If your client is a business owner, insurance can help provide them with not only protection, but opportunity when it comes to growing their business. Life insurance policies can help protect shareholders and their family members, the corporation itself, as well as key persons to the business. It can also help enhance cash flow to the corporation by assigning the policy as collateral for a loan. Continue reading “How Insurance Delivers Security and Opportunity for Your Client’s Business”
Category: Insurance
Separation of Owner and Beneficiary in Corporate Context – Who is Paying the Premium?
There are many reasons in the corporate context to have one company (a holding company or a sister company) own the life insurance policy on a shareholder and have the operating company as the beneficiary. One very important reason is that the separation allows for the operating company to fund the buy out of the shareholder’s estate on the death of the shareholder pursuant to a shareholder agreement. Continue reading “Separation of Owner and Beneficiary in Corporate Context – Who is Paying the Premium?”
What Your Client Can Expect When They Apply for Insurance
The process of obtaining insurance is no small feat. From the application process, to medicals, to policy payments and more, there are many steps involved in securing insurance for your client and their family.
Here is a great article for you to share with your clients; something to explain in detail the full process of acquiring insurance. Of course, you will need to follow up with a phone call and perhaps a meeting, but this article is a good way to start the insurance conversation and provide your clients with a roadmap to what they can expect during this time. Continue reading “What Your Client Can Expect When They Apply for Insurance”
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What To Expect When You Apply for Insurance
INFOclip: Exploring Capital Alternatives
Throughout your client’s lifetime, they may set many goals for themselves and their family. But what would happen if your client encountered an unexpected life event or financial emergency that could prevent them from achieving their goals? Continue reading “INFOclip: Exploring Capital Alternatives”
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INFOclip: Exploring Capital Alternatives
Your Client’s 101 on How Canadians Are Taxed
The time for your client to file their 2023 personal income tax return is just around the corner. Need a reminder about how Canadians are taxed, including something to share with your clients… read on. Continue reading “Your Client’s 101 on How Canadians Are Taxed”
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Your 101 on How Canadians Are Taxed
Your Clients’ Greatest Hits 2023
As the year comes to an end and we look forward to the new year, let’s revisit some of the insurance and investment related articles, videos, calculators and tools that were on your clients’ favourites list in 2023 – check them out and be sure to share them with new clients and prospects. Continue reading “Your Clients’ Greatest Hits 2023”
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Greatest Hits 2023
It’s Beginning to Look a Lot Like Tax Season
Everywhere you go
Take a look at your T5 and T4, or you may soon be poor
With all the taxes at your door.
It’s that lovely time of the year when everyone is full of cheer (the 2023 brand of cheer, that is!) And now, tax season is just around the corner. But that’s no reason to fret! You still have time to act and ensure your taxes are a delight and not a downright fright. That little extra time may just be enough to pay off that pony you just bought little Tony.
So, here’s a little gift to get your season started right whether you’re a toy building elf, a gift giving saint, or a retired snowman, there’s a tax guide for you. Continue reading “It’s Beginning to Look a Lot Like Tax Season”
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It’s Beginning to Look a Lot Like Tax Season
Learning From Experience: Lars & Nora’s Story
Lars and Nora knew how to set their employees up for success, whether they were coming or going. Read about how their creative insurance planning benefited their employees and their business. At just the right time, their Overhead Expense coverage and Wage Loss Replacement Plan gave them the breathing room they needed to envision a corporate restructure that set the company and key employees up for sustained growth and long-term success.
Share their story with your clients to help start new conversations about creative corporate insurance planning. Continue reading “Learning From Experience: Lars & Nora’s Story”
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Learning from Experience: Lars and Nora’s story
Alternative Minimum Tax Changes – What Your Client Needs to Know
The 2023 Federal Budget proposed changes to the existing Alternative Minimum Tax (AMT) rules with draft legislation released on August 4, 2023. These revised rules will apply beginning January 1, 2024. Continue reading “Alternative Minimum Tax Changes – What Your Client Needs to Know”
Critical Illness Insurance – Do We Position Its True Value or Baulk at the Cost?
Critical illness insurance (CI) seems to be something most clients know a little bit about. Sure, it’s a great complement to life insurance and disability income protection (replacing neither), but when it comes to purchase, CI is perhaps the first item of the client recommendation to be eliminated, once the client suggests it seems “too expensive”. Now you have a decision to make with your clients… do you show the true value of critical illness insurance to your client as an added layer of protection and the peace of mind knowing it helps keep them and their family secure or do you baulk at the high cost of CI? Continue reading “Critical Illness Insurance – Do We Position Its True Value or Baulk at the Cost?”
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Critical Illness Insurance… It Just Makes Sense