Insured Annuities

The insured annuity or “back-to-back” strategy is a popular concept to provide retirement income or to enhance the rate of return on the fixed-income portion of a portfolio. The basic strategy involves the purchase of an annuity to provide a lifetime stream of income, and a life insurance policy to replace the capital used to […]

Accounting for an Insurance Policy

Many times, a recommendation is made for life insurance to be owned within a corporate structure. If the company names itself as the beneficiary under the contract, the premium payments generally do not give rise to any taxable benefit to the shareholder(s). The primary advantage of corporate ownership is that it usually takes less pre-tax […]

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The Coming Canadian Debt Calamity?

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