Insurance Needs Analysis

Life Insurance Needs

Annual Household Income

Survivor Income Need % 70%

Mortgage Balance

Other Debts

Children (for education fund)

Existing Life Coverage

Disability Insurance

Annual Income

Current Age

Existing Monthly DI Benefit

Critical Illness

Annual Income

Mortgage

Existing CI Coverage

Corporate-Owned Life Insurance

MoeMoney Exclusive — CDA credit analysis (ITA 89(1)(d))

Face Amount (Death Benefit)

Cash Surrender Value

Adjusted Cost Basis

Annual Premium

Years Held

Private Health Services Plan

PHSP/HSA tax analysis — ITA 248(1), 20.01, IT-339R2

Business Structure

Annual Health/Dental Expenses ($)

Personal Marginal Tax Rate (%)

Corporate Tax Rate (%) — SBD ~12.5%

Number of Employees (excl. owner)

IPP vs RRSP Optimizer

ITA 147.1 — for incorporated professionals age 40+

Age

T4 Salary from Corporation ($)

Years of Service (T4 earnings)

Unused RRSP Room ($)

RCA Analyzer

ITA 248(1), 207.5 — beyond RRSP room

Annual Corporation Contribution ($)

Years to Retirement

Marginal Rate Now (%)

Expected Marginal Rate at Retirement (%)

Benefit Taxability Classifier

CRA T4130 2025 — taxable vs non-taxable

Benefit Type

Annual Value ($)

Personal Marginal Rate (%)

Quebec client

Client Gap Analysis

Uses DIME method with real client data