Infinite Banking, Insured Retirement Plans, and Collateralized Life Insurance in Canada Explained
If you spend any time researching financial strategies online, you may come across terms like: These concepts often appear in discussions about using permanent life insurance as part of a broader financial strategy. In many cases, the terms are used interchangeably, which can make things confusing. While they share common elements, they are not identical […]
Buy–Sell Insurance Explained: Protecting Business Partners and Families
When people go into business together, they usually focus on growth, opportunity, and shared goals. Very few spend enough time planning for what happens if one partner can no longer continue due to death, disability, or an unexpected exit. Having insurance on key personnel is important, but it can be even more crucial for the […]
Key Person Insurance Explained: What It Is, When It Makes Sense, and Why Businesses Use It
Running a business always involves risk. Most owners consider market risk, staffing challenges, and cash flow — but one of the most overlooked risks is the impact on people. If your business relies heavily on one person, whether that’s an owner, partner, or key employee, the sudden loss of that individual could have a major […]
Insurance Basics Every Canadian Family Needs (Without the Confusion)
Life insurance, disability, critical illness — insurance can feel overwhelming. Here’s a clear, practical guide to insurance basics every Canadian family should understand.
Is it worth getting Critical Illness Insurance?
As with any insurance, the answer will change from person to person. Before we explore the need(s) of the client, we should get a better understanding of what this coverage does. As the average life expectancy in Canada and the United States continues to increase, insurance brokers are finding ways to make sure people can […]