Wealth is often comprised of illiquid assets. Liquidity is required to preserve wealth that has been created over time.
Revenue Canada maximum contribution limits leave many executives with insufficient retirement income. Supplemental pension can be funded in a tax efficient manner.
You can use your capital / assets to meet lifetime financial objectives while maintaining an estate for your heirs.
Donate funds to charity in exchange for a lifetime tax-free income and a potential tax deduction.
You can arrange for tax effective transfer of assets to next generation without loss of control.
A valuable estate planning tool specially if the effect of the 21 year rule is a concern.
An effective method of preserving net estate value.
You can derive financial benefits from your life insurance policy during your lifetime. If planned properly this arrangement produces very attractive results.
Recent changes in tax legislation necessitate a review of existing buy-sell agreements and/or corporate owned life insurance. Grand fathering of old arrangements could prove to be invaluable.
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A very effective solution for two parties where one needs life insurance coverage and the other has a need for a tax sheltered investment vehicle.