分红人寿保险具有以下几大特点： 首先，它是人寿保险。 在您身故后，您的家人、企业或慈善机构将获发赔偿金(身故赔偿金)。 它为您提供终生保障。不论您购买的寿险保额多少，都保证在您终生持续有效，而且无论您处于哪个年龄阶段，获保证保额所需的保费都不会提高。 它可助您累积财富。随着时间推移，您的寿险保单会建立现金值。您获保证可在有生之年运用这些资金，以作多种用途。 它享有税务优惠。您的保单现金值在保单内免税增长(不超过政府规定的限额)。在您身故后，您指定的个人或机构将免税获得赔偿金。 它能为您带来潜在的红利。您可从许多方式中选择一种来使用红利。您可以增购保额(可能提高现金值)，降低(或停止)保费供款，或可以将红利兑现。 它提供灵活性。我们明白每个人的情况都不一样。因此，分红人寿保险为您提供多种选择，让您根据自己的需要量身定制方案。 它可用作贷款。您可以利用保单的现金值作为抵押，借取带有利息的贷款，并在日后偿还。 它可助您保障挚爱。您可以为自己或其他人购买分红人寿保险。
您購買分紅人壽保險，是為摯愛親人或慈善機構，在您身故後提供保障。 這種保障具有眾多重要的特點，例如保單的保證現金值，就讓您在有生之年可以靈活運用。 您可能長時期都用不著這些賠償或特點。但重點是在您有需要時，它們可以隨時發揮作用— 例如您可以運用保單現金值來應急或把握一些機會。 您需要保單的現金值維持穩定，並有所增長，而波動性也要低於股票投資。
Canada Life™ 可助您一臂之力。 以下是Canada Life 分紅人壽保險其中一些有助於保單穩定性和增長的特點： 1. 獲保證的賠償金、保費繳付和現金值 2. 下跌風險保障 3. 深思熟慮制定的資產組合 4. 回報平穩化
遺產規劃是把自己的一切事宜安排妥當，從而在您身故後，財產得以保存，並按照您的意願分配。 遺產規劃並非在您身故後由他人宣讀的文件。它是在目前為您提供協助的一個過程。 如果做得妥當，它可助您和家人對未來更有信心。
我應該何時進行遺產規劃？ 現在可能是好時機。 因為： •您已經有財產。如果您擁有任何積蓄、人壽保險、投資、房地產或其他資產，您就是擁有財產。您的遺產包括您擁有的一切，無論是財務資產和非財務資產。 •假如您身故，而沒有遺產計劃，您的遺產未必得以妥善保存並按照您的意願分配。此外，假如您等到最後一刻，例如旅遊或手術前 才制定遺產計劃，有可能因時間緊迫而要倉促作出決定。 因此，事不宜遲，立刻行動。 其實遺產規劃並不繁複。您也不是孤立無援，您的顧問、律師、 公證人、稅務顧問或會計師都能助您制定計劃。
如果您不做任何規劃，就應該訂立遺囑 您的遺囑是在您身故後按照您意願分配遺產的法律文件，具有約束力。它僅是遺產規劃的一部份，但卻是最重要的部份。 如果您身故而並沒有立遺囑，您的遺產將會根據適用於該省的法例來分配。這些法例未必與您的意願相符，也可能隨時修改和變動。因此，書面訂立遺囑，清晰表明您的意願非常重要。
Learn to how your investments can help build a positive, more sustainable future.
Description: This animated video introduces a character named Krista, her partner and her advisor with illustrated graphics to explain responsible investing.
Text: Ask an advisor: What is responsible investing?
Description: An illustration of the world with leaves draws into the frame.
Krista: My partner and I just adopted our first baby. We want to start saving for her future, while also investing in a better world for her to live in.
Description: Krista holds her newborn baby while talking on the phone in her living room. Her partner comforts her.
Advisor: Responsible investing is a way to make the world a better place while also helping you reach your financial goals.
Description: Cut to the advisor sitting in her office, talking through a headset. A laptop sits in front of her.
Advisor: It’s a way to invest in companies that show they care about society, the environment and their employees with the way they do business.
