Articles

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”

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


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year (subject to your client’s contribution limit) and their spouse will see a tax-free return until those assets are withdrawn.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”

SHARE the client article from The Link Between:
The ABCs of Spousal RRSPs


Capital Required for Income

The age-old question when planning for retirement is ‘how much do I need to save’. This calculator asks your clients how much annual income they’d like in retirement and for how long and gives them an idea of how much capital they’ll need to save before retirement to make their dream a reality.

Continue reading “Capital Required for Income”

SHARE the client article from The Link Between:
Capital Required for Income



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.

Share this video to illustrate how living benefits can protect your client and their family during uncertain times. Continue reading “SMART TALK… about living benefits”

SHARE the client article from The Link Between:
SMART TALK...about living benefits



Getting Documents Signed Remotely: eSignatures

Over the last few decades, everything in our life has been moving onto a digital platform, from navigation and communication to banking and investing. Previously, life Insurance has been fairly resistant to these trends. Necessity, however, is the mother of all invention and now more than ever, the insurance industry is embracing online technology. eSignatures in particular are now the standard, rather than the anomaly. Continue reading “Getting Documents Signed Remotely: eSignatures”

SHARE the client article from The Link Between:
Getting documents signed remotely: eSignatures


Transferring Life Insurance – What You Need to Know!

While it’s best to avoid the need to transfer life insurance to an individual or corporation – along with the resulting tax consequences – it’s not always possible to foresee every future circumstance. There can be times when a transfer just needs to be done. Continue reading “Transferring Life Insurance – What You Need to Know!”

SHARE the client article from The Link Between:
What You Should Know Before You Transfer Life Insurance