Where do your coverage and your savings stand?

2. If your income stopped tomorrow, how long would your household hold out on current savings and coverage?

3. Does your life insurance come only from your employer?

Employer coverage generally ends when you leave the company.

4. Do you have disability insurance that belongs to you, outside of work?

5. And critical illness coverage — cancer, heart attack, stroke?

6. Do you save for retirement regularly?

7. How many people depend on your income?

8. Do you have a mortgage or significant debts?

2. How many months could you hold out without invoicing a single client?

3. Do you have disability insurance?

With no employer, no group plan takes over.

4. Do you have life insurance?

5. And critical illness coverage?

6. Do you set money aside for retirement?

7. How many people depend on your income?

8. How long have you been self-employed?

2. How many employees aged 18 and over have at least one year of uninterrupted service?

This is the count used to establish the VRSP obligation.

3. Do you already offer a savings plan with payroll deduction?

An RRSP or a TFSA with payroll deduction, offered to everyone, exempts you from the VRSP.

4. Do your employees have group insurance?

5. If a shareholder dies or becomes disabled, is an agreement funded?

6. And your own income protection, as an executive?

7. When does your plan renew?

8. How many employees does the business have in total?

2. Do your retirement income sources cover your current expenses?

3. Have you planned for the cost of a loss of autonomy or long-term care?

4. Do your investments include protection if markets fall?

Segregated funds, offered by insurers, include capital guarantees.

5. Is the transfer of your estate on death organized?

6. Are final expenses — funeral, tax on death — covered?

7. Which age bracket are you in?

8. Do you already work with an advisor?