Recent Articles

Why does it always feel like we are living in uncertain times? Today we are exposed to the slowing economy in China, or are we burdened with the conflict in the Middle East? Some believe that the …

The Big Squeeze!

“Everyone wants to live at the expense of the state. They forget that the state lives at the expense of everyone.” – Frederic Bastiat   By the time that you read this article, it is very likely …

Ron and Susan are arranging a mortgage and the banker asks if they’d like to include life insurance to pay it off on death. Sounds like a good idea, so they decide to take it. After filling …

I’ve got a riddle for you; what’s tasteless, has no sense of humour, is often black & white, but sometimes gray, and has no face? If you haven’t guessed it, it’s the Canada Revenue Agency (CRA). In …

You’re on a roller-coaster ride and you are climbing that huge crest. Each screeching chug upwards adds more excitement than the last. Full of wonderment, you think “Is this excitement ever going to end?” Just then you …

Starting in January 2017, the allowable cash value build up under tax rules in life insurance policies will change. The federal government introduced changes in December 2014 that are designed to modernize life insurance exempt testing rules …