Insurance Education
Educational articles about insurance and financial planning.
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Unlock the Value: How to Access the Cash in Your Life Insurance Policy
Your permanent life insurance policy isn't just a death benefit; it holds a valuable financial asset called the Cash Surrender Value (CSV).
The Canadian Farm Family’s Tax Advantage Guide
How Smart Tax Planning Can Save You Millions
Farm Succession Using Financial Projections and Tax Awareness
For many farm families, the hardest part of succession is not deciding who will run the farm, but deciding how to treat everyone fairly. Our team of CPA, CFA and advisors build farm and personal financial projections, to help answer some of your questions.
The Hidden Power of Life Insurance: Tax-Free Wealth Accumulation
Discover how life insurance can build tax-free wealth. Learn how permanent policies offer tax-sheltered growth, tax-free death benefits, and powerful advantages for business owners through corporate-owned strategies.
Strategic Funding: Understanding Leveraged Life Insurance
Leverage your life insurance to build wealth and preserve cash flow with a strategic financing approach. Discover how Leveraged Life Insurance from Unity combines protection, tax efficiency, and long-term financial growth.
Mortgage Life Insurance vs. Personal Life Insurance
You’ve just made one of the biggest financial decisions of your life: buying a new home. Protecting that investment—and the people who live in it—is crucial.
The Ins and Outs of Term Conversions
A term conversion is the process of changing your existing term 10 policy into a term 20 policy before it renews.
Why You Should Have Disability Insurance
The likelihood of experiencing a disability at some point in your career is higher than many realize. Having insurance prepares you for this possibility, ensuring that you and your business are protected.
Capital Dividend Account: Unlock Tax-Free Wealth with Corporate Life Insurance
For more than a century, life insurance policies in Canada have offered powerful tax advantages—and we want to make sure business owners are using them to their fullest.
Your Term Life Insurance is Expiring: What’s Next?
Term life insurance is designed to be affordable, flexible, and temporary — it protects you for a set period. But what should you do when that term is ending?
Tax Exemptions on Life Insurance For Canadian Emigrants
If you’re a Canadian and considering emigrating from Canada now or in the future, your life insurance policy
could be the most tax-efficient asset in your financial portfolio.
Premium Offset vs. Reduce Paid-Up: What’s the Difference?
We've found that many clients have questions about the differences between a Premium Offset and a Reduced Paid-Up policy. Both let you stop paying out-of-pocket premiums, but they work in different ways and lead to different outcomes.
What is Participating Life Insurance?
One of the oldest types of life insurance is Participating life insurance. This is a form of permanent insurance, providing lifelong coverage.