This Practice Note reviews provincial restrictions relating to policyholder inducements and considers how these rules may apply to three situations which involve an advisor: supporting loans to policyholders; entering into a shared ownership arrangement with a policyholder; or offering a rebate to a policyholder provided the application is signed in a province where rebating is permitted. The Practice Note also reviews a number of other tax and non-tax considerations relating to these types of arrangements.
(Members only)
