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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…
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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…
Read MoreBy 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…
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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…
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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.
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Source: Manulife Financial
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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…
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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…
Read MoreBuilding Wealth Through Investing – Six Principles to Investment Success & Four Ways to Minimize Tax
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…
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