A graduated tax imposed by the federal government (and most provincial governments) on transfers of assets over a certain amount.
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Gifting strategies are estate planning techniques that allow a donor to transfer assets to heirs during the donor’s lifetime with the intention of reducing federal and state estate taxes.
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The total value of all property in an estate before liabilities (i.e., debts and taxes) are deducted.
A disability insurance policy that covers a group of individuals who are affiliated in some way, either through an employer, trade association, or other organization. Group disability coverage is generally less expensive than individual disability coverage, however, benefits are limited … Continued
An insurance contract that covers a group of individuals who are affiliated in some way, either through an employer, trade association, or other organization.
An addition to an insurance policy that guarantees the insured can purchase more insurance at specified ages without providing proof of insurability.
A provision in an insurance contract that guarantees that the contract is renewable for the period stated in the contract provided that premiums are paid in a timely fashion. The insurer cannot make any changes in the provisions other than … Continued