Today's Best GIC Rates

February 17, 2017

arrow up1 Year2.04%
arrow up2 Year2.05%
arrow up3 Year2.08%
arrow up4 Year2.11%
arrow up5 Year2.22%
arrow upCashable1.30%

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Latest News

February 3, 2017 at 11:31 am | by Alex Preswick

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Thinking of Cancelling Your Life Insurance?

Thinking of Cancelling Your Life Insurance?

Have you found yourself wondering if you really need that life insurance policy you pay for every month? You are not alone. As time goes on we often forget the reasons behind purchasing the amount and type of coverage we did. For this reason it is advisable to have regular reviews to make sure you are adequately protected. Perhaps you are having trouble making ends meet and are looking to trim expenses. Maybe you simply don’t think you need it because the kids are getting older and your obligations to them have diminished. Some may feel that they have enough assets accumulated that insurance is no longer necessary and even a waste of money. Before you make the decision to cancel your life insurance policy, consider these compelling reasons to keep it.

January 3, 2017 at 11:51 am | by Alex Preswick

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Does your Business Qualify for the Small Business Gains Exemption?

Does your Business Qualify for the Small Business Gains Exemption?

As a business owner, you may be aware that when you dispose of shares in your business you could receive an exemption on all or a portion of the capital gains that ordinarily would be taxable. This is due to the Lifetime Capital Gains Exemption which says that, for 2016, up to $824,176* of capital gains is exempt from taxation. The Lifetime Capital Gains Exemption (LCGE) is available to individuals who are disposing of or deemed to have disposed of: 1. Qualified Small Business Corporation (QSBC) shares; 2. Qualified farm property; or 3. Qualified fishing property **.

December 5, 2016 at 11:37 am | by Alex Preswick

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Do You Need Individual Life Insurance?

Boomer + Sandwich Generation + Club Sandwich + Boomerang = Financial Instability

Canadians may need to rethink their risk management

In a recent study conducted by the Life Insurance and Market Research Association (LIMRA), it was reported that 61% of Canadians hold some form of life insurance. Surprisingly, it also revealed that only 38% of Canadians own an individual life insurance contract. In another study of middle class Canadians, Manulife reported that 79% had no individual disability insurance and 87% had no individual critical illness coverage. What both of these studies conclude is that most Canadians rely heavily on their group benefits for their family’s insurance protection.

Boomer + Sandwich Generation + Club Sandwich + Boomerang = Financial Instability

The Sandwich Generation was a term coined by Dorothy Miller in 1981 to describe adult children who were “sandwiched” between their aging parents and their own maturing children. There is even a term for those of us who are in our 50’s or 60’s with elderly parents, adult children and grandchildren – the Club Sandwich. More recently, the Boomerang Generation (the estimated 29% of adults ranging in ages 25 to 34, who live with their parents), are adding to the financial pressures as Boomers head into retirement. It is estimated that by 2026, 1 in 5 Canadians will be older than 65. This means fewer adults to both fund and provide for elder care. Today, it is likely that the average married couple will have more living parents than they do children.

October 5, 2016 at 11:17 am | by Alex Preswick

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The Single Premium Insured Annuity

The Single Premium Insured Annuity

Available until January 1, 2017 - A New Approach

A new method of structuring an insured annuity has restored its favourable results. The new approach involves combining the prescribed annuity with a Universal Life policy. • The UL policy is funded with a single deposit to provide lifetime coverage. • The remaining capital is then used to purchase the prescribed life annuity. • On the death of the insured/annuitant, the annuity income ceases • The Universal Life policy now returns the full amount of the capital to the intended beneficiaries.