New guideline reflects evolution of capital accumulation plan practices.

Reinsurer highlights submarine energy and technology transmission concerns.

Rates in Canada decrease three per cent on average.

Insurers aim to protect both entrepreneurs, as well as young people on a tight budget.

Private equity investors will require operational value creation.

Segregated funds allow clients to avoid will probate fees thanks to beneficiary designation.

Insurers say the reset option has weakened over the years.