NEWS LETTERS

Subject: GBL Newsletter – New Product Launch and Year-End Deadlines

Important Update: New Product Launch and Year-End DeadlinesWe are pleased to announce a new service offering at GBL.  We are now able to provide Fair Market Valuations of Life Insurance Policies. There are a whole host of reasons why your clients may need a market valuation of their life insurance policies. Charitable giving, division of property due to marital breakdown, and corporate reorganizations are examples of where this service may be required.Transfers and sales of policies between individuals and their corporations are events that will require a market valuation. A company might sell policies that it funded for “key man” purposes to those employees upon their retirement. Conversely, a business owner may sell their policy to their company in order to remove retained earnings. Where the health of the insured has deteriorated the value of that policy is not necessarily the Cash Value, but may be considerably higher, including much of the death benefit.GBL’s consulting team will work with you and your client to gather the required information and provide the valuation report in a timely fashion and at a very reasonable price. Please note: GBL cannot provide a tax opinion as this is the responsibility of your client’s accountant or tax specialist.
Features of Fair Market Valuations:   Convert a life insurance policy into personal wealth through a sale based on the current fair market value. Transfers and sales of life insurance policies from personal to corporate ownership, or charitable giving. Actuarially certified fair market value. Material changes in health may substantially increase the value of an existing life policy. Year-End Deadline For New Plan Registrations: Our year-end is approaching fast and we want ensure that we can meet your expectations. To guarantee that your plan will be registered for 2009, we ask that you please observe the deadlines below. If you have any questions, please feel free to contact one of our GBL representatives in your area for assistance. Deadlines for 2009 Product Confidential Information & Authorization Form Signed and completed documents in mail IPP, RCA, HAWP, EPSP December 11th Return to GBL no later than December 21st IPP with Corporate Trustee November 27th Return to our GBL no later than December 4th FOR INFORMATION AND ADVICE ON THESE SERVICES IN THE ATLANTIC REGION PLEASE CONTACT Bradley Roberts & Associates Dave H. Roberts, CLU, CFP Tel: (902) 420-2808 Mobile: (902) 221-7201 dave@bradleyrobertsassociates.ca Toll Free: 1 (800) 546-7554 For full service advice on IPPs and other shelters against economic uncertainty and investment volatility contact your local GBL Consultant.
Toronto100 Adelaide Street West, Suite 1001, Toronto, Ontario, M5H 1S3Toll Free: 888.941.9829	Calgary 1209 – 59th Avenue SE,Suite 260, Calgary, Alberta T2H 2P6.Toll Free: 877.249.2999	Vancouver 1441 King George Highway Surrey B.C. ,V4A 9R3Phone: 604.538.0723