by Frank Restorick | Aug 4, 2026 | Life Insurance
No medical life insurance lets you get covered without a physician exam, a blood draw, or a urine sample. If you need coverage fast, have a health condition that complicates traditional underwriting, or simply want to skip the waiting room, a no-exam policy is worth a...
by Frank Restorick | Aug 3, 2026 | Life Insurance
For most buyers, term life insurance is the better starting point. It costs far less, covers the years when your financial obligations are heaviest, and leaves room to invest the premium difference. Whole life earns its place in specific situations — estate planning,...
by Frank Restorick | Aug 2, 2026 | Life Insurance
An RRSP meltdown strategy deliberately withdraws RRSP funds during low-income years so you pay lower marginal tax now and reduce future RRIF minimums, OAS clawback risk, and the terminal tax hit your estate faces at death. If you’re retiring before CPP and OAS begin,...
by Frank Restorick | Aug 1, 2026 | Life Insurance
The RRSP contribution deadline for the 2025 tax year is March 2, 2026. Contribute by that date and the amount reduces your 2025 taxable income. Miss it by a single day and the contribution still counts, but it applies to 2026 instead. What a contribution by March 2,...
by Frank Restorick | Jul 31, 2026 | Life Insurance
Ontario small-business owners have access to three distinct benefit buckets: provincial tax relief through the Ontario small business deduction for Canadian-controlled private corporations, government advisory and grant programs through Small Business Enterprise...