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...
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...