Dave Chilton

Are you an advocate for term insurance in most of those instances?

Occasionally, you can see it in a corporation where they have excess retained earnings.

They're doing it for estate planning reasons.

They've optimized all of their personal good, like TFSA.

I agree with you.

Occasionally, it can make sense.

But for mainstream Canada, who's got young children, et cetera, you're just better to go with the term insurance, make sure you have proper coverage.

Going back to your disability comment, it's interesting.

A lot of the work plans, I think, are certainly better than nothing, but the definitions...

are either so vague or so one-sided that I think it's a good idea for many to show that to somebody out in the field and make sure they shouldn't be buying an individual policy as well.

You know, all the things we've spoke

about.

All right, let me ask you before we wrap up about two of my pet peeves.

There's still so many Canadians who have a chance to get a match contribution from their employer for Vancouver RSP who don't do it.

And it's sometimes dollar for dollar, not even 50 cents on the dollar.

And obviously you pull your hair out when you see that.

I'm really trying to hit that hard now, whether I'm on stage or on page.

Come on.

Are there any negatives to take advantage of this?

I agree.