On December 1st, new rules are coming into effect regarding the calculation of pension commuted values.

Over the last 10 years of my career, I’ve been pegged as a PAR guy. As a result, most would assume that PAR would be my go-to solution...

This week we delve into the OAS Claw-back regime. It’s a confusing process that we hope an example will help explain. Obviously, many...

Here's a real-life case that we think you’ll find interesting. A client had purchased a segregated fund with $100,000 and 100% death...

Here is a situation to consider, a charitable 83-year-old lady wishes to give $500,000 to her favorite charity. If this lady is healthy,...

When meeting with our advisors and their clients, the word ‘cash flow’ has come up quite a few times since the beginning of the pandemic.

I first met Dr. Marius Barnard in the fall of 1998. I was a young Sales manager with Canada Life in Niagara and I saw him speak at...

There was a time when a healthy couple in their 60’s could buy a level cost of insurance (COI) UL policy for pennies on the dollar!

For advisors who focus on large case insurance opportunities, and for others who have come across a few in their career, you know these...

Remember the financial crisis of 2007-2008? Of course, we all do. Built on the assumption that property values can never go down, people...