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thanks for tuning in this video will explain what is a split dollar critical illness policy and more importantly why every incorporated business owner who is insurable should have this policy as pumper as part of the bumper guard protection around them and their family my name is john mochler and i'm the founder of mochler wealth management and for the best advice on how to protect you and your family subscribe to my youtube channel and hit the bell notifications so you'll be notified when we launch a new video now when we design critical illness policies for our clients we design them as a guaranteed policy and what i mean by that is either they're going to contract a critical illness and get the payout or if they don't contract a critical illness they can ask for 100 of their money back and this feature is called return of premium and canada is one of the last countries in the world with this feature now here in canada only five percent of canadians actually have a critical illness...