Are your employees confident about their retirement planning?

collection of people with their hands in the air

Most members of a group retirement plan won’t be raising their hands. Over the past decade and during 100’s of group retirement plan employee seminars, we have asked employees across industries and age groups if they are confident they will be able to retire comfortably. Time after time, in a room filled with people, only one […]

The Advisor’s Guide to the New Life Insurance Tax Changes

Colleagues working together

Maximize your client’s tax benefits before the January 1, 2017 life insurance tax changes. It has been a long time since there have been major  life insurance tax changes in Canada. That’s all about to change with the introduction of new exempt test rules for life insurance policies. The new legislation reflects current mortality rates, new insurance […]

Establish Permanent Life Insurance at Reduced Minimum Premiums


Changes to cash reserve tax rules will increase permanent life insurance premiums. There are multiple changes to the income tax legislation resulting in an increase in Term 100 or Level Cost of Insurance Policy (LCOI) premiums. This change impacts those who want permanent life insurance at a minimum lifetime premium. While the legislation changes are […]