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425 pages in 20 sections
Start Here 4
The Strategy 23
- Can a young family with a mortgage build its own financing system? Updated
- Capital Held Within a Family Updated
- Claims That Should Never Be Made About This Approach Updated
- Economic Value Added: What It Means for a Family's Money New
- How can parents teach children to think like a lender? Updated
- How do two partners run a family financing system together? Updated
- How does a family review its own financing system each year? Updated
- How long before a family financing system can finance a purchase? Updated
- How should a family decide what its financing system should finance? Updated
- Infinite Financial Sovereignty® Made Easy New
- Life Insurance Is Not an Investment Updated
- Nash's Twin Sisters Story, Explained Simply New
- The Concept, Explained From the Start Updated
- The Eight Rules of Infinite Banking New
- The IBC Policy, Which Policy Does Nash's Concept Actually Use? New
- What does it mean to think like a lender with your family’s money? Updated
- What does recapturing interest mean in Canada? Updated
- What goes into a written one-page family financing plan? Updated
- What happens to a family financing system in a hard year? Updated
- What Is Known as The Infinite Banking Concept®: How the Method Works in Canada Updated
- What mistakes stall a family's financing system, and how are they avoided? Updated
- Why is a family financing system built before it is used? Updated
- Why Nash Said Your Premiums Should Match Your Income New
Whole Life Insurance 10
- A Policy Advance and Other Credit Updated
- Converting Term Life Insurance or a New Contract Updated
- High Cash Value Life Insurance in Canada: How It Is Designed New
- Life Annuities Updated
- Participating and Non-Participating Whole Life Insurance Updated
- Participating Life Insurance Updated
- Participating Whole Life and Universal Life Updated
- Term Life Insurance Updated
- The Dividend Options and What Each One Does to the Contract Updated
- Whole Life Insurance in Canada Updated
How a Policy Works 28
- An Advance of the Death Benefit While Living Updated
- Cash Surrender Value Updated
- Contingent Beneficiary Updated
- Dividend-Paying Life Insurance Updated
- Family History on an Application Updated
- Financial Underwriting and Insurable Interest Updated
- How a Death Claim Is Paid in Canada Updated
- How a Participating Policy Works, Year by Year Updated
- How Many Life Insurance Policies Can You Have? Updated
- Insurance Premium Updated
- Is Life Insurance Taxable in Canada? Updated
- Is My Policy Loan Over My ACB? Updated
- Life Insurance Underwriting Updated
- Misrepresentation on an Application Updated
- Paid-Up Additions Updated
- Policy Loans in Canada Updated
- Smoker Status and the Premium Updated
- Tax-Deferred Growth Updated
- The Civil Code and the Life Insurance Contract Updated
- The Exempt Test and What Happens When a Contract Fails It Updated
- The Genetic Non-Discrimination Act and What an Insurer May Ask Updated
- The Medical and What It Measures Updated
- Travel, Residency and Occupation Updated
- Use It or Lose It: Five Things a Participating Contract Can Take Away New
- Waiver of Premium Rider Updated
- What Is a Policyholder? Updated
- When a Policy Loan Becomes Taxable Updated
- When an Application Is Rated, Postponed or Declined Updated
Retirement 10
- Business Owners Retirement Plan
- Doctor Retirement Plan
- How can a Canadian dentist plan retirement income without an employer pension? New
- Insured Retirement Plan
- Insured Retirement Plan or Infinite Financial Sovereignty®: One Policy, Two Uses New
- Real Estate Investor Retirement Planning
- Retirement calculator: what the lifestyle you want could cost from 65 to 95
- Retirement Income From a Contract and the Word Tax-Free
- Retirement Planning in Canada
- Retirement Without an Employer Pension: A Collection for Professionals
Estate 11
- A Death Benefit and a Testamentary Trust