Description: Illustrations animate into frame: a skyscraper to represent companies, a group of people for society, a wind turbine for the environment and two people talking for employees.
Advisor: It also limits investing in companies with damaging or unsustainable business practices.
Description: The camera pans to eight pie graphs with investment graphics. The unsustainable investments get smaller.
Krista: But will I have to sacrifice performance?
Description: Cut to Krista on the phone.
Advisor: Most people don’t realize these investments perform just as well or better than traditional ones.
Description: Two line graphs appear, each labelled “Traditional” and “Responsible,” showing the same investment growth over time.
Advisor: If you believe in more sustainable products and businesses,
Description: The line from the “Responsible” graph continues and draws a world illustration into the frame.
Advisor: responsible investing could be for you.
Description: Cut to the advisor in her office.
Advisor: Let’s talk about how responsible investing can fit in your financial plan.
Description: The frame splits in half and Krista appears on the phone. She smiles.
Text “Let’s talk. Contact me today.” appears onscreen with a legal line: “Video produced by Canada Life. canadalife.com 1-204-946-1190”
Find out how group benefits plan can help retain staff, improve morale and productivity, and keep your employees healthy and at work.
Description: This animated video introduces a character named Greg and his advisor with illustrated graphics to show how benefits can help a small business owner.
Text: Ask an advisor: Should I get benefits for my small business?
Description: An illustration of a storefront draws into the frame.
Greg: My employees have been asking for workplace benefits. Are they right for my business?
Description: Greg stands behind a counter of baked goods while talking on the phone. An employee carrying empty coffee cups on a tray walks into frame.
Advisor: I'm in the neighborhood. I’ll stop by.
Description: Cut to a close-up shot of Greg.
Advisor: In today’s competitive job market, group benefits can be a great way to invest in your company’s health.
Description: The advisor sits on a stool at a high table with her laptop. Greg serves her tea.
Advisor: They can help you attract and retain staff
Description: The camera zooms out to show Greg in a circle. Two more circles appear with Greg’s employees inside each.
Advisor: Improve morale and productivity
Description: The camera zooms into one of the employees. Text “Morale” and “Productivity” appear, each with an indicator showing a high rating.
Advisor: And keep your employees healthy at work.
Description: The camera zooms out of the employee to show them safely carrying a large box.
Advisor: There are plans available for companies as small as two people.
Description: Cut to Greg and the advisor talking in the café.
Advisor: You can start with basic benefits such as prescription drugs, dentalcare, disability, life, critical illness and accident insurance.
Description: Illustrations animate into the frame to represent each benefit.
Advisor: Then as your business grows, you can add a retirement and savings plan.
Description: Two illustrations appear : a Muskoka chair for retirement and a piggy bank for savings.
Greg: But can I afford it?
Description: Cut to a medium shot of Greg.
Advisor: Adding workplace benefits can be less expensive than pay raises. When you raise pay, you also increase your contributions to public pension plans, employment insurance and worker’s compensation. With benefits, you don’t have to. You just make the monthly payments.
Description: Three illustrations of the benefits return. A list appears, titled “No increases in:” with “Employer contributions under Canada and Quebec pension plans,” “Employment insurance” and “Worker’s compensation” in a column.
Advisor: And our apps and online services can make administering your plan easy and secure.
Description: Cut to the advisor with her laptop turned towards Greg. The My Canada Life at Work dashboard is displayed.
Advisor: Let’s talk about creating a group benefits plan that works for you, your employees and your business.
Description: The camera zooms out to show Greg and the advisor.
Text “Let’s talk. Contact me today.” appears onscreen with the Canada Life logo and legal line: “Canada Life and design are trademarks of The Canada Life Assurance Company. canadalife.com 1-204-946-1190.”
Don’t let inflation and a recession derail your retirement savings plan. I can help you adjust your financial plan to keep you on track.
Description: This animated video introduces a character named Nora and her advisor with illustrated graphics to explain the importance of continuing to contribute to your RRSP.
Text: Ask an advisor: How does inflation affect my retirement savings?
Description: Nora sits at a table across from her advisor.
Nora: My grocery bill is going through the roof. Rising costs are really squeezing my budget. I’m not sure I can afford to continue contributing to my RRSP and I’m worried about how a possible recession could impact my investments.
