How Much Life Insurance Do I Need? A Canadian Guide for Every Stage of Life One of the first questions people ask when shopping for life insurance is, “How much coverage do I actually need?” The answer isn’t the same for everyone. A 30-year-old with a young family has very different financial responsibilities than a [...]
RBC A670 vs. A707GIO: Choosing Between Higher Coverage and More Certainty With RBC, you may have a choice When you already have Group Long-Term Disability coverage, RBC may allow us to structure your individual disability insurance in one of two ways. This choice usually becomes relevant when you have Group LTD coverage and your income [...]
What Is a Capital Dividend Account (CDA)? A Guide for Canadian Business Owners Many incorporated business owners have heard the term Capital Dividend Account (CDA), but few fully understand how valuable it can be. In fact, the Capital Dividend Account is one of the most powerful tax-planning tools available to Canadian-controlled private corporations (CCPCs), allowing [...]
Life Insurance for High-Income Canadians: 10 Strategies to Protect and Preserve Wealth For many Canadians, life insurance is simply a way to protect a spouse or children if the unexpected happens. However, for high-income earners, incorporated professionals, executives, physicians, dentists, lawyers, and business owners, life insurance serves a much broader purpose. At higher income levels, [...]
Top 50 Frequently Asked Questions About Life Insurance in Canada (2026 Guide) Life insurance is one of the most important financial tools available to Canadians, yet it remains one of the most misunderstood. Whether you’re purchasing your first policy, reviewing existing coverage, or planning your estate, you probably have questions. This guide answers the 50 [...]
Top 25 Frequently Asked Questions About Whole Life Insurance in Canada Have questions about Whole Life Insurance? Here are the answers to the 25 most frequently asked questions Canadians have about Whole Life Insurance, cash value, dividends, estate planning, taxation, and more. Whole Life Insurance is one of the most misunderstood financial products available in [...]
The #1 Life Insurance Discussion Canadians Are Having Right Now: Term vs. Whole Life Insurance If there’s one topic dominating life insurance conversations across Canada right now, it’s this: Should you buy term life insurance or whole life insurance? From Reddit discussions to major financial institutions like RBC Insurance, BMO Insurance, and TD Insurance, Canadians [...]
Health Buys Insurance... right? I like telling people what they want to hear. In my world, that usually means being able to say: “You’re covered.” That if something happens, there is a plan in place. That their family will be financially secure. That they don’t need to worry about what comes next. People want to [...]
The Hidden Gap in Group Disability Insurance That Most High-Income Professionals Miss Most professionals assume they’re well covered through their workplace disability insurance plan. In reality, that’s often not the case. In fact, I often refer to this as “reverse discrimination” in disability insurance. Someone earning $60,000 may be covered for ~85% of their [...]
Most Canadians Don’t Realize This Type of Financial Advisor Exists When most people think about financial advice, they picture: Their bank An investment advisor Or someone recommending products What many don’t realize is that there’s another option entirely: fee-only financial planning. What Is a Fee-Only Financial Planner? A fee-only financial planner is paid directly [...]
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