Self Employed – The Cost Advantage of Having a Health Insurance Plan

Cost Advantage of Having a Health Insurance Plan

As a Self Employed person, you have an added advantage when purchasing an Individual Health Insurance plan. Your premiums will be tax deductible as a business expense. And that means that you will save a huge amount on health and dentals bills. For Example: What it costs with No Health … Continue reading

…New Lifetime Capital Gains Exemption…… increase in the max amount……

$800,000 Capital Gains calculator

Part of doing an evaluation of life insurance needs is looking at your tax situation in the event of death. A big part of tax liability can be the result of owning shares in a privately held, incorporated business.  The business for which you worked hard, took risks and where … Continue reading

A.D.&D. (Accidental Death & Dismemberment) premiums are now a taxable benefit to employees

Morning Sky Beautiful Lake Ontario

Effective January 1, 2013: As a result of the March 2012 Federal budget, Group Accidental Death and Dismemberment benefit premiums are now a taxable benefit to employees, if the premium is paid by the employer. If you are an employer and pay 100% of the group premiums, or are paying the … Continue reading

Group Life Insurance – 3 things you need to know.

Woman Gazing over Beautiful Lake Ontario

It does not follow you wherever you go It normally reduces by 50% at age 65 At Age 70 – it probably terminates or is reduced to a nominal amount, such as $5000. In other words, it does not last forever.  And if you need life insurance to last until … Continue reading

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