Advisor: I understand your concerns.
Description: Fade to a hand holding a coin, then placing it on a slope. The coin begins rolling downhill, then uphill, then downhill again.
Advisor: However, not contributing to your registered retirement savings plan, even for a short time, can really affect whether you reach your saving goals. And that can affect your retirement income and lifestyle.
Description: Coin rolls into a graph on a upward slope that shows how your investments and interest dramatically increases over 25+ years of contributing.
Advisor: That’s because what you invest now will grow over time through compound interest.
Description: The coin rolls through the graph again on a less dramatic slope.
Advisor: The less you save now, the less interest you’ll earn over time, which means less money when you retire.
Description: Nora speaks at the table.
Nora: What would you recommend then?
Description: Transition to three illustrations with a word above each one – mortgage, retirement and travel. Advisor’s finger enters frame and touches the illustrations. A risk tolerance slider appears below each graphic and moves between low and high.
Advisor: To start, I can help you create a budget and if necessary, revisit your savings goals and risk tolerance.
Description: The words “on track” appear below each graphic and risk slider.
Advisor: That way, you’ll keep your retirement savings goals on-track and find opportunities to grow your investments as the economy improves.
Description: Transition to a circle graph with the heading RRSP and $300 per month. A finger enters the frame and adjusts the graph to $150 per month.
Advisor: If you’re still feeling a spending pinch, you could consider just reducing the amount you’re saving for retirement, rather than stopping completely.
Description: Transition to advisor at table talking with Nora.
Advisor: Let’s talk about ways you can stick to your retirement savings plan while managing rising costs and an uncertain economy.
Description: Text – Let’s talk. Contact me today appears onscreen with the Canada Life logo and legal line: “Canada Life and design are trademarks of The Canada Life Assurance Company. canadalife.com 1-888-252-1847."
Learn about how to withdraw money from an RESP for a post-secondary student.
Description: This animated video introduces an illustrated character Kim and her advisor to show how to withdraw money from an RESP for a child for post-secondary education.
Ask an advisor” appears. The camera zooms out as the text lands in an outlined square. “How do I withdraw money from an RESP?” fades in below. An illustration of a graduating student draws on the right side of the frame.
Kim: My oldest child will be ready to start post-secondary school soon.
Description: Kim talks on a cell phone in her living room while her son reads a book at a nearby table. Screen splits in half to include the advisor on the right half, sitting in an office.
Advisor: That’s great news!
Kim: How do we withdraw money from his registered education savings plan?
Description: Screen moves to full view of the advisor in her office.
Advisor: We’ll contact your RESP provider with proof that he’s enrolled in a qualified post-secondary educational program.
Description: Screen changes to circle with $5,000 in it. Above the circle, text that says 1 weeks starts to spin until it reads 13 weeks.
Advisor: Once you’ve done that, if he’s attending full time, the most you can withdraw is $5,000 during the first 13 weeks he’s enrolled.
Description: Text in circle changes to read $2,500. Above the circle, text changes to read part time.
Advisor: If he’s going part time that limit is $2,500.
Description: Text in circle changes to read Any amount. Above the circle, text changes to read After 13 weeks.
Advisor: After that, you can request withdrawals of any amount with no limit unless he takes a break from studies and doesn’t re-enrol within 12 months.
Description: A dollar sign in a circle appears on screen, then transitions to become one date on an illustration of a calendar. Screen transitions to Kim in her living room again.
Kim: What can we use the money for?
Description: Screen transitions to image opf Kim’s son in a school setting, then a bookstore, then an apartment.
Advisor: Tuition, textbooks, living expenses. Stuff like that.
Description: Screen transitions to Kim in her living room again.
Kim: And what if he decides not to go to post-secondary school?
Advisor: You have options, including moving the money that you put into the RESP to your registered retirement savings plan.
Description: Screen transitions to illustration of a piggybank with letters RESP under it, then money moving to another illustration of an easy chair with the letters RRSP under it.
Screen transitions to advisor in your office again.
Advisor: Once he’s firmed up his plans, let’s talk more about withdrawing the RESP money, including how those withdrawals will be taxed.