- A Minor Beneficiary, a Beneficiary Who Cannot Be Found, and the Estate by Default
- An Estate With Assets and No Cash
- Asset Protection
- Estate Planning in Canada: What It Is, How It Works, Importance, Costs
- Family Patrimony and the Beneficiary Designation
- Generation Wealth Building
- Taxes on Death Benefits
- The Deemed Disposition at Death and Where the Death Benefit Sits
- The Designation and What a Creditor Can Reach
- Will Verification in Quebec and the Death Benefit
Business Owners 62
- A Corporate Contract When the Company Is in Trouble Updated
- Buying a Pharmacy or Joining a Banner as a Pharmacist New
- Buying Into a Partnership at the Point of Highest Debt Updated
- Closing or Leaving a Medical Practice: The Money Questions New
- Corporate-Owned Life Insurance (COLI) Updated
- Cost Per Mile, and the Cost of Capital Nobody Costed
- Dentists and the Equipment Cycle: Who Is Paid Every Time Updated
- Farm Families and the Land That Cannot Be Divided Updated
- Fee-for-Service Billing, Overhead and the Physician's Irregular Income New
- Financing a Medical Career: From Medical School to an Established Practice New
- Financing a Pharmacy Career: From Pharmacy School to Ownership New
- For Dentists: Ten Articles From the First Year to the Sale of the Practice Updated
- For Pharmacists: The Capital on the Shelf and the Retirement Behind the Counter Updated
- For Physicians: Your Corporation, Your Retirement, and No Pension Plan Updated
- For Professionals: Lawyers, Accountants, Engineers, Consultants and Veterinarians Updated
- Funding a Buy-Sell Agreement Updated
- Funding Premiums from Corporate Cash Flow Updated
- How a Capital Dividend Is Elected and Paid After a Shareholder Dies Updated
- How can a Canadian dentist put the financing concept of Nelson Nash to work across a career? New
- How should a dentist finance the move from associate to practice owner in Canada? New
- How should a dentist plan for leasehold improvements, a lease renewal and a second location? New
- Insurance and Capital for Canadian Business Owners Updated
- Joining or Buying Into a Clinic or Group Practice as a Physician New
- Manufacturers and the Machine That Outlives Its Financing Updated
- Medical Specialists, Equipment and the Private Clinic Cycle New
- Pharmacists, Disability and the Capital Plan New
- Pharmacy Owners, Renovation, Automation and a Second Store New
- Pharmacy Owners, Salaried Pharmacists, and the Capital on the Shelf Updated
- Physicians, Disability and the Capital Plan New
- Relief Shifts, Locum Work and the Pharmacist's Irregular Income New
- Retained Earnings and the Passive Income Rule
- Salary, Dividend, and What Each One Builds
- Selling a Pharmacy: The Money Questions New
- Selling the Company, and the Contract Inside It
- Six Months of Income Against Twelve Months of Cost Updated
- Somebody Else's Calendar: The Refit, the Lease and the Guarantee
- Ten Years to the Exit, and a Contract That Wants Thirty Updated
- The Accountant Asked to Approve This, and What to Check Updated
- The Capital Dividend Account, Explained for Canadian Business Owners New
- The Contractor With One Client and a Contract That Ends Updated
- The Corporate Reserve
- The Design Practice and the Obligation That Outlives the Work Updated
- The Holdback, the Crew and the Money Already Earned Updated
- The Incorporated Physician's Corporation, and What Sits Inside It Updated
- The Pharmacist's Spouse and the Two-Pharmacist Household New
- The Physician's Spouse and the Two-Physician Household New
- The Policyholder Decision for an Incorporated Owner Updated
- The Real Estate Agent's Year: Lumpy Income, Monthly Bills Updated
- The Shareholder Loan and the Policy Loan
- The Small Firm, the Draw, and Money That Is Not the Firm's
- Veterinarians and What the Practice Is Worth to Anybody Else
- What a Corporate Contract Leaves on the Balance Sheet Updated
- What happens to a dental practice and its financing plan when the dentist cannot work? New
- What Is the Succession Planning Process?
