The Successful Advisor’s Secret Weapon

Bringing the right blend of expertise and creativity to earn the opportunity to put your client’s insurance plan together is half your challenge. The other half is knowing who to have on your team to help you make a good insurance plan even better. Your secret weapon: advanced underwriting experts who help you move your large cases from access to assessment to advice. Underwriting impacts the sale and having sound advice will help get you and your client to a great solution faster.

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Fall in love with these income splitting tips for your client and their spouse

Do you have clients looking to make the most of their savings in retirement with their married or common-law spouse? The trick here is not knowing to save, but knowing how to save. Which accounts make sense?

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Fall in love with these income splitting tips for you and your spouse




Binges, Blackouts, and the Risky Drinker

Alcohol use varies greatly among insurance applicants as does the impact on health and mortality. In North America, almost 100,000 deaths annually are attributed to alcohol and the cost is in excess of $250 billion*. How much is too much is a perennial question and current thinking pegs healthy drinking at less than 14 drinks per week and less than 4 drinks in a single day. For women and adults 65 and older, 7 drinks per week and no more than 3 a day are recommended.

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A Toast to Healthier Living


How Insurance Can Help Your Clients Build their Business

Do you have clients who are business owners yet don’t have the right insurance plan in place because they are so focused on trying to build their business? They may not be aware that business insurance can help mitigate risks and provide opportunity when it comes to growing their business.

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Smart Talk – How Insurance Can Help Build Your Business


Genes, Testing, and the Angelina Jolie Effect

In May 2017, the Canadian parliament passed the Genetic Non-Discrimination Act (GNA) – formerly known as Bill S-201 – that precludes, under certain conditions, the insurance industry’s ability to use genetic tests for underwriting. The GNA, an Act to prohibit and prevent discrimination, states that genetic test information can no longer be requested or used in rendering underwriting decisions.

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Your Genes, Your Business



Explain How Insurance Delivers Both Security and Opportunity to Business Owners

As a business owner, insurance can provide not only protection, but also opportunity when it comes to growing one’s business. Life insurance policies can protect shareholders and their family members, the corporation itself, and key persons to the business. And, it can also enhance the cash flow to the corporation by assigning the policy as collateral for a loan.

As an advisor who runs your own practice, you are likely aware of how this works. But do your clients who are business owners need a little help in learning more about their options? Do they have a shareholders’ agreement, key person insurance, or understand how corporate insurance can be used tax effectively to benefit a charity?

Here’s a client article that helps explain how business owners can utilize insurance to provide both opportunity and security while building their assets in a tax-effective way for their retirement or estate plan.

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How Insurance Provides Security - and Opportunity - for your Business


Is Joint Last-to-Die Insurance Right for Your Client?

If your clients are uncertain on whether joint life coverage is right for them and their spouse, highlight the following benefits for them:

  • The cost of insurance used at the time of issue will be lower than the single life cost currently charged and is fully guaranteed
  • The tax free death benefit receipt coincides to the payment of taxes on the death of the surviving spouse
  • It can help achieve intergenerational wealth transfer, charitable giving and legacy planning

Read the article below that explains this in more detail and share it with your client from thelinkbetween.ca, our client-friendly insurance blog.

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Is Joint Insurance Coverage Right for You and Your Spouse?