Description: Text that says “Let’s talk. Contact me today.” appears onscreen with the Canada Life logo and legal line: “Canada Life and design are trademarks of The Canada Life Assurance Company. canadalife.com 1-888-252-1847.”
Critical illness insurance can provide the coverage you need, when you need it most.
Description: Emily stands in her kitchen, talking on the phone with a friend.
Narrator: Critical illness insurance provides coverage when it counts.
Description: She quickly hangs up the phone, feeling a pain in her chest.
Narrator: If you’re ever diagnosed with a life-threatening illness covered by your policy.
Description: Cut to Emily in a hospital bed. A doctor stands beside the bed holding a clipboard.
Narrator: Critical illness insurance can help you focus on you and your family.
Description: Cut to her at home, lying on the couch, covered in a blanket. Her son sits on the end of the couch while her husband brings a tea.
Narrator: It’s a one-time tax-free payment you can use however you want.
Description: Her hands enter the frame. She opens a letter to reveal a cheque from Canada Life.
Narrator: And that includes covering costs your healthcare plan doesn’t.
Description: A shield is drawn around a plus sign, representing healthcare.
Narrator: It’s money to help.
Description: Cut to Emily holding her phone.
Narrator: Pay the bills.
Description: She uses online banking to make a bill payment.
Narrator: Protect your retirement savings.
Description: Cut to Emily and her husband smiling, vacationing on the beach.
Narrator: And cover expensive drugs or alternate treatments.
Description: Cut to her in the kitchen, holding a pill bottle and receipt.
Narrator: It can also give you access to expert medical help.
Description: She sits at her desk with her laptop open, video conferencing with a specialist.
Narrator: And if you never need to make a claim.
Description: A shield is drawn to represent optional coverage.
Narrator: With the optional return-of-premium* benefit, you could get back some, or all of the money you paid for your coverage.
Description: A pile of money appears and becomes larger when "all of the money…” is mentioned. Legal line appears: *The Canada Revenue Agency (CRA) and Revenue Quebec have not provided a formal ruling regarding the tax treatment of return-of-premium benefits that are included in a critical illness policy. The tax treatment of an optional return-of-premium benefit is, therefore, subject to interpretation.
Narrator: Get the coverage you need, when it counts the most.
Description: Cut to Emily and her family sitting on the couch relaxing and drinking tea.
Narrator: Visit canadalife.com to learn more.
Description: Text “Visit canadalife.com to learn more.” appears with Canada Life logo and legal lines: Canada Life and design are trademarks of The Canada Life Assurance Company. canadalife.com 1-888-252-1847.
Did you know that contributing to an RRSP can lower your annual income tax? The tax benefits of an RRSP are better than you might think.
Narrator: You may have heard that RRSPs are taxable in retirement.
Description: The question “ Are RRSPs taxable in retirement? ” appears.
Narrator: That’s true!
Description: A thumbs up moves into frame.
Narrator: But think about this.
Description: Thumb moves out of frame. An egg in a nest appears.
Narrator: When you contribute to an RRSP,
Description: Coins fall into nest.
Narrator: you may pay less tax at the end of the year,
Description: A hand types on a calculator. A paper is printed from the calculator.
Narrator: Which helps you save money today.
Description: The paper becomes a calendar.
Narrator: Now let’s fast forward to the future.
Description: The calendar flips.
Narrator: Once you retire and withdrawal savings from your RRSP, your income will likely be less than it is today.
Description: A lake scene is revealed. A dock with muskoka chair and small table with lemonade moves into frame.
Narrator: That means your tax rates will be lower on those withdrawals –
Description: Camera pans to the left, coins bounce into frame and land on a piece of paper with a percentage.
Narrator: so you won’t pay as much tax as you might think.
Description: An arrow appears from below the paper and moves out of frame. The camera follows and the arrow lands. More coins fall beside.
Narrator: Learn more at canadalife.com.
Description: Frame fades to reveal “Learn more at canadalife.com” with Canada Life logo and legal line: Canada Life and design are trademarks of The Canada Life Assurance Company.
All investments have risk, just some more than others. Manage your exposure by diversifying your investments across different levels of risk within your plan.