- What should a dentist know before selling a dental practice in Canada? New
- What should a new dentist in Canada do first about student debt, insurance and financing? New
- What Should a New Pharmacist in Canada Do First About Student Debt, Insurance and Savings? New
- What should a new physician in Canada do first about residency debt, insurance and financing? New
- What should an incorporated dentist know about retained earnings and whole life insurance? New
- What should dentists consider when a spouse works in the practice or both spouses are dentists? New
- When the Corporation Pays the Premium and the Shareholder Owns the Contract
- Which Company Should Hold the Contract, and What That Changes
Real Estate Investors 33
- A Policy Loan for the Next Down Payment
- A Policy Loan or a Collateral Loan
- Cash Value as the Down Payment on Five Units
- Contract First, or Property First
- Financing a New Build From Land to Stabilisation
- Four Units and Five Units Are Two Worlds
- Funding the Renovation Gap on a Repositioning
- Holding Property in a Corporation and the Contract
- How a Lender Reads the Premium
- How Much Coverage a Leveraged Portfolio Calls For
- Interest on a Policy Loan Used for a Rental
- Keeping the Properties in the Family
- Policy Loan or HELOC for a Landlord
- Private Lending Between Investors
- Refinancing or a Policy Loan to Recycle Equity
- Renewals in the Same Year
- Renovating Between Tenants
- Repaying a Policy Loan From Rent
- Selling a Property and the Year of the Tax Bill
- Short Term Rental Income and the Off Season
- The Accidental Landlord
- The Holdback, the Surveyor and the Interest Reserve
- The Joint Venture Partner Who Leaves
- The Special Assessment
- The Strategy Beside a Property Portfolio
- The Tax at Death on a Rental Portfolio
- The Vacancy and the Repair
- What a Lower Dividend Scale Does to a Real Estate Plan
- What a Policy Loan Cannot Do for an Investor
- What a Policy Loan Does to Your Coverage Ratio
- When a Rental Portfolio Should Say No
- Where Capital Waits Between Properties
- Who Owns the Contract When a Couple Owns Property
For Dentists 11
- For Dentists: Ten Articles From the First Year to the Sale of the Practice Updated
- What should a new dentist in Canada do first about student debt, insurance and financing? New
- How can a Canadian dentist put the financing concept of Nelson Nash to work across a career? New
- How should a dentist finance the move from associate to practice owner in Canada? New
- Dentists and the Equipment Cycle: Who Is Paid Every Time Updated
- How should a dentist plan for leasehold improvements, a lease renewal and a second location? New
- What should an incorporated dentist know about retained earnings and whole life insurance? New
- What should dentists consider when a spouse works in the practice or both spouses are dentists? New
- What happens to a dental practice and its financing plan when the dentist cannot work? New
- What should a dentist know before selling a dental practice in Canada? New
- How can a Canadian dentist plan retirement income without an employer pension? New
Immediate Financing Arrangement (IFA) 8
- The Collateral Assignment and the Lender
- The Immediate Financing Arrangement (IFA), Step by Step
- The Minimum Tax and the Quebec Investment Expense Limitation
- Unwinding an Arrangement, and What It Costs
- What the Lender Can Do, and When
- Which Part of a Premium Is Deductible When a Contract Is Assigned
- Who an Immediate Financing Arrangement Is Wrong For
- Why the Premium Is Paid Before the Loan
Sovereignty for Women 8
- A De Facto Spouse in Quebec, and What Changed
- Building Alone: When the Arithmetic Says No
- Caring for a Parent and the Years It Costs
- Divorce and the Designation Nobody Changed
- Financial Sovereignty for Women in Canada
- Insuring a Child Who Receives Disability Support
- Maternity Leave and the Contribution Room
- What the Survivor Actually Receives
Family Finance 11
- A Large Sum Arrives, and Nothing Has to Be Decided This Month
- Family Finance
- Insuring a Child, and What the Contract Is Actually For
- Life and Critical Illness Insurance for Children in Canada: What the Numbers Show New
- Requalifying Mid-Career, and the Timeline That Got Shorter
- The First Contract at Twenty-Five
- The Guaranteed Insurability Option
- Think Like the Wealthy: How Affluent Families Pay for Their Children's Education, Activities and Future New
- Two Incomes in the Forties, and Where the Money Goes
- University Fees: A Known Cost on a Known Date
- Who Owns a Child's Policy
Money Principles 13
- A Tax Bill in April Updated
- Capital Recovery Updated
- Compound Interest Updated
- How Affluent Families Pay for the Wedding Their Daughter Dreams Of New
- Money Principles Updated
- Opportunity Cost Updated
- Paying for a Renovation Updated
- Paying for a Vehicle Updated
- Paying for Travel, Vacations and Children's Sports: Cash, Card Points and Your Policy New
- The Down Payment Updated
- The Money Multiplier Updated
- What Are the Fees for a Wealth Manager? Updated
- Why Is Personal Finance Important? Updated
Objections and Risks 8
- American Videos on This Strategy and Canadian Law Updated
- Is It Legitimate? Updated
- Risks and Failure Modes Updated
- The 10/8 Arrangement and the Leveraged Insured Annuity, and Why They Ended Updated
- The Comparison Question Updated
- The Honest Case Against, and What It Gets Right Updated
- The Real Costs Updated
- What Critics Get Right Updated
Answers 127
Business and corporate ownership 14
- Can a holding company own the policy?
