Documents

Underwriting: Case preparation

These documents are here to facilitate your exchanges with our teams and optimize the underwriting experience.

Pre-qualification questionnaire Cover letter examples Cover letter content checklist

Implementation Guides

These technical documents are here to help you deepen your understanding of strategies and concepts, and prepare for their deployment.

Immediate financing arrangement (IFA) Wealth transfer guide

Reference documents

The documents below are made available to you to support you in developing strategies.

Transfer of ownership of a life insurance policy involving a corporation Capital dividend account Fair market value of a life insurance policy Shareholders' agreement in a nutshell Shareholder agreement: Life insurance, a valuable tool in the event of death Tax implications upon death in a nutshell Tax implications upon death Tax considerations for personal disability coverage Interest deductibility Estate freeze 2025 Federal budget Balance sheet strengthening Insurance as an asset class Fair market value of a life insurance in a nutshell Passive income Interest deductibility in a nutshell Taxation of segregated funds Segregated fund contract structure Taxation of corporate business income Taxation of life insurance Understanding canadian life insurance for US persons Post-mortem Estate Planning (under Common Law)

Chinese documents

涉及公司的人寿保 (Transfer of ownership of a life insurance policy involving a corporation Insurance as an asset class) 归于资产类别的保险 (Insurance as an asset class) 股东协议 (Shareholders' agreement in a nutshell) 承保说明函 (Cover letter content checklist) 承保说明函范本 (Cover letter examples)

Tools

Messages

The issue related to the new Excel update has been resolved (strikethrough values in PDFs).
Inclusion of the 2026 tax rates in all tools.
iA Large Case Tool:
- Improved calculation speed for IRS loans.
- Display of the maximum loan amounts for the different dividend scenarios of the iA PAR product (current, -1% and -2%).
- Ability to modify the age used in the Loan/Cash Value ratio calculation.
- New video tutorial.

iA Large case tool (Download and enable macros*)

This tool illustrates the following concepts:
- SOCII: Shared ownership critical illness insurance
  SOCII Video Tutorial
- IRS: Insured retirement strategy
  IRS Video Tutorial
- LIAC: Life insurance as an asset class
  LIAC Video Tutorial
iA Tax at death tool (Download and enable macros*)

This tool illustrates death tax.

Data Collection (Download and enable macros*)

Video Tutorial
iA Retirement and Critical Illness insurance tool (Download and enable macros*)

This tool calculates the financial impact of a critical illness during the retirement savings accumulation phase, assuming that the illness lasts for one year.

Data Collection (Download and enable macros*)

Video Tutorial

*If macros are blocked by your administrator:

Before opening the Excel file, right click on it.
Select Properties.
Go to the General tab.
In the Security section, check Unblock.
Click OK to save.

Read the documentation

Forms

The documents below are made available to you to facilitate the exchange of information with our teams.

Shared ownership critical illness request iA Retirement and critical illness insurance tool Insurance as an asset class Immediate financing arrangement form (IFA) Insurance Retirement Strategy Application Form (IRS) My financial journey - Getting to know you Business division - Time out

Podcasts and Videos

Ross Cook, Sales Director and Amin Njonkou, Tax Expert
Subject: Tax at death

Ross Cook, Sales Director and Andy Yip, Tax Expert and Legal Advisor
Subject: Interest deductibility

The use of the masculine is to simplify the text.