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As an adviser, I would definitely recommend consulting with an adviser as well. Even if you are debt free with no dependents, there very well may be, and often is, a need for insurance still. Estate planning can be very tricky if you do not consider the result of taxation of the estate after...

I retired from the army to become a financial adviser and insurance agent. I am a licensed broker within Alberta, and my company has agents licensed in every province, as well as two of the territories. I would gladly help anyone in getting in touch with someone who can answer their questions...