Living Benefits

Premium Advice — Using product allocation to your client’s long-term advantage

Since the introduction of the guaranteed minimum withdrawal benefit (GMWB) and the increase in popularity of structured products with forms of capital guarantee, along with numerous investment writers’ espousing the virtues of proper management of diversified portfolios, the idea of product allocation has taken on a momentum all its own. One common theme you’ll hear […]

By Chris Paterson |September 8, 2008

4 min read

Premium Advice — Back-to-school protection planning for students

It’s that time of year again: back-to-school shopping and saying goodbye to the kids as they head to university or college. For advisors, the new school year means helping families plan for their children’s financial future. RESPs always provide a sound foundation thanks to government grants like the Canada Education Savings Grant (CESG), but they […]

By Chris Paterson |August 20, 2008

4 min read

Living Benefits 1

Somethin’ filled up my heart with nothin’, someone told me not to cry. But now that I’m older, my heart’s colder, and I can see that it’s a lie. Children wake up, hold your mistake up, before they turn the summer into dust. If the children don’t grow up, our bodies get bigger but our […]

By Ricardo Santos |July 21, 2008

1 min read

Premium Advice — Insurance and your summer home

Now that school’s out and summer is here, many of your clients are likely planning to spend time at the cottage. Most aren’t thinking about how to use insurance to protect their idyllic home away from home — and if they are, it’s usually related to protecting the asset in case of a casualty, fire […]

By Chris Paterson |July 4, 2008

4 min read