by Frank Restorick | Aug 8, 2026 | Life Insurance
Mutual funds are the lower-cost default for most Canadian investors. Segregated funds cost more but add something mutual funds legally cannot: guaranteed minimum returns at maturity or death, creditor protection when a preferred beneficiary is named, and a probate...
by Frank Restorick | Aug 6, 2026 | Life Insurance
Key person insurance is a company-owned life or living-benefits policy that puts cash directly into your business if a critical employee or owner dies, suffers a serious illness, or becomes disabled. The company pays the premiums, the company is the beneficiary, and...
by Frank Restorick | Aug 5, 2026 | Life Insurance
When you need cash fast in Canada, the fastest viable routes are: your existing bank line of credit or emergency loan (same-day decision for established customers), same-day online personal or business loans, invoice factoring or merchant cash advances for businesses...
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,...