2007 extras

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• 2007 crop of segregated funds: special features

  TheInsurance Journal invited the companies that participate in our segregated fund guarantee comparison table to supply additional information that might interest advisors. Here are the highlights of the information submitted. Canada Life At Canada Life, all investment contracts in segregated funds are available through the Fundserv transaction system. This year, […]

• Empire Life restructures its individual insurance distribution model

  Moving from west to east across the country, here are the changes taking place atEmpire Life: Western Canada: Ron Pugsley , BA, CFP, CLU, CH.F.C., RHU, EPC , has joined Empire Life as regional vice-president, Western Canada. Mr. Pugsley is no stranger to this role, as he has been both regional […]

• Manulife Bank illustration comparison of a leveraged investing strategy

  Manulife Bank illustration comparison of a leveraged investing strategy (http://s15246738 NULL.onlinehome-server NULL.com/wp-content/uploads/Manulife-Bank-illustration-comparison-of-a-leveraged-investing-strategy NULL.pdf)

• The leverage loan: a calculated risk when used conservatively

  For many hesitant advisors, a leveraged loan is simply one more risk that increases their liability insurance premiums for errors and omissions (E&O). However, specialists believe that a conservative approach will keep lawsuits at bay. Talbot Stevens , a leading expert in the field, uses the term conservative leverage when […]

• Banking services to advisors: More than just your conventional loans

  Our very first comparative study on leverage loans to advisors has revealed an unexpected treasure trove of products and services that go beyond simple conventional investment loans. In addition to regular RRSP loans, the Bank of Montreal also offers Retro-Activator RRSP Loans, which it describes as instalment loans with retroactive […]

• Big bucks for big books

  Three times renewal commissions: this formula for setting the sale price of a book of financial services business has become a popular yardstick. In fact, assets under management (or premiums in force for a life insurance book) are becoming the gold standard for precision valuation of a financial products clientele. […]

• Socially Responsible Investment Funds in Canada

  Mutual funds and Labour-Sponsored Funds using social and environmental criteria to select investments. Performance information to December 31, 2006 (http://s15246738 NULL.onlinehome-server NULL.com/wp-content/uploads/Mutual-funds-and-Labour-Sponsored-Funds-using-social-and-environmental-criteria-to-select-investments NULL.-Performance-information-to-December-31-20061 NULL.pdf)

• The guidelines that changed the face of retirement plans in Canada

  Implemented by the Joint Forum of Financial Market Regulators on Dec. 31, 2005, the capital accumulation plan guidelines aim to clarify the expectations of regulatory bodies. And while these guidelines are not compulsory, the industry has nonetheless adopted them in order to preserve its credibility in the aftermath of the […]