Wealth Update – Can Too Much Probate Be Avoided?
We have spent a great deal of time promoting the beneficial properties of insurance company investments, but have we gone too far? As a...
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Tony Gallippi, B.A.S (Hons.), CFP, CLU
- May 16
- 8 min
Insurance Planning around the Passive income tax rule changes from 2018
We often hear of the dreaded passive income tax rules introduced in 2018 and their impact on the small business deduction (SBD) limit. ...
Scott Edgington
- May 3
- 2 min
Wealth Update – Cost of Using RRSPs to Finance a Critical Illness Need
Here is a correction to last week’s email blast. In Q1, the strongest fund at Empire Life was the Multi-Strategy Global Growth with a...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
- Apr 18
- 7 min
The Value of Permanent Life Insurance: “Point of Sale” Tools
I frequently get the opportunity to work on cases that involve clients who’ve amassed a great deal of financial wealth in their lifetime....
Scott Edgington
- Mar 30
- 2 min
Wealth Update – Seg Funds and Non-resident Beneficiaries plus a Federal Budget Summary
Before we get into this week’s subject, here is a summary of the proposed Federal budget presented this week. For those with clients with...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
- Mar 22
- 8 min
Split-Dollar Critical Illness (Or Shared Ownership CI Strategy): A Cautionary Tale!
I was recently parachuted into a case where three shareholders/partners were contemplating a “Split Dollar CI” using a 15-pay permanent...
Scott Edgington
- Feb 28
- 2 min
Wealth Update – Successor Owners and Annuitants vs. Beneficiaries
As promised in last week’s newsletter, this week we’re going to look at successor owners and annuitants. As a reminder, A successor owner...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
- Feb 13
- 5 min
Charitable Giving and Life Insurance Part 2: Wealth/Estate Replacement Strategy
Do you want 100% of your wealth preserved for your family, or favorite charity, or only 100% of what is left over after the government...
Scott Edgington
- Feb 1
- 2 min
Wealth Update – Strongest And Weakest Funds In 2022 And T2033 Addresses
We’ve been preparing these tables for a few years now, and it’s interesting to see how things change over time. Looking back at 2021, we...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
- Jan 3
- 6 min
Charitable Giving and Life Insurance: Part 1: Ways to Donate Life Insurance to a Charity
During the holiday season it's natural for our focus to turn towards giving to others. From a planning perspective, and if you’re so...
QFS
- Dec 30, 2022
- 3 min
New Year Message from our SVPs
We wanted to take this opportunity to wish you and your family a Happy New Year! Just when we thought 2022 would be a “normal” year, it...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
- Nov 23, 2022
- 7 min
The Importance of a Cover Letter: Selling the Case to the Underwriter
In my previous 3 articles, we explored the many insurance opportunities we find when working in the business owner marketplace. The...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
- Oct 26, 2022
- 6 min
Corporate Insurance Opportunities in the Growth/Mature Phase of the Business Cycle
In the previous article (published Sept 15, 2022), we explored the most common insurance opportunities we find in the development/growth...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
- Sep 29, 2022
- 5 min
Corporate Insurance Opportunities in the Development/Growth Phase of the Business Cycle
In the previous article (published Aug 15, 2022) we covered the importance of getting to know your business owner prospects desires,...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
- Aug 23, 2022
- 5 min
Business Insurance Planning: Asking the Right Questions and Spotting the Opportunities
There are many situations where life insurance can support the needs of a business following an individual’s death. To do the best job...
Scott Edgington
- Aug 5, 2022
- 2 min
Five Summer To-Do’s
Here are five great reasons for you to contact your clients: With all this market volatility, it is a great time to rebalance portfolios...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
- Jul 22, 2022
- 5 min
Life Insurance Shares: What are they? And When to use them?
In recent years corporate owned life insurance has become an important planning tool in meeting the estate planning objectives and goals...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
- Jun 15, 2022
- 5 min
Universal Life vs Whole Life: Should we consider CSV when comparing Net Estate Values?
Recently, while working on a corporate permanent life insurance case with an advisor, whereby we were comparing the net estate values...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
- May 17, 2022
- 5 min
Corporate Owned or Personally Owned Life Insurance: Which is best?
Of all the questions I’ve fielded in my almost 30 years in the industry, I must say, this one comes out on top. Like everything else,...
Tony Gallippi, B.A.S (Hons.), CFP, CLU
- Apr 18, 2022
- 4 min
Corporate Borrowing vs. Personal Borrowing - Which is best? Part 2
Part 2: Six Factors to Consider In this segment, we will move beyond simply looking at the option that produces the highest after-tax...
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