Description: Braelynn walks into her kitchen with a bag full of groceries. She sets them down on the counter.
Narrator: What kind of investor are you? Adventurous. Cautious. In between.
Description: She opens her cupboard and places three types of hot sauce on the shelf: hot, mild then medium in between.
Narrator: These are just some ways to express your comfort with investment risk.
Description: Camera zooms in on sauces.
Narrator: All investments have risk, some more than others.
Description: Cut to Braelynn, she stands and thinks.
Narrator: One way to reduce risk is through diversification.
Description: “Diversification” appears onscreen.
Narrator: That means spreading your money around in various investments.
Description: Cut to three pie graphs with investment graphics, each display a meter underneath to indicate a “Lower” or “Higher” amount of risk. Each graph is set to a low or medium level of risk.
Narrator: That way, if the market changes for one investment, you have other investments to keep you balanced.
Description: The investment in the middle becomes smaller and the risk level increases. The other two investments adjust to a lower risk to accommodate.
Narrator: If you think diversifying your investments is complicated, it doesn’t have to be.
Description: Camera pans down to reveal a large question mark, investments fall behind.
Narrator: This is where an asset allocation fund comes in.
Description: A pie graph of an asset allocation fund appears. Investment graphics surround the graph.
Narrator: An asset allocation fund automatically spreads your money amongst several funds, so they help manage risk.
Description: A dollar sign appears in the middle of the asset allocation fund. All investment graphics flip to show dollar signs.
Narrator: You can choose from three different types of asset allocation funds.
Description: Cut to three squares with text in each: “Target date funds,” “Target risk funds” and “Risk-adjusted target date funds.” A cursor enters the frame and clicks on “Target date funds.”
Narrator: Target date funds are based on the year you expect to retire.
Description: A pie graph appears, labelled “Target date funds” with a counter below. The counter rolls to 2050.
Narrator: Target risk funds are based on your comfort with risk.
Description: Five pie graphs appear, labelled “Target risk funds.” A meter appears below to indicate a “Lower” or “Higher” amount of risk. The graphs are arranged from low to high risk: “Conservative,” “Moderate,” “Balanced,” “Advanced” and “Aggressive.”
Narrator: Risk-adjusted target date funds are based both on the year you want to retire and your comfort with risk.
Description: 2050 target date and aggressive target risk fund graphics are shown side-by-side. The label “Risk-adjusted target date funds” appears.
Narrator: Not sure how comfortable you are with risk?
Description: Cut to large question mark.
Narrator: Our investment personality questionnaire can help you figure that out.
Description: Cut to view of hands holding a tablet. The investment personality questionnaire is displayed.
Narrator: Now you can have a diversified investment portfolio that fits your needs and helps you reach your savings goals.
Description: Return to Braelynn in her kitchen, using the medium hot sauce to make dinner.
Narrator: Sign into GRS Access at canadalife.com
Description: Text “Sign into GRS Access at canadalife.com” appears with Canada Life logo and legal line: Canada Life and design are trademarks of The Canada Life Assurance Company. canadalife.com 1-800-724-3402.
Registered education savings plans (RESPs) offer an effective, tax-free way to maximize the money available to your children or grandchildren when they enrol in a full-time post-secondary program. Parents, grandparents, other family members and friends can open an RESP for a child. As the cost of post-secondary education continues to rise, it’s becoming even more important to start saving early for their future education.
With a tax-free savings account (TFSA), you don’t pay tax on any money earned or withdrawn. You can contribute to a TFSA at any time, and your unused contribution room is carried forward each year. Use these savings for education, a down payment on a home or other large expenses.
Registered retirement savings plans (RRSPs) are still one of the most popular ways to save for your retirement. Contributions are tax-deductible and taxes are deferred until you withdraw your money.
What would happen if you suffered a significant health event or died? Having life, critical illness or disability insurance can help you, or those you choose, to manage your expenses.
My Canada Life at Work Your health and dental benefits, claims and more.
Critical illness insurance allows you to focus on your recovery knowing you have the money to help with your expenses if you're diagnosed with a serious illness. You’ll get a one-time, tax-free payment you can use for whatever you need. Through your coverage, you can also connect with healthcare specialists.
