by Frank Restorick | Aug 18, 2026 | Life Insurance
For most incorporated Canadian business owners over 40 with stable T4 salary, an Individual Pension Plan (IPP) delivers more tax-sheltered retirement savings than an RRSP. RRSPs still win in two common situations: You’re under 35 to 40, where RRSP flexibility and...
by Frank Restorick | Aug 18, 2026 | Life Insurance
Most life insurance policies above a modest coverage amount require a paramedical exam, a short health screening the insurer pays for and schedules on your behalf. It’s not a doctor’s visit. It’s a 20 to 45 minute checkup, often at your kitchen table, that gives an...
by Frank Restorick | Aug 17, 2026 | Life Insurance
Participating life insurance is permanent life insurance that pairs a guaranteed death benefit with a share of the insurance company’s profits, paid out as annual dividends. Every dollar you put in builds two things at once: guarantees the insurer cannot walk back,...
by Frank Restorick | Aug 16, 2026 | Life Insurance
An estate bond in Canada is an insurance- or investment-backed estate-transfer strategy: a life insurance policy, segregated fund contract, or annuity structured to move wealth to your heirs with built-in privacy, probate, and liquidity advantages. The term is not a...
by Frank Restorick | Aug 15, 2026 | Life Insurance
A properly funded buy-sell agreement — using life and disability insurance as the core, layered with seller financing where needed — is the most reliable way to guarantee liquidity and an orderly ownership transfer when a triggering event hits. Your single next...