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Sales resources > Insurance > Professional Services Team

Welcome to PSTV

PSTV presentations provide information and tips from Manulife’s team of professional consultants. Learn more about advanced solutions and strategies in:

  • Wealth creation and estate protection
  • Estate preservation
  • Business continuity
  • Taxation

View our latest PSTV segment

IFA, Manulife Par and Manulife Bank – Better Together (Password is “townhall”)
A webinar by members of the Professional Services team and Manulife Bank.

This informative webcast delves into tax considerations as well as product and banking details to provide valuable information about the Immediate Finance Arrangement concept(IFA), Manulife Par and Manulife Bank. In addition, it provides key insights as to the types of clients who are best suited, the practical realities of the concept, where it works and where is doesn’t.

Resources:

Immediate Leverage Tax Topic

Past segments

 Tax update – After the 2018 budget, where are we now?

 Creditor Protection – An interesting feature

Dianna Flannery

Creditor Protection – An interesting feature
With Dianna Flannery B.A. (Hons.), J.D., TEP, Tax, Retirement & Estate Planning

Creditor Protection is an attractive feature often paired with life insurance and some investment products. In this segment, Dianna Flannery walks through the basics of creditor protection, how it is available and includes additional insight as to how it applies to proceeds, exemptions and more.

Resources:

Tax & Estate Planning

Tax Topics:

Creditor Protection and Life Insurance
Limitations on Creditor Protection and Life Insurance

Guides:

Are your investments protected from creditors?

 When non-smokers test positive for nicotine

Paul Pickett

When non-smokers test positive for nicotine
With Paul J. Pickett, FALU, FLMI, ACS, Regional Underwriting Consultant – Western Canada

The instance of clients who declare themselves as non-smokers then subsequently test positive for nicotine during routine insurance testing continues to occur. This segment highlights the procedures our labs use to test for cotinine and highlights the importance of full disclosure to avoid misrepresentation and denial of claims.

Resources:

Tax & Estate Planning section on Repsource

 Planning for the cottage - Keeping it in the family – November 2013

Planning for the cottage - Keeping it in the family – November 2013
With Jennifer Janeczko, MTAX, Tax and Estate Planning Consultant

The vacation home your clients love has grown in value over the years. Now, as your client considers transferring ownership, they wonder about the capital gains tax. In this segment, learn more about the possible tax liabilities and options you can discuss with your clients.

Resources:

Tax & Estate Planning (Repsource)

 Estate planning opportunities with farm clients – August 2013

Dereka Thibault

Estate planning opportunities with farm clients – August 2013
With Dereka Thibault, CA, TEP, Tax & Estate Planning Group

Farming clients reviewing their estate plan often overlook the issues relating to funding the income tax liability for the transfer of the family farm. You can help. Learn more about the challenges and opportunities available with this market.

 Can the Capital Dividend Account (CDA) have a negative balance? – June 2013

Nick Fabiano

Can the Capital Dividend Account (CDA) have a negative balance? – June 2013
With Nick Fabiano, CA, AVP, Tax & Estate Planning Group

Learn more about how the CDA works. Can it have a negative balance? And if so, how can that impact distribution of the CDA credit to shareholders after receipt of life insurance death benefit proceeds.

Resources:

Capital Dividend Account Tax Topics, As a Matter of Tax and FAQs

 Introduction to the Capital Dividend Account (CDA) – May 2013

Gord Giacomin

Introduction to the Capital Dividend Account (CDA) – May 2013
With Gord Giacomin, AVP, Tax & Estate Planning Group

The Capital Dividend Account is an important component of life insurance based tax planning for private corporations. In this introductory session, you’ll learn more about the CDA arising from a company’s receipt of a life insurance death benefit.

