The Corporate and Tax Pro
The strategy used to move "trapped" corporate surplus into a tax-free death benefit.
What is Corporate Estate Bonding? iA Financial Corporate Strategies
This IUL rider allows a client to access funds without "burning" the death benefit for LTC.
What is an Accelerated Death Benefit or Long-Term Care Rider? Equitable Life Riders
The tax that is triggered at death in Canada for non-registered assets (like a cottage).
What is Deemed Disposition? CRA Deemed Disposition Rules
The "Rule of 3" for building a base shop: 3 Directs, 3 Deep, and this.
What is 3 Wide?
This specific account (CDA) allows corporations to pay out tax-free dividends from life insurance.
What is the Capital Dividend Account?
The technical term for when a policy's cash value exceeds the "MTAR" or tax-exempt limit.
What is a MEC (Modified Endowment Contract) or an Over-funded Policy?
Why a Seg Fund’s "Reset" is superior to a Mutual Fund during a market peak like 2021.
What is Locking in the "High-Water Mark"? Equitable Life Pivotal Select Resets
The "Mental Toughness" concept of moving a teammate from "Employee Mindset" to "Owner."
What is Ownership Mentality? WFG Leadership Development
The tax-efficient way to fund a Buy-Sell agreement for two business partners.
What is Cross-Purchase Life Insurance? Manulife Buy-Sell Funding
Comparing "Standard Loans" vs. "Participating Loans" in an IUL—which is better in a high-rate environment?
What are Standard/Fixed Loans? (Crucial for 2026: when market returns are lower than loan rates, standard loans protect the client).
The "Waterfall" strategy: Moving money from a grandparent to a child, then a grandchild, tax-free.
What is an Intergenerational Wealth Transfer?
The specific BFS step that ensures a "Replacement Leader" is identified within 90 days.
What is Succession Planning?