Disability insurance works when you can’t. It can give you tax-free monthly income to help pay expenses if an illness or accident stops you from working. Not all disabilities are so easily recognized. Chronic pain or a mental health issue can also qualify as a disability.
Segregated funds invest in a variety of stocks and bonds. They’re different than mutual funds. They offer unique protection features that are only available through insurance companies. They’re a great way to save for your retirement and investment goals.
What will happen when you die? I’ll go through some important considerations with you – like the expenses involved, charitable giving and what you want for your family.
My account (segregated funds) Segregated funds polices, income annuities and lifetime income benefit.
Experience and expertise Sometimes, you need the advice of an expert. I have a team who can help:
Let’s get started today.
As Canadians, we’re fortunate to have public healthcare coverage – but that doesn’t mean your provincial healthcare plan provides all the coverage you need. Health and dental insurance can help pay for prescription drugs, dental, hospital, vision, paramedical and ambulance services. Coverage is similar to a group benefits plan that an employer may offer and is a great option if you’re retiring, self-employed or not eligible for group benefits.
Registered retirement savings plans (RRSPs) are still one of the most popular ways to save for your retirement. Contributions are tax deductible and taxes are deferred until you withdraw your money.
在 2020 年 1 月 1 日，我們將加衛人壽 Great-West Life、倫敦人壽 London Life 和加拿大人壽 Canada Life 的加拿大開放式分紅賬戶合併。 這份資料旨在提供 2023 年 1 月 1 日至 2023 年 12 月 31 日期間，有關合併後的加拿大人壽 開放式分紅賬戶的表現、實力和管理方面的 重要財務資料。這個開放式賬戶並不包括原屬於 New York Life、原屬於 Crown Life 和加拿大人壽 三家公司的封閉式業務保單。
2022 年，分红账户持续达到我们的目标，在各种市场环境中获得稳健、长线的表现。为了帮助我们实现将非固定收益资产占资产 组合比例达到 30% 的目标，2022 年分红账户在整个北美洲收购了另外 8 项物业。私募股权的承诺投资总额在年底提升至超过 21 亿 加元，仅 2022 年的承诺投资额便超过了 7.3 亿加元。在投资非固定收益资产时，我们运用了品质优先的投资方法，这在去年艰难的 市场环境中尤其明显，因为 2022 年我们持有的直接投资的房地产及积极主动管理的公开发行股权均超过了它们的基准。 我们不断调整分红账户在固定收益资产中的重点，以在不影响到品质的同时，获得强大回报的驱动力。作为此项努力的一部分， 2022 年我们开始投资一项新的固定收益资产类别，即英国本土的房屋反向抵押贷款，当年总计对其投资 2.59 亿加元。相比其他多家 主要竞争对手*，通过持有更多的今后五年到期的固定收益资产，加拿大人寿固定收益策略取得了独特的地位，并且在利息持续提高 的环境中获利。 *永明金融：《2021年数据报告》(Sun Life: 2021 Facts and Figures)，宏利人寿：《2021 年公开发行债券及私募固定收益资产报告》(Manulife: 2021 Public Bond and Private Fixed Income Asset Reports)以及恒信人寿：《理解分红型终身人寿保险》(Equitable Life: Understanding participating whole life) 得益于账户规模以及能接触到业界领先的资产经理，合理配置的分红账户将持续向未来几代的保单拥有人兑现承诺。
RRSP season is fast approaching. Here are four strategies to maximize your RRSP contributions...
Dollar cost averaging can simplify timing your investments...
Use your year-end bonus to give yourself the gifts everyone wants – and needs. Smart ways to invest your year-end bonus – in yourself. This article has three easy ideas to help you improve your financial plan...
Helping you understand what sets these two savings options apart...
Matching each saving option to your specific financial situation...
You know you can’t take your money with you when you die, but have you thought about what your legacy will be?...
A slowdown could be on the horizon for the U.S. Federal Reserve...
Charitable giving is good for you and good for your community – but can strategic charitable giving also be good for your financial plan?...
Key person insurance is insurance a company buys on the life or health of an owner or employee crucial to the company’s success...
Central banks take another shot at taming inflation...