Retirement Calculator

Whether your clients are planning a retirement that takes them to top destinations around the world, or like most of us, allows them to continue enjoying their current lifestyle with peace of mind, planning ahead is the best way to know where they’re going and how to get there. With the Retirement Calculator, your clients can set their retirement income based on their retirement lifestyle goals and see quickly if they’re on track, then explore several options for reaching or expanding their retirement goals, including adjusting pre-retirement annual investments, rates of return, and retirement age and income. The Retirement Calculator is designed to help your clients get wherever it is they’re headed, on time. Continue reading “Retirement Calculator”

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Retirement Calculator


Disability Insurance Needs Calculator

Do your clients understand their group disability benefits? Do they know that benefits are paid as a percentage of regular income, and that depending on their plan, they may only be covered for a couple of years—especially if they’re qualified to do any kind of work at that time?

This easy-to-use calculator can be a great way to start important disability insurance conversations. Your clients can quickly see how much income they’d require in the event of a disability when they include their household income and expenses. They can even include things like planned savings and debt repayment to make sure they stay on-track no matter what. Once they know their income needs, you can review any coverage they have in place and discuss whether they’d be able to meet their financial obligations and goals in the event of a disability and offer insurance solutions that may strengthen their safety net.

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Disability Insurance Needs Calculator


Critical Illness Insurance Needs Calculator

What kinds of financial burdens would your client need to carry in the event of a serious illness? Fortunately, as Canadians, we have access to government healthcare coverage and potential group or personal disability coverage to cushion what might otherwise be grave financial burdens during hard circumstances. But, what about those other expenses these plans don’t cover? This calculator will help you and your clients to consider many of the financial consequences of serious illness that aren’t covered by their medical and disability plans. Help fill any critical illness insurance gaps in your compliant insurance sales practice by sharing this calculator with your clients to start important conversations about the short and long-term financial impacts of serious illness. Talk to them about how critical illness insurance may strengthen their insurance safety net and help secure their financial future.

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Critical Illness Insurance Needs Calculator


Obstructive Sleep Apnea: Sleep Well, Breathe Easy

In the 1830’s, the English novelist Charles Dickens published a series of stories called “The Pickwick Papers”. One character, the larger-than life Joe, was known for his prodigious appetite and large build with an ability to fall asleep quickly and often during the day. In 1956, an astute medical researcher named Burwell and his colleagues published an article in the American Journal of Medicine titled, “Extreme obesity associated with alveolar hypoventilation-a Pickwickian syndrome”. This was the first modern day presentation of a sleep-related breathing disorder now known as obstructive sleep apnea (1).

What is obstructive sleep apnea, also known as OSA?

Apnea means to stop breathing, and in the context of OSA this happens while asleep. That sound you hear is the often loud snoring that accompanies these episodes of breathlessness. The obstructive part is in the upper airway system caused by the inadequate function of the tongue muscles or surrounding muscles that keep the airways open (2). Continue reading “Obstructive Sleep Apnea: Sleep Well, Breathe Easy”

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Obstructive Sleep Apnea: Sleep Well, Breathe Easy


Final Tax Bite

Rolling-over taxable assets to a spouse is simple. But transferring taxable assets to other heirs can have tax consequences. If your client should die without a living spouse, its as though they liquidated all their assets the moment before their death, and any taxes due must be paid by their estate. Their heirs will receive only what remains. Fortunately, in most circumstances, your clients can pass along their principal residence to their heirs without paying tax, but if they have registered investments, stocks, mutual funds, a cottage, other real estate, or a business, a significant portion of their estate may be eroded by taxes. The good news is they can do something about it now.

Share this calculator to start conversations about estate taxes so you can show your clients how to transfer their estates to their heirs intact. Continue reading “Final Tax Bite”

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Final Tax Bite


How Insurance Delivers Security and Opportunity for Your Client’s Business

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”

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Protect Your Business: How Insurance Delivers Security and Opportunity


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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Having a Drink: Is One Too Many?

Having a drink, taking a shot, chugging a brew are familiar synonyms for alcohol consumption. This is neither new nor regional. Humankind the world over has been fermenting beverages for millennia with the oldest verifiable brewery located near Haifa in modern day Israel (1). Whether imbibing baijiu in Shanghai, sake in Tokyo, ouzo in Athens or a stunning variety of wines in the Mediterranean countries, the cultural and geographical blueprint for alcohol use runs deep and broad. France even has wines named after some of its’ most famous regions as any proud denizen of Champagne or Bordeaux will boast. Continue reading “Having a Drink: Is One Too Many?”

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Having a Drink: Is One Too Many?