Critical illness with ROP shared ownership agreement

• A sample shared ownership agreement for a critical illness policy with return of premium on death

Estate planning for farmers and fishers

• When a farmer or fisher either sells their business during their lifetime or transfers it on death, there are specific rules that may help reduce or defer their tax liability
• These rules include the use of the lifetime capital gains exemption of $1,000,000 on the disposition of "qualified farm or fishing property" and a tax-deferred rollover of farm or fishing property to a spouse or children on death

Financing dreams with Equitable Bank CSV Line of Credit

• More options for clients to access funds using their participating policy cash value
• We've partnered with Equitable Bank to bring eligible advisors a new program to help clients finance their future goals and dreams
• The Equitable Bank CSV Line of Credit offers eligible clients up to 90 per cent of the cash surrender value in their participating life insurance policy