Disability

Help your disabled clients

Budget 2012 meant several positive changes to the RDSP. These included relaxed withdrawal rules and removing roadblocks for disabled adults to access RDSPs.

By Staff |September 4, 2012

1 min read

Estate Planning

Tips for giving inheritances to disabled children

If a disabled client receives an inheritance, it can interfere with federal and provincial social assistance benefits. So you must do special planning to prevent any erosion of benefits, while allowing assets to build for the future.

By Carol Bezaire |July 5, 2012

4 min read

Estate Planning

Advisors must help clients plan their deaths

As our population ages, baby boomers—your clients—will be deciding on final steps for their parents, and soon enough for themselves.

By Melissa Shin |June 28, 2012

6 min read

Industry

Manitoba amends decision for new tax on life insurance

The Manitoba government has made the decision to amend Bill 39.

By Suzanne Sharma |June 15, 2012

1 min read

Are you accessible to clients?

Are you accessible? And, no, that doesn’t just mean having your BlackBerry on 24/7. Accessibility also means the extent to which your physical premises and your services are available to as many people as possible.

3 min read

Disability coverage

Clearing the DI sales hurdle Disability insurance isn’t the sexiest or most lucrative offering in an insurance advisor’s lineup. The policies have a lot of moving parts, clauses and conditions, a lot of clients are already insured and there are no large ticket sales if you’re selling to the average middle class client. But DI […]

By Staff |February 27, 2012

2 min read

Sid the Kid holds $20 million DI policy

Imagine being forced into early retirement due to bodily injury—at the age of 24. For most Canadians, this would be a nightmare scenario, as few have disability insurance at that age, let alone for a sufficient amount to last them the rest of their lives.

By Staff |February 8, 2012

2 min read

DI discussion checklist

Do your clients have adequate protection in the event they become ill and unable to work? If not, now may be the time to initiate a discussion with them about owning an individual disability insurance policy. Let them know where their coverage may be lacking if they are part of a group policy.

By Staff |November 23, 2011