Tim and Sandra were 60 years old and only a few years from retirement when Tim suddenly died. Tim in his will left everything he owned which was registered in his name to Sandra.

Among the possessions that he owned jointly with Sandra were a vacation home in Collingwood (Ontario) and another vacation home in Vancouver.

Tim also had a large RRSP which named Sandra as the beneficiary. After carefully assessing the above situation, discuss what you feel would have been the best possible insurance-related product or combination of products for your client(s).

Be sure to consider your client(s) current and future needs.