tag:blogger.com,1999:blog-54847550058208923542012-02-16T03:18:26.360-08:00Your one stop shopping for Life Insurance,Mortgage Insurance Group and Individual Medical Insurance and Investment ProductsDenisehttp://www.blogger.com/profile/06907008054018569816noreply@blogger.comBlogger5125tag:blogger.com,1999:blog-5484755005820892354.post-68944522268788315792009-03-31T06:34:00.000-07:002009-03-31T06:36:05.907-07:00

Savings form the basis of all good financial planning. Every amount you save helps you reach your financial objectives—maintaining your current standard of living during your retirement, acquiring a financial cushion to meet contingencies, providing a good education to your children, or simply fulfilling your dreams and carrying out your favourite projects.With your objectives in mind, we offer

Denisehttp://www.blogger.com/profile/06907008054018569816noreply@blogger.comtag:blogger.com,1999:blog-5484755005820892354.post-82360801190046358242009-03-17T10:56:00.000-07:002009-03-19T06:50:23.496-07:00

Universal Life (UL) insurance has three key advantagesTax-deferred growth, potentially permanentlyTax-free retirement income through leveragingTax-free death benefitUnfortunately, most Canadians are unaware or sceptical. There's a widespread belief that it’s better to buy-term-and-invest-the-difference. Affluent Canadians take advantage of UL with the endorsement of their accountants.Buy Term and

Denisehttp://www.blogger.com/profile/06907008054018569816noreply@blogger.comtag:blogger.com,1999:blog-5484755005820892354.post-36860223599751892402009-03-17T10:54:00.000-07:002009-03-17T10:55:07.751-07:00

It's more suited to people with substantial assets, says columnist Ellen RosemanExcerpt from The Toronto StarEllen Roseman There are very few ways to avoid paying taxes in Canada. That's why many financial advisers like to recommend universal life insurance."A universal life policy allows tax-deferred growth," says Jack Snedden, a certified financial planner and chartered life underwriter. "With

Denisehttp://www.blogger.com/profile/06907008054018569816noreply@blogger.comtag:blogger.com,1999:blog-5484755005820892354.post-35683416456661190062009-03-17T10:33:00.000-07:002009-03-17T10:36:22.726-07:00

It provides some benefits that may be attractive to people in the affluent income group.Excerpt from the Toronto StarEllen Roseman In last week's column, we talked about the way mortgage lenders push you to buy life insurance to cover your loan. The lender's insurance, while convenient, offers less protection than what you would get with a life insurance policy sold separately.Here are the main

Denisehttp://www.blogger.com/profile/06907008054018569816noreply@blogger.comtag:blogger.com,1999:blog-5484755005820892354.post-62548923142137049692009-03-17T10:20:00.000-07:002009-03-20T06:36:44.210-07:00

Insurance attached to your home loan can be a poor deal. You're buying or have bought a house and taking out a big loan to pay for it. Now, the bank is asking whether you want life insurance.Reluctant to leave an unpaid debt when you die, you say yes. Within minutes, your application is approved and the cost is added to your mortgage payments.For lenders, life insurance is an easy sell. They

Denisehttp://www.blogger.com/profile/06907008054018569816noreply@blogger.com