Planning
By: Robert Lawrence The life settlement industry was propelled into popularity by the viatical settlement industry. History has shown us that the early adopters of life settlement were those who were suffering from AIDS and who had only a couple of years to live. They sold their insurance policies assuming they would get immediate cash…
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By Helen Burnett-Nichols, BrighterLife.ca Your home is likely the biggest asset you’ll ever own. And if you’re one of the majority of Canadian homeowners who have a mortgage, you need to ensure your home is protected should something happen to you. The question is what’s the best way to do this? Canadians held $855 billion…
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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…
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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…
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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…
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