The AmpLiFi Experience

Did you know that as an Advisor with PPI, you can qualify for access to AmpLiFi, our all-in-one cloud-based sales enablement platform that helps you quote, generate leads, manage in-force business and ultimately, close more deals?

Part of PPI’s Stratosphere digital suite of tools, AmpLiFi helps guide you and your client through the sales process. When you share a Your Link Between article, your reader can click the ‘request a quote’ button, launching the AmpLifi experience — which assists with needs analysis, quoting and helps to close the deal —this tool can take you and your client from start to finish seamlessly and elevate your practice to a new level. Continue reading “The AmpLiFi Experience”


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


Transferring the Family Business – The Landscape is Changing

An article by PPI’s Planning Services team, a group of lawyers, accountants and actuaries who provide tax and estate planning support to Advisors affiliated with PPI.

The taxation of intergenerational transfers in Canada has been in the news over the last several years. A private members’ Bill, Bill C-208, proposed changes to section 84.1 of the Income Tax Act to exempt certain intergenerational transfers from this anti-avoidance provision (the anti-avoidance rule is intended to prevent stripping surplus out of a corporation as a tax-free return of capital rather than a taxable dividend). The changes proposed in Bill C-208 became law in June 2021 but the Department of Finance had concerns that the rules were too broad and might result in abuse. The Department of Finance announced revisions to the rules in the 2023 Federal Budget, which are more restrictive than the original proposals in Bill C-208 and are contained in the draft legislation of August 4, 2023. The revised rules come into effect on January 1, 2024, so there is a shrinking planning window for those cases in which it may make sense to apply the existing rules.*

Before we discuss the planning options in this changing landscape, let’s review why Bill C-208 was considered necessary. Continue reading “Transferring the Family Business – The Landscape is Changing”

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Transferring the Family Business – The Landscape is Changing


Holistic Planning – 10 Reasons To Add Insurance To A Wealth Practice

If you’re an Advisor specializing in investment products, now may be a good time to consider adding insurance solutions into your practice. Today, clients are looking for holistic planning – that’s  planning for a financial future with a knowledgeable, well-rounded Advisor who can offer a one-stop-shop for financial solutions and the peace of mind knowing they and their loved ones are safeguarded entirely with no gaps in their financial protection.

Here are 10 reasons to embrace holistic planning, including insurance, into your wealth practice… because insurance is not just a revenue opportunity, it’s a critical layer of protection for your clients and their families: Continue reading “Holistic Planning – 10 Reasons To Add Insurance To A Wealth Practice”

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Make Holistic Planning Your Goal When Looking to Your Financial Future


What Your Client Should Financially Expect When They’re Expecting

Is your client expecting a new family member? What an exciting time, but equally as scary when they begin to consider all the uncertainties that come with parenting.

First day of school, learning to drive, parties and dating… over the years, there will be plenty of things for your client to worry about as their child grows up and ventures into an independent life – however, finances should never be one of those worries. Here are a few key aspects for your client to consider when laying out a solid financial foundation for the newest members of their growing family. Continue reading “What Your Client Should Financially Expect When They’re Expecting”

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What to Financially Expect When You’re Expecting


The Importance of Insurance Reviews – Things Your Client Should Consider

Did you know that September is National Life Insurance Awareness Month? The perfect time to reach out to prospects and clients to evaluate what insurance they have in place and if it still meets their needs.

A good place to start is to assess your client’s current situation. Your client has different needs at different stages in their life, so good questions to review with them include: Continue reading “The Importance of Insurance Reviews – Things Your Client Should Consider”

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The Importance of Insurance Reviews – Things to Consider


Melanoma: Through Thick and Thin

Melanoma is the deadliest form of skin cancer. About 9,000 Canadians are diagnosed annually causing approximately 1,200 deaths per year (1). As a cancer long known to plague mankind, the father of Western medicine, Hippocrates, described these potentially deadly skin lesions as “the fatal black tumour”. For millennia, there was a poor understanding of the causes and possible treatments. That changed in the 19th century when physicians noted the propensity of melanoma to metastasize and later how excising certain lymph glands might prevent the spread of this skin cancer (2). Continue reading “Melanoma: Through Thick and Thin”

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Melanoma: Through Thick and Thin


The Value of Taking Risks

It may seem like an easy decision for your clients to invest in guaranteed return investments when rates are high, but it’s important not to lose sight of inflation. The objective, after all, is to increase purchasing power through earning at a rate higher than inflation. If inflation is, say, 5% but interest rates are also 5% then the real interest rate is 0% and there is no increase in purchasing power. Increasing purchasing power can often involve taking on some level of risk.

Your clients may benefit from exploring the value of taking risks with different types of investments that offer varying risk profiles or tax treatment. Continue reading “The Value of Taking Risks”

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The Value of Taking Risks


GIC Laddering

If your clients want to take advantage of attractive GIC rates but don’t want to lock in all their funds for a long duration, talk to them about GIC laddering. Rather than making their entire investment in a 1-year fixed term, encourage them to split it into different fixed terms of 1 year through 5 years. With this strategy, they’ll have investments maturing every year, and will stand to earn far greater returns. Share this calculator to help them see the potential advantages of GIC laddering. Continue reading “GIC Laddering”

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GIC Laddering


Assuris Announces Higher Levels of Policyholder Protection

Did you know that Assuris is to the insurance industry what the Canada Deposit Insurance Corporation (CDIC) is to the banking industry?

About Assuris

Founded in 1990, Assuris is the independent not-for-profit organization that protects Canadian policyholders if their life and health insurance company fails. Backed by the strength of the life and health insurance industry, Assuris provides a safety net for every Canadian policyholder. Every insurance company authorized to sell life and health insurance policies in Canada is required, by the federal, provincial, and territorial regulators, to be a member of Assuris.

Where OSFI’s stringent regulations are the first line of defence to prevent insurance companies from facing bankruptcy, Assuris offers a second line of defence so that if ever necessary, they will facilitate the transfer of in force policies to a solvent insurer and as needed, provide financial protection. Continue reading “Assuris Announces Higher Levels of Policyholder Protection”

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Canadian Financial Services Consumer Protection