Category: Insurance

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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What To Expect When You Apply for Insurance

It’s Beginning to Look a Lot Like Tax Season

Everywhere you go

Take a look at your T5 and T4, or you may soon be poor

With all the taxes at your door.

It’s that lovely time of the year when everyone is full of cheer (the 2023 brand of cheer, that is!) And now, tax season is just around the corner. But that’s no reason to fret! You still have time to act and ensure your taxes are a delight and not a downright fright. That little extra time may just be enough to pay off that pony you just bought little Tony.

So, here’s a little gift to get your season started right whether you’re a toy building elf, a gift giving saint, or a retired snowman, there’s a tax guide for you.   Continue reading “It’s Beginning to Look a Lot Like Tax Season” →

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It’s Beginning to Look a Lot Like Tax Season

Learning From Experience: Lars & Nora’s Story

Lars and Nora knew how to set their employees up for success, whether they were coming or going.  Read about how their creative insurance planning benefited their employees and their business. At just the right time, their Overhead Expense coverage and Wage Loss Replacement Plan gave them the breathing room they needed to envision a corporate restructure that set the company and key employees up for sustained growth and long-term success.

Share their story with your clients to help start new conversations about creative corporate insurance planning. Continue reading “Learning From Experience: Lars & Nora’s Story” →

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Learning from Experience: Lars and Nora’s story