by Denis Bugeja | Apr 1, 2025 | blog, Estate Planning, Family, individuals, Insurance, life insurance
You may have heard of estate freezes, but what are they, and should you consider one? An estate freeze is a tax-planning strategy that allows business owners to shift the future growth of their company to the next generation while capping their tax liability on a sale...
by Denis Bugeja | Mar 3, 2025 | blog, critical illness insurance, Family, individuals, Insurance, life insurance
Traditional life and critical illness insurance policies provide essential security for your loved ones. However, if health conditions have made obtaining coverage a challenge, there are now new options designed to ensure you’re not left without protection. Two...
by Denis Bugeja | Feb 5, 2025 | blog, critical illness insurance, Family, individuals, Insurance
Many parents start early when it comes to saving for their child’s education, but there’s one option that’s not as well-known: Children’s Critical Illness Insurance. It’s an often-overlooked product that can provide an extra layer of financial security, ensuring your...
by Denis Bugeja | Sep 2, 2024 | blog, Insurance, life insurance
Considering that the proceeds of a life insurance policy are received tax-free upon the death of the life insured, it is not surprising that the premiums for the policy are not tax deductible. There are two circumstances, however, where premiums would be deductible...
by Denis Bugeja | Jul 1, 2024 | blog, critical illness insurance, disability, Disability Insurance, Estate Planning, Family, Insurance, life insurance, long term care
The Sandwich Generation was a term coined by Dorothy Miller in 1981 to describe adult children who were “sandwiched” between their aging parents and their own maturing children. There is even a term for those of us who are in our 50’s or 60’s with elderly parents,...
by Denis Bugeja | Nov 1, 2023 | blog, Family, Insurance, life insurance
As a young family, you will be facing a lot of new challenges that you may or may not be prepared for along the way. Whether it’s children, a mortgage, or unexpected expenses that come up, now is the perfect time to start thinking about all the potential pitfalls that...