- Criss cross, promissory note or share redemption: which structure?
- Does a corporately owned contract affect the small business share test?
- How does key person coverage differ from shareholder coverage?
- Should the corporation or the shareholder own the policy?
- What does a buy and sell agreement have to say about the coverage?
- What does a lender look at when a corporate contract is pledged as security?
- What does moving a contract from the corporation to the shareholder cost in tax?
- What does my accountant need from me before the year end?
- What happens to the contract if the corporation is sold or wound up?
- What is a shareholder benefit, and how does a contract trigger one?
- What is the adjusted cost basis of a corporate contract, and why does it matter?
- What is the capital dividend account, and how does a corporate claim reach it?
- What should the corporate minute book record about the contract?
Does this change where I live? 15
- Can an irrevocable designation be changed at all?
- Do family patrimony and my matrimonial regime touch my life insurance?
- Does my will override the beneficiary named on the contract?
- Does where I live change the tax on an advance or a policy gain?
- How do I raise a problem with an insurance company?
- If I move to another province, does my contract change?
- Is a policy protected from creditors everywhere in Canada?
- Notarial, holograph or before witnesses: does the form of will matter?
- What does probate cost, and does naming a beneficiary avoid it?
- What does the Civil Code change for a life insurance contract?
- What is a liquidator, and how is that different from an executor?
- What language must my contract and my documents be in, in Quebec?
- Who regulates insurance where I live?
- Why does Quebec have different rules from the rest of Canada?
- Why is naming my married or civil union spouse irrevocable in Quebec?
How a policy ends 9
- Can a surrender create taxable income?
- Can ownership pass to another generation?
- How is the money actually paid out?
- How much do I get back if I surrender?
- What documents will a beneficiary be asked for?
- What happens if I cancel my policy?
- What happens to a corporately owned contract?
- What happens to an amount still owed?
- What happens when the insured dies?
How do I review a policy I already own? 15
- Can I change the ownership or the beneficiary on a contract I already own?
- Can I stop paying and keep the contract, and what are reduced paid up and extended term?
- How do I read my annual policy statement?
- How do I request an in force illustration from the insurer?
- How often should I review a policy I already own?
- I cannot find my policy documents. What now?
- My policy is not performing the way it was illustrated. What happened?
- Should I get a second opinion on a policy I already own?
- What are the warning signs that a second opinion is really a sales pitch?
- What documents should I gather before any review of my policy?
- What does an in force illustration tell me?
- What is a policy replacement, and why is replacement regulated in Canada?
- What is my contract's adjusted cost basis, and where do I find it?
- What should a second opinion establish before anyone suggests changing anything?
- Who services my contract now, and how do I have somebody else appointed?
How will it be funded? 10
- Can I add a paid-up additions rider to a policy I already own?
- Can I increase my premium after the policy is issued?
- Can I use the policy's own value to pay the premium?
- Does paying annually cost less than monthly?
- How much can I pay into a whole life policy?
- Once dividends cover the premium, is the insurance free?
- What does overfunding a policy mean?
- What happens if I miss a premium payment?
- What happens if my policy fails the exempt test?
- Why is my cash value lower than the premiums I paid?
Should this be in my life? 12
- Do I need permanent life insurance?
- How long do I need to keep the policy?
- How stable does my income need to be?
- Is this method a scam?
- Is this method legal in Canada?
- Is this method worth it in Canada?
- Should I pay off debt first?
- Should I use my TFSA or RRSP first?
- What can actually go wrong?
- What is Assuris, and what does it protect?
- Which of the four roles does a participating policyowner play?
- Who should not use this method?
Using policy value 10
- Advance, withdrawal or assignment: what differs?
- Am I borrowing my own money?
- Are policy loans taxable in Canada?
- Can I borrow against my whole life policy?
