Client Resources
New to Canada? Protect the future of your loved ones
This may be the busiest time of your life – there’s so much to do when you move to a new country. Finding a place to live. Opening a Canadian bank account. Getting a Social Insurance Number and a provincial health insurance card. Registering your kids at school. Getting a new driver’s licence, a car, auto insurance. And everything else. It’s like starting all over again!
Life is busy, but there’s one more very important thing to do: protect your family’s future by getting life insurance.
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The 80’s were fun… but you’re all grown up now
As a member of Generation X, you were born between 1965 and 1980. It was a great time to be young. Perhaps you had a garage band or maybe you flash danced your way through every weekend at clubs. But that was then. You’ve since traded in your grunge gear for a designer suit…or at least clothes without holes and pins. Now you have a respectable job and a family and with both of these comes responsibility.
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Protect your family’s financial security
Year in, year out, your family depends on you to make ends meet. How would they cope financially if you passed away unexpectedly? Where would the money come from? Unless you have a large amount of savings that your spouse could access immediately, your family could face serious hardship.
How to insure your children’s education
If you are a parent, you may already be saving for your children’s education, possibly through a Registered Education Savings Plan (RESP). But what if the worst happens and you aren’t there to make the contributions? Life insurance protection helps to ensure that your children’s education costs can be covered, even if something should happen to you or your spouse.
Being a parent is life-changing in the best way
A new life is in your hands. And with that life comes immense love and caring and endless adventure. It’s truly a wonderful experience.
Becoming a parent also brings great responsibility. That’s why so many people purchase life insurance when they have a baby. After all, it’s said the number one reason to choose life insurance is when someone depends on you for financial support. And what can be more important when that “someone” is your own child?
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4 things you need to know about life insurance
If you feel mystified and somewhat confused about the topic of life insurance, you’re not alone. To help take the mystery out of the topic, here are the answers to four essential life insurance questions.
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The value of naming a beneficiary.
The value of naming a beneficiary
When reviewing one’s estate plan, segregated funds should be considered. This is because you can name a beneficiary on both non-registered and registered contracts. And with the ability to name a beneficiary comes several powerful benefits.
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Death, Fees and Taxes
Death, Fees and Taxes
When you die, for taxes purposes, you’re deemed to have disposed of all of your property. So for non-registered assets, you could trigger a capital gain or capital loss. There’s also something called probate fees in most provinces.
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Protect your estate after you’re gone.
Protect your estate after you’re gone
What is estate planning?
What is estate planning?
Estate planning is the process where you lay out your instructions as to how your assets should be distributed. Who they are to go to, when they are to go to them and in what form. And of course, you want to do this in a very thoughtful way.
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