a) What two legal documents should the couple ensure are up-to-date if they want a sound estate plan? What would happen if either became incapacitated or died and didn't have any legal documents at all? Please quote your sources.
b) Assume for now that Rob and Ellen were never married, but only common-law spouses. If one should die, would the other have the same rights in Quebec as a legal spouse? (Hint: Refer to the Quebec ruling with respect to Eric and Lola.) Please quote your sources.
The couple has no children and only $100,000 in RRSP investments. Would you recommend they have term or permanent life insurance? Please explain your reasoning.