The Genetic Non-Discrimination Act: A Supreme Thumbs-Up

Genetic testing has been an incredible success in helping patients determine both their current health status and future health risks. The results of a genetic test can help confirm or exclude a suspected genetic condition; they can also help determine the chance of developing or passing on a genetic disorder – certain types of cancers, Alzheimer’s and Parkinson’s disease to name just a few [1].

So, what is genetic discrimination, and what happens if your client would like to buy insurance but they have been genetically tested and are worried their results will work against them? Continue reading “The Genetic Non-Discrimination Act: A Supreme Thumbs-Up”

READ the client article on The Link Between:
The Genetic Non-Discrimination Act: A Supreme Thumbs-Up


The Need for Needs-Based Planning

Over the last decade, insurance solutions have evolved, not only in product development but also in the lens from which we view insurance. In its most basic form, insurance addresses your client’s financial risk and works to develop a secure and unhindered path forward.

However, before insurance can do its job, it is your job to sit down with your client and ask some important questions – a needs-based assessment will help you determine what your client would face in the event of illness, disability or even premature death. This assessment or “analysis” will also help to establish your client’s estate goals and allow you, as their trusted advisor, to find better solutions based on your client’s unique set of circumstances. Continue reading “The Need for Needs-Based Planning”

READ the client article on The Link Between:
Needs Based Planning: It’s All About You!


COVID-19 Phobia – The Impact of Fear

There is no doubt that the COVID-19 pandemic has elicited widespread anxiety and fear, and although both are a normal part of the human experience, these emotions have caused many of us, including your clients, to change behaviour and decision-making regarding health. In fact, many of your clients who were once quite vigilant about their own health may now be feeling anxious about visiting their doctor or a hospital if they are unwell. Continue reading “COVID-19 Phobia – The Impact of Fear”

READ the client article on The Link Between:
COVID-19 Phobia and the Impact of Fear


How a Spousal RRSP Can Benefit Your Client

A spousal* RRSP is exactly what it appears to be, quite simply a Registered Retirement Savings Plan (RRSP) for a spouse; a plan that can not only help your client and their spouse set aside funds for their retirement, but can save them some tax dollars in the process. The general idea of the spousal RRSP is that one person, typically the higher earner, contributes money to the plan on behalf of their spouse. The main benefit for your client is that a contribution can be made each year (subject to your client’s contribution limit) and their spouse will see a tax-free return until those assets are withdrawn. Continue reading “How a Spousal RRSP Can Benefit Your Client”

READ the client article on The Link Between:
The ABCs of Spousal RRSPs






SMART TALK…about living benefits

Injury or illness can happen to anyone, including your clients. Help your clients understand the importance of living benefits, specifically critical illness and disability insurance, and how it can help them pay their bills and provide them with peace of mind when they can no longer generate an income. Continue reading “SMART TALK…about living benefits”

READ the client article on The Link Between:
SMART TALK...about living benefits