Financial goals can go down the drain when someone is suddenly disabled, and it happens more often than your clients may realize
Veterinary costs for a sick or injured pet can put the bite on the household budget; pet insurance could help
Almost 70% of mergers and acquisition activity came from 12 mega deals totalling $33.9 billion
Provincial medical plans aren’t as encompassing as before, so clients may face problems abroad without coverage for their risk level
They cost more than mutual funds, but offer principal and creditor protection
Low-income clients aren’t affected, and high-income clients shouldn’t care
Economic and policy reforms and improved capital markets are bolstering hopes for full recovery in the Land of the Rising Sun
Policies offer straightforward life coverage with no surprises; the downside is they don’t accommodate unforeseen changes
Tax implications are an important part of a client’s decision in choosing a company health-care plan
Annuity strategy can lower capital gains for the estate or heirs, but it is complex and cannot easily be undone