The new Liberal government announced changes in their budget in March, 2017 that affect your personal finances. PDF Version
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by ALLISON BARTON Empire Life Insuring with Care Blog There is no question that confusion exists when it comes to the topic of life insurance, and where there is confusion, mistakes can happen. So, to help you learn from other’s experiences, here are some common life insurance mistakes to avoid before, during and after you make […]
Just as you would spruce yourself up for a family photo, these tips can help make the picture you present to the underwriter the best possible. Get a good night’s rest before the exam Do not do any heavy exercise 24 hours before the exam Do not consume any form of alcohol for at least 48 […]
Shared Ownership refers to a concept where more than one party owns an interest in an insurance policy. The most common of these arrangements is with cash value life insurance where one party (usually a corporation), owns and is beneficiary of the life insurance and an individual (shareholder or employee) owns the cash value of […]
By Kevin Press, BrighterLife.ca More than half of Canadians 50 and older report that their retirement plan has been upset by an unforeseen event. Often, it’s a health matter. New research sponsored by the Ontario Securities Commission (OSC) confirms a key retirement planning insight we’ve reported to you in the past. In a survey of […]
By BrighterLife.ca You may think divorce cuts the ties that bind, but if child or spousal support is involved, you’re financially united for richer and for poorer. While most divorcing couples focus on splitting assets and hammering out support payments, too many neglect one major post-divorce reality: insurance. Whether you’re relying on or are responsible […]
RESPs are a smart investment for individuals who are planning on going back to school, or can even be used as an income splitting tool.
Source: Manulife Financial
By Dave Dineen, BrighterLife.ca There are some important issues to consider when deciding the right time to retire — and they’ll have an impact on more than your wallet. I’m 57 and I’ve been retired three years. Most people I talk to assume that I’m lucky, lazy, rich or ill. (Disclosure: I’m lucky, but not […]
By Kevin Press, BrighterLife.ca I’ve been travelling a little bit over the last couple of weeks, presenting the findings of our 2013 Sun Life Canadian Unretirement™ Index. One section in particular — on our attitudes about debt and retirement planning — has triggered discussion. A couple of highlights: When asked to name their top financial […]
LIFE LEARNING: This information will help you understand your investment options, the risk factors, and methods to reduce investment risk. Building wealth through investing is a vital part of any financial plan but can often be one of the most confusing and emotionally challenging experiences you will encounter. Many marketers promise “get rich quick” stock suggestions or sure- fire […]
LIFE LEARNING: This information will help you understand and determine what protection you need today, while keeping in mind what may be important tomorrow. Depending on an individual’s needs, desires and health condition, there are many types of insurance available. These include life insurance, income replacement, critical illness insurance and long term care insurance. Life Insurance Temporary Coverage “Temporary” life and health insurance is a […]
BY David Wm. Brown Many people spend countless hours worrying about debts, mortgages and, should they die, the ability of their dependents to generate income. With enough money, you can set aside these worries, confident in what you’ve built. However, wealth brings its own set of problems, among them large tax bills and uncertain asset […]
Life insurance is a major financial commitment. Just as you seek out expert advisors for other financial needs bankers, stockbrokers, and the like – your choice of a life insurance agent is a key decision. Your life insurance agent plays an important role in the financial planning process. He or she: Helps you assess […]