Articles

Strengthening Your Client’s Safety Net with Critical Illness Insurance

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Risks are inevitable and in your line of work, you consider risks all the time – after all, your speciality is building the safety net your clients need to protect against associated financial consequences.

This Strengthening Your Safety Net tool will help give your clients some perspective on the risk and economic impact of a critical illness and demonstrate how you can assist in rounding out their insurance portfolio with critical illness insurance.

Share it with your clients or use it to support your next critical illness insurance consultation. Continue reading “Strengthening Your Client’s Safety Net with Critical Illness Insurance” →

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Strengthening Your Safety Net

To Freeze or Not to Freeze, That Is the Question

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Before we dive into this interesting topic, let’s start with the definition of an estate freeze. An estate freeze is a common planning strategy for business owners to pass the growth of their company onto the next generation and cap the value that will be subject to income tax on the sale of their shares in the company or on their death.

The question of whether to freeze and when, is something your business owner clients should consider.  Many things come into play when deciding when to freeze, including the value of the company, age of the parents who are considering a freeze, as well as the ages of the children to whom the growth is to be passed. Additionally, in today’s market, there are many other reasons to contemplate freezing the value of the company now – has the pandemic caused the value of the company to decline? Speculation that the capital gains rate might increase from 50% to 75%, which would increase the tax liability on death for the shares, is another reason to look at implementation of an estate freeze sooner rather than later. Continue reading “To Freeze or Not to Freeze, That Is the Question” →

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Is an Estate Freeze Something I Should Consider for my business?

Insuring Your Client’s Greatest Asset with Disability Insurance

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What does your client consider their greatest asset? Home and vehicles are among the most common answers, however, your client’s earning power has the biggest impact on their financial health. More likely, their home and vehicles are ensured, but what about their earning power?

Have a look at PPI’s Insuring Your Greatest Asset tool below, then share it with your clients to give them a little perspective on the importance of their earning power and how to safeguard it.

Continue reading “Insuring Your Client’s Greatest Asset with Disability Insurance” →

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What becomes of the broken-hearted? Stress and the Human Heart

The Irish playwright, Oscar Wilde, observed that the heart was made to be broken. Indeed, the experience of being alive is almost certain to contain at least one heartbreak, perhaps even adding to the richness of our humanity or sowing the seed of a future happiness. The medical community has long questioned whether heartbreak or its’ frequent companion, severe or chronic physical or emotional stress, can damage the human heart, the muscle responsible for each life sustaining breath. Let’s take a look at possible answers to those questions. Continue reading “What becomes of the broken-hearted? Stress and the Human Heart” →

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What becomes of the broken-hearted? Stress and the Human Heart

SMART TALK… about choosing the right insurance

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As an advisor, you know the many categories and variations that exist within insurance – all of it can be quite perplexing for anyone who is not familiar with the insurance world.

This video describes the difference between term and permanent insurance, as well as living benefits like critical illness, long term disability and long-term care in a way that is easy for clients to understand. Share the client-friendly link below with your clients to help them decide which insurance is right for them. Continue reading “SMART TALK… about choosing the right insurance” →

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SMART TALK… about choosing the right insurance

SMART TALK… about your insurance options

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When it comes to life insurance, the process can be a little daunting, especially for those clients that don’t know what to expect. Needs analysis, the application and underwriting process, payment options… it’s a lot.

Watch this video, then share it with your clients to help them understand the process of purchasing life insurance. Continue reading “SMART TALK… about your insurance options” →

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SMART TALK… about your insurance options

SMART TALK… about insurance

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You know how tumultuous life can get and insurance exists to provide peace of mind during the toughest of moments. If your client is faced with an unexpected illness, disability or even death, insurance can provide options to cover ongoing expenses or help to build and protect assets that can be passed on to heirs.

Watch this video, then share it with your clients to illustrate the many benefits of life insurance. Continue reading “SMART TALK… about insurance” →

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SMART TALK… about insurance

What is Sequence of Returns Risk and How Does it Affect Your Client?

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Investors are frequently instructed to own a well diversified portfolio in accordance with their risk tolerance and hold it through all market conditions until their situation changes or they are facing a life event. This is all well and true, but for investors entering their retirement years, generating a high return, while important, is only one factor which ultimately influences how long their savings will last. Another important factor is the order in which returns are earned. To put it simply, regular withdrawals diminish the dollar value of a portfolio, and it is precisely this dollar value upon which future returns are compounded. In fact, experiencing negative returns early on can result in running out of savings much sooner than if the portfolio experienced positive returns at the outset. Continue reading “What is Sequence of Returns Risk and How Does it Affect Your Client?” →

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What is Sequence of Returns Risk?

How to Build Your Online Social Network

We live in a new world – COVID-19 has forced many of us to think about how we connect with others and find new ways to engage with family, friends, co-workers and clients. Undeniably, the digital era is now upon us and finding success may be the difference between embracing technology versus thwarting it.

As an advisor, it’s crucial for you to have and maintain an active online presence in order to promote your business and showcase who you are and what you stand for. But how do you build the RIGHT network of followers – that ideal group of clients who are interested in what you have to offer and are willing to engage with you? Here are a few guiding principles to keep in mind: Continue reading “How to Build Your Online Social Network” →

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How to Build a Strong Social Media Network

Savings to Reach a Goal Calculator

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It’s certainly important to have financial objectives in mind. But just like sports, your client needs to understand where those goal posts are in order to score those important financial goals.

Take a moment today to share this Savings to Reach a Goal Calculator with your client and help them get started with a game plan to score those triumphant financial goals! Continue reading “Savings to Reach a Goal Calculator” →

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Savings to Reach a Goal Calculator