Insurance Needs


Personal Financial Advice

1. Access to segregated funds and interest deposit plans (RRSP eligible)

  • Creditor-protection from personal and business creditors
  • 100-per cent stock market guarantees
  • Probate avoidance

2. Family income protection planning — with life and disability income plans

  • Term life insurance
  • Investment life insurance plans for additional tax sheltering

3. Critical illness insurance

  • Lump-sum payouts for major illnesses and conditions, including:
  • Cancer
  • Heart attack
  • Stroke
  • Alzheimers
  • Many other conditions

4. Estate preservation, enhancement and distribution planning

  • Capital gains tax planning, and estate leveraging and enhancement
  • RRSP/RRIF protector plans — pays the income tax on RRSP/RRIF residuals going to your children
  • Tax-advantaged bequests for children, grandchildren or charity

Business Financial Planning

1. Design and implement programs to attract and retain quality employees

  • Group life, disability, medical and dental plans
  • Group RRSP plans
  • Deferred compensation and other programs for key employees

2. Plan for business continuation in the event of death, disability or retirement of owner, key person, partner or shareholder

3. Shelter investment income on retained earnings from taxes and provide retirement income for owners

4. Shield personal investment assets from business creditors and liability claims


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