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While tax exemptions that apply to some permanent life insurance policies will be tightened up next year, advisors insist insurance will remain a valuable tax-planning tool: "It's just going to be a new reality"

The perils of permanent life: part two

In the second part of a two-part video series, “The perils of permanent life,” Jim Ruta, president, AdvisorCraft Media and Consulting, continues his top 10 list of the perils clients may face if permanent insurance is sold the wrong way.

  • By: Jim Ruta
  • July 12, 2016 June 21, 2018
  • 09:30
The perils of permanent life: part one

In the first part of a two-part video series, “The perils of permanent life,” Jim Ruta, president, AdvisorCraft Media and Consulting, shares part one of his top 10 list of the perils of selling permanent life insurance the wrong way.

  • By: Jim Ruta
  • July 5, 2016 June 21, 2018
  • 09:25
Insurers experiencing big drop in sales this year

The features of permanent insurance may make it worth the higher cost

Consider cost and a client’s desire to be involved in the investment process when helping to choose a type of coverage

Although some clients may be put off by the cost of premiums, advisors can demonstrate the value of permanent coverage

Permanent policies are becoming more expensive and less tax-advantageous, but Canadians are still buying plenty of coverage

How your clients can benefit from permanent life insurance, and strategies for selling this type of coverage

  • By: Jim Ruta
  • March 7, 2016 July 31, 2018
  • 15:00

Many clients who are put off by the cost of permanent insurance still should review their insurance needs annually to assess whether or not they should be using a different approach to insurance. There are several to consider

The rules governing how much tax-free cash a client can hold in a permanent life policy are changing. But advisors who act now may be able to help their clients benefit from the existing rules for years to come