Resources:

Capital Dividend Account Tax Topics, As a Matter of Tax and FAQs

 Insurance trusts – April 2013

Joel Campagna

Insurance trusts – April 2013
With Joël Campagna, CMA, CFP, TEP, AVP, Tax & Estate Planning Group
Carol Foley, CA, LLB, AVP, Tax & Estate Planning Group

What is an insurance trust? Learn the basics from Carol and Joel, including why and how your client would set up an insurance trust and what a trustee’s duties and responsibilities are.

Resources:

An advisor’s guide to insurance trusts

FAQ #11: Does an insurance trust created in a will trigger probate fees?

Does my client need a Shareholders' Agreement? – March 2013

Dianna Flannery

Does my client need a Shareholders\' Agreement? – March 2013
With Dianna Flannery, Senior Tax & Estate Planning Consultant

Discover the role of a Shareholders’ Agreement and why your client may need one. Learn about the kinds of clauses a Shareholders’ Agreement typically covers, including disability clauses and buy-sell provisions.

Resources:

Buy-Sell Sales Concept materials
Buy-Sell checklist
Tax Topics (buy-sell agreements)

 Creating an effective cover letter – February 2013

Greg Lands

Creating an effective cover letter – February 2013
With Greg Lands, Regional Underwriting Consultant

Discover helpful tips and strategies to help you write cover letters for your clients’ insurance applications. Find out the cover letter’s purpose, when you should write one and what to include.

Resources:

Risky Business – About that cover letter… show us your work
Cover letter checklist (PDF)
Ideal disability insurance cover letter

 Insuring your client’s retirement plan - January 2013

Ian Taylor


Insuring your client’s retirement plan – January 2013
With Ian Taylor, B.B.A., CLU, CH.F.C., FLMI
Director, Advanced Sales, Tax & Estate Planning Group

Don’t let a critical illness derail your clients’ retirement plans. Show your clients how critical illness insurance can help protect their retirement assets using a new sales concept called Retirement Protection.

Resources:

Sales Concept – Retirement Protection
 

 Transferring a life insurance policy to a corporation - December 2012

Joel Campagna


Transferring a life insurance policy to a corporation - December 2012
With Joel Campagna , CMA, CFP, TEP, AVP, Tax & Estate Planning Group
And Carol Foley, CA, LLB, AVP, Tax & Estate Planning Group

Aid your clients who want to transfer their life insurance policy to a corporation by understanding the tax implications, shareholder benefits and other issues that may arise in this scenario.

Resources:

Tax Topic – The Lifetime Capital Gains Exemption
Tax and Estate Planning resources

 Tax efficient ways of getting cash out of a private corporation – November 2012

Hemal Balsara


Tax efficient ways of getting cash out of a private corporation – November 2012
with Hemal Balsara, C.A, AVP, Tax & Estate Planning Group

Learn tax-efficient ways your business-owning clients can get cash out of their private businesses. This presentation covers three methods: repayment of a shareholder loan, return of capital and capital dividends.

Resources:

Tax Topic – Capital Dividend Account (CDA)

 Taxable benefits – October 2012

Nick Fabiano


Taxable benefits – October 2012
with Nick Fabiano, C.A, Tax & Estate Planning Group

Help your clients understand the tax implications of corporate owned life insurance policies. Through a variety of scenarios, learn the taxable benefits that may arise with policy ownership/beneficiary designation structures and what happens when a policy is transferred.

Resources:

Corporate Owned Life Insurance – Tax Considerations
Transfer of an Insurance Policy Involving Corporations and a Shareholder or Employee

 The estate bond concept – September 2012

Gord Giacomin


The estate bond concept – September 2012
with Gord Giacomin, AVP, Tax & Estate Planning Group

Discover how your clients can build estate value using an alternative to taxable investments. Learn about the Estate Bond Concept, how it compares to a traditional fixed-income investment and how to identify the ideal candidates. 

Resources:

Estate Bond sales concept page

 Introducing PSTV – September 2012

Greg Cerar
Introducing PSTV – September 2012
with Greg Cerar, VP, New Business and Professional Services

 

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