Cash Values & Life Insurance Mar 3rd

There are more insurance options in Canada than you can shake a stick at! Stay on top of the best policies right here.
Latest News

Can you gain entry to your formerly shared home after a separation? May 7th

Q. I have somewhat of a complicated situation regarding my separation and the separation agreement, so I’ll try my best to give you as much information as possible: February 2004: Partner and I started living together. He had just purchased a townhouse with financial assistance from his mother. I.... More »
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Common Life Insurance Mistakes to Avoid Mar 27th

Shopping for a life insurance plan that fits your particular situation can be a daunting task. There are many companies that offer life insurance and each company has pros and cons. There are also different types of life plans with many different options. In addition, mistakes can be made when enrol.... More »
 life insurance

Planning to buy your first home? Be ready to jump in when the post-pandemic market picks up Apr 17th

Closing costs, such as land transfer tax, lawyer fees and title insurance, have to be paid on top of the down payment when you take legal possession of your new home, and they add up fast..... More »
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How Much Life Insurance is Enough? + MORE Mar 11th

A commonly asked question regarding life insurance is “how much life insurance is enough?” Simply put: the amount of coverage needed depends on the amount of debt and income loss the plan has to cover. This is determined by the total assets that can be allocated subtracted from the amoun.... More »

Cash Values & Life Insurance


Cash Values & Life InsuranceIn a world of way too much tax there still a tax strategy that Canadians should take advantage of.
This strategy is to decrease your tax burden, and the tactic is purchasing a life insurance policy that allows for tax-deferred growth.

The Concept
Many insurance companies have life insurance contracts that can be used as both a tax advantage and an investment tool.
The basic concept is to pay as much money for the least amount of insurance. This is not to say that the insurance portion is overpriced, but rather the over funding goes into a separate account inside the policy and all of the growth is tax-deferred.
This type of policy can be very advantageous to the owner. RRSPs allow for a limited amount of saving and if you want to save more money you get no further tax advantage.
Retiring & Finances
Most Canadians approaching retirement have worries about having enough money. They have worked hard for many years, hoping to retire to a lifestyle of traveling, entertaining and living well…

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