by Frank Restorick | Jul 27, 2026 | Life Insurance
For self-employed Canadians, the best disability insurance is an individual long-term disability policy with an own-occupation definition — one that pays benefits when you can no longer perform the specific work you do, not just any work. Association group plans and...
by Frank Restorick | Jul 25, 2026 | Life Insurance
Canada has no formal estate tax, but death still triggers a substantial tax bill. Under the Income Tax Act, every Canadian is deemed to have sold all capital property at fair market value the moment they die. That deemed disposition can generate a capital gains tax...
by Frank Restorick | Jul 24, 2026 | Life Insurance
Canada’s best disability insurance providers for 2026 are Canada Life, RBC Insurance, Manulife, Desjardins, Edge Benefits, Humania, and Easy Insured Disability Insurance. Each provider targets a different buyer: Canada Life leads on rider depth, RBC serves working...
by Frank Restorick | Jul 23, 2026 | Life Insurance
How to avoid probate in Canada: your key options at a glance The most effective ways to avoid probate in Canada are joint ownership with right of survivorship, named beneficiary designations on registered accounts, living trusts, lifetime gifting, and multiple wills....
by Frank Restorick | Jul 22, 2026 | Life Insurance
Avoiding probate in British Columbia is straightforward when you use the right legal tools. Joint tenancy, named beneficiaries on registered accounts, inter vivos trusts, lifetime gifting, and multiple wills all transfer assets outside your estate, cutting both fees...
by Frank Restorick | Jul 21, 2026 | Life Insurance
Avoiding probate in Ontario comes down to a handful of legal tools used before death, not after, supported by specialized tax planning services focused on minimizing probate-related consequences. The most effective strategies are joint tenancy with right of...