by Frank Restorick | Aug 14, 2026 | Life Insurance
For most Canadian parents, child life insurance is not a financial priority — but it can be genuinely useful in specific situations, particularly when guaranteed future insurability or long-term savings are the goal. If you decide child coverage makes sense: Start by...
by Frank Restorick | Aug 13, 2026 | Life Insurance
An estate freeze lets a Canadian business owner lock in today’s company value for tax purposes while shifting all future growth to heirs or a family trust. If your business is growing and you want to control when and how that growth gets taxed, an estate freeze is...
by Frank Restorick | Aug 12, 2026 | Life Insurance
Eligible first-time Canadian buyers can withdraw up to $60,000 from their RRSPs under the Home Buyers’ Plan (HBP) — and that withdrawal is completely tax-free, provided you repay it on schedule over 15 years. If you and your spouse or common-law partner each qualify,...
by Frank Restorick | Aug 11, 2026 | Life Insurance
A convertible term life policy lets you exchange your term coverage for a permanent policy, whole or universal life, without taking a new medical exam or proving insurability. That single feature is the whole point. Think of it as a built-in guarantee that your future...
by Frank Restorick | Aug 10, 2026 | Life Insurance
Own occupation disability insurance pays you benefits when you can no longer perform the material and substantial duties of your specific job before the disability began. For physicians, surgeons, dentists, and other high-earning specialists, it is generally the...