- Do policy loans affect my credit?
- Do you pay policy loan interest to yourself?
- Does cash value keep growing with a loan?
- How long does an advance take, and is there a minimum?
- What happens to the death benefit?
- Where does policy loan money come from?
What am I being shown? 14
- Am I a shareholder of the insurance company when I own a participating policy?
- Are life insurance illustrations forecasts?
- Are participating policy dividends guaranteed?
- Can I sell or transfer my ownership interest in a mutual company?
- Does a higher dividend scale mean a better contract?
- How is the dividend scale actually decided?
- How should I compare two illustrations from different insurers?
- What does a life insurance illustration leave out?
- What does an ownership interest in a mutual company actually give me?
- What happens if the dividend scale goes down?
- What is the difference between a dividend scale and an interest rate?
- What is the difference between the guaranteed column and the illustrated column?
- What should I ask about an illustration before I sign?
- Which document wins if the illustration and the policy disagree?
What happens when life changes? 10
- Can creditors reach my policy if my business fails?
- I can no longer afford the premium. What are my options?
- What happens if I do not repay?
- What happens if my advisor retires or leaves the business?
- What happens if the policy lapses?
- What happens to a policy in a separation or divorce?
- What happens to an irrevocable designation if we separate?
- What happens to my policy if I lose my job?
- What happens to my policy if I move out of Canada?
- Who pays the premium if I become disabled?
Glossary 6
Where We Serve 46
- Brandon: The Land That Cannot Be Split
- Burlington: The Second Death, Not the First
- Calgary: The Income That Arrives in Lumps
- Dieppe: The Language the Paperwork Is In
- Edmonton: The Pension Is Real, the Capital Is Not
- Fredericton: One Household, Two Different Risks
- Hamilton: When the Body Is the Income
- Kitchener and Waterloo: When the Job and the Savings Are One Company
- Laval: The House Is the Balance Sheet, and It Cannot Be Divided
- Lethbridge: The Water Travels With the Land
- Life Insurance by Province and City in Canada
- Life Insurance in Abbotsford: The Working Farm Inside a City
- Life Insurance in Alberta: Rules, Probate and Who May Advise You
- Life Insurance in Brampton: The Obligations Nobody Wrote Down
- Life Insurance in Burnaby: A Home You Own With Other People
- Life Insurance in Coquitlam: The Money the Parents Put In
- Life Insurance in Kelowna: Arriving With the Sale Behind You
- Life Insurance in Langley: The Business That Ends With You
- Life Insurance in London, Ontario: Money Left Over and No Decision Made
- Life Insurance in Longueuil: One Industry, and a Pension That Is a Promise
- Life Insurance in Manitoba: The Province That Abolished Probate Fees
- Life Insurance in New Brunswick: Title Protection and Two Official Languages
- Life Insurance in Quebec: A Different Legal System Entirely
- Life Insurance in Richmond: The Name You Put on the Title
- Life Insurance in Sherbrooke: Smaller Numbers, and Why the Order Matters More
- Life Insurance in Surrey: The Household Three Generations Deep
- Life Insurance in Vancouver: What Is Different in British Columbia
- Life Insurance in Victoria: The Household That Has Already Stopped Building
- Lévis: The Career, the Crossing, and No Sum to Direct
- Markham: The Money That Never Leaves the Company
- Mississauga: Capital an Owner Controls
- Moncton: Income Without Capital Behind It
- Montreal: Where a Renting City's Money Actually Goes
- Oakville: Pay You Have Not Been Given Yet
- Ottawa and Gatineau: Living in One Province, Working in Another
- Provinces Where This Practice Is Not Licensed
- Quebec City: Beyond an Indexed Pension
- Red Deer: When Every Customer Slows at Once
- Saguenay: Distance Changes What Capital Is For
- Saint John: One Employer Holds All Three
- Terrebonne: The Decade the Mortgage Is Largest and the Savings Smallest
- Toronto: How to Stop Financing Your Life Through Someone Else
- Trois-Rivières: A Pension That Is Owed Rather Than Held
- Vaughan: The Year the Work Stops
- Windsor: A Household on Two Sides of a Border
- Winnipeg: The House Is Paid For and the Estate Is Thin
The Practice 6
Resources 4
Legal and Privacy 7
Last reviewed 2026-09-09.