Life

Do client policies pass the exempt test?

After an insurance policy’s 10th year, it must pass three tests to remain classified for protection, not investment, known collectively as the Exempt Test. Here’s how you can ensure your clients pass the test.

By David Wm. Brown |April 22, 2013

2 min read

Retirement planning for older parents

Women are more likely to have kids in their late 30s than they are in their early 20s. If clients delay parenthood, how does that impact planning?

By Melissa Shin |April 18, 2013

6 min read

Keep insurance returns tax-free

When clients buy insurance, the Income Tax Act classifies policies as meant for protection, not investment.

April 9, 2013

3 min read

Should clients drop 10/8s?

Canadian investors are being pushed to wrap up their 10/8s, but what are their options?

April 3, 2013

8 min read