Investment

People often think of Life Insurance as a financial instrument purchased to replace income.

While true for most Term Insurance, the majority of in-force Permanent Life Insurance is now held for investment purposes.

Wealthy Canadians buy Permanent Life Insurance as an alternative investment to low risk, low yield, highly-taxed investments like bonds, GICs, etc. 

They use Permanent Life Insurance as a worry-free investment that can grow at an equivalent rate in excess of 10%, can be accessed tax-free, and passed along to families and favourite charities tax-free.

The unique tax treatment of Life Insurance policies under Canada’s Income Tax Act makes it a key component in Succession Planning.

Investments

• Permanent Insurance as an investment
• Tax minimization/elimination
• Succession Planning
• Individual Pension Plans (IPP)
• Segregated Funds or Guaranteed Investment Funds
• Charitable Planned Giving

Ask us how we can effectively assist you with diversifying your portfolio, by passing probate, creditor protecting investments, and simplifying the transfer of wealth from one generation to the next with comprehensive and proper planning