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...
by Frank Restorick | Aug 9, 2026 | Life Insurance
The TFSA contribution limit for 2026 is $7,000. Your actual available room, though, is almost certainly higher than that. The full formula: available room = $7,000 + unused room from prior years + withdrawals made in 2025 − contributions made so far in 2026. Get that...
by Frank Restorick | Aug 8, 2026 | Life Insurance
Corporate owned life insurance (COLI) is a policy where your corporation is the owner, premium payer, and beneficiary — not you personally. The insured is typically a key employee, business partner, or owner-operator. When that person dies, the death benefit flows to...
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...