Estate Planning

It's never too early to start planning.

Tax-effective insurance strategies can help protect and maximize the value of your assets that you wish to pass on to your family, favourite charity or other beneficiary. This is done by minimizing the tax you pay on investment growth, as well as those payable when you die.

Estate Planning Solutions are ideal for you if:

  • You are looking for a tax-effective way to transfer your wealth to beneficiaries.
  • Your estate will be subject to capital gains taxation on vacation or rental property.
  • You are looking to give a gift to a charity.
  • You are concerned about asset erosion due to the high cost of long term care.

Life insurance can provide a solution to a wide range of potential objectives when it comes to estate planning. You can use insurance to either create an estate for your heirs or to preserve your existing estate. Although life insurance premiums are generally not tax deductible, the benefit paid out is not subject to income tax.

Contact us today to learn more about including life insurance as a part of your estate plan.

Life insurance can be used to ensure that assets such as a cottage or investment properties do not have to be sold and can be passed on to your beneficiaries. If there is no life insurance in place, does your family have enough cash on hand to cover either the mortgage or tax liabilities on such properties?   You can offset these costs using permanent life insurance coverage. The insurance proceeds will bypass the estate and, therefore, the entire probate process.

Contact us today to learn more about how you can ensure the property stays in the family.

You can use life insurance to provide funds to a charity ensuring your support continues even after your death. Depending on how the plan is structured, you can benefit from either immediate tax savings today or your estate can take advantage of the tax savings upon your death.

Contact us today to help determine which charitable giving arrangement works best for you.

Long Term Care Insurance is a great way for you to preserve your wealth during retirement years. Have you factored in where the money will come from to cover the cost of care in your retirement plan?   Long Term Care Insurance can provide you with the necessary funds to cover the cost of care being received in your home or at a facility.

Contact us today to understand the long term care issues, costs and coverage available to you.

If you are in a position to leave money to either your children or grandchildren, you may want to take advantage of life insurance to maximize the value of your estate upon your death. The tax preferred status of universal life or whole life insurance can often outperform what would otherwise be earned through regular investing.

Contact us today to learn more about leaving an inheritance.

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