction, a child's financial future needs a solid foundation before anything else gets built on top of it. Two of the most common tools for that foundation are the Registered…
Read article - Retirement Planning
Retirement Income Enhancer: How an Insured Annuity Can Boost Your Retirement Income
If you're nearing or in retirement and want guaranteed supplemental income with full capital preservation, a Guaranteed Investment Certificate (GIC) is the obvious first choice. The catch: G…
Read article - Life Insurance
Simplifying Life Insurance: Should You Rent, Lease, or Own Your Coverage?
Life insurance companies haven't always made it easy to understand their own products — between the acronyms and the product names, it's easy to feel lost. Strip away the branding, though, a…
Read article - Travel & Living Benefits
Planning a Trip? Here's How to Find the Right Travel Insurance Solution
Whether it's a tropical getaway, an important business trip, or a visit to family abroad, travel outside your home province or country comes with a risk that's easy to overlook until it's to…
Read article - Business Owner Planning
Bolstering the Balance Sheet: Why Business Owners Are Turning to Permanent Life Insurance
As Canadian Controlled Private Corporations grow, their owners build out a team of professionals to manage increasingly complex interests. More and more of Canada's wealthiest business owner…
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