Financial

Cutting Through Life Insurance Chaos in Canada is a 14-page information package for Canadians.

This package is provided to help you understand:

• the jargon of life insurance,
• the benefits of having good life insurance coverage,
• how to determine whether you need it and how much you need,
• types of personal and business life insurance available,
• term life, whole life, and universal life insurance,
• disability, buy-sell and key man policies.

Get your free copy of Cutting Through Life Insurance Chaos in Canada and find out how to make life insurance part of your financial planning.

Set up pre-authorized payments by direct debit from a customer's bank account with this Authorization Form, for Canadian merchants and financial institutions.

• The payments will be processed in accordance with the Rules of the Canadian Payments Association.
• This form can be used for regular payments on a mortgage or loan, insurance premiums, investments, pension plan contributions, or payments on a customer's account.
• The authorization can be revoked at any time, but the revocation does not alter the customer's obligations to make payments.
• Includes instructions for the procedure by which the customer can dispute a payment that has been improperly withdrawn.
• Available in MS Word format.
• For use in Canada.

If you are selling a real estate property in Delaware, you can assist the buyer by carrying part or all of the purchase price with this Contract for Deed (or purchase money mortgage).

• Under the terms of this Contract, the seller effectively becomes the mortgage lender for the balance of the purchase money.
• Title will transfer to the buyer once payment in full of all principal and interest has been received by the seller.
• The seller has the right to take back the property if the buyer defaults in payment.
• At the seller's option, the balance can be repaid by monthly payments with or without interest until paid, or monthly payments with interest for a fixed number of payments with a balloon payment at the end to pay out the balance.
• This Contract for Deed form is available in MS Word format and is fully editable to fit your exact circumstances.
• Intended to be used only in the State of Delaware.

Place a mortgage on a residential property with this Delaware Fixed Rate Mortgage form.

• The mortgage form contains both uniform (multistate) covenants and non-uniform covenants for acceleration, future advances, and satisfaction / release in accordance with Delaware law.
• The mortgage is given as additional security for a loan under a promissory note signed by the borrower, plus any additional prepayment or late payment charges, plus interest.
• This mortgage form is a downloadable and fully editable template in MS Word format.
  
• Intended to be used only in the State of Delaware.

Issue a Demand Debenture to a shareholder or investor as security for a loan with this template form.

• Interest on the principal amount secured by the Debenture will be compounded semi-annually and paid monthly.
• The Debentures are issuable as fully registered Debentures under the terms of a Trust Indenture.
• The Debenture does not become obligatory until it is certified by the trustee.
• This Demand Debenture template is available as a downloadable MS Word file which can be easily customized to fit your needs.

Issue debentures to investors and lenders with this Canada Demand Debenture Certificate with RRSP and RRIF Eligibility.

• The debenture certificate is for public companies only.
• The debenture has a 21-year term.
• This is a qualified investment for RRSP and RRIF funds under the Income Tax Act.
• Available in MS Word format.
• Governed by Canadian tax laws and intended for use only in Canada.

Have you got customers that won't pay? Demand payment with one of these 8 customizable demand letter templates.

1. Notice of Returned Check
2. Reminder Letter and Request to Contact Credit Manager
3. Notice of Declined Credit Card
4. Notice to Preferred Customer of Overdue Account
5. Notice that Account Will Be Referred to Collection Agency
6. Final Demand for Payment
7. Final Notice Before Legal Action
8. Notice of Intention to Commence Legal Proceedings.

Don't allow non-paying customers to drain your cash flow. Download these Demand for Payment Letters and start collecting today.

Recoup money owed to you by a debtor from a sale of assets by serving this Canada Demand for Satisfaction from Proceeds of Sale on the party selling the collateral.

• The demand is given by a secured party to another secured party who is undertaking a sale of a debtor's assets.
• The party making the demand has no security interest in the items being sold, but is owed money under a loan agreement, mortgage, etc. by the debtor whose assets are being sold.
• This legal form can be used in any Canadian province or territory.
• This form is available as a downloadable MS Word document.

This Demand Promissory Note form is designed to help creditors in Canada document loans and safeguard their rights effectively.

The Demand Note template offers an easy-to-use format that includes a floating interest rate, ensuring flexibility for both parties.

Interest Rate Calculation

The interest on the loan is calculated based on the current prime lending rate of the lender’s bank. This method ensures that the interest remains competitive and reflects prevailing market conditions.

Prepayment Terms

Borrowers have the option to prepay the loan at any time. Importantly, there are no penalties or premiums associated with early repayment, providing added flexibility for the borrower.

Form Accessibility and Reusability

The form is straightforward to fill out and can be printed for signature, making the documentation process simple and efficient. Users may utilize the form multiple times as needed for different loan arrangements.

Jurisdiction

This template is recognized as a legal form throughout Canada and can be used in any province or territory. For transactions in the Province of Quebec, a French language version of the form may be necessary to comply with local requirements.

How to Obtain the Form

To access the Demand Note form, simply add it to your cart and complete the checkout process. Upon successful transaction, your document will automatically download.

If you are loaning money to someone, make sure you get paid back by having them sign this Demand Promissory Note.

• A demand promissory note is a note that must be repaid in full (including all interest) when the lender demands repayment.
• Interest on the principal amount accrues at a fixed rate and is calculated monthly.
• The principal can be prepaid by the borrower at any time without a penalty or premium being charged.
• The promissory note is a legal contract. When the borrower signs it, they are making a promise to repay the loan. If they don't pay it on time, you can take legal action.
• This is a generic legal form which is not country-specific.
• Download a free copy of the Demand Promissory Note and keep it handy for the next time you make a loan to anyone.