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Insurance / Tax Minimization / Asset Protection

Insurance Planning for the High Net Worth Investor

It is a common notion that insurance strategies at their most fundamental level are about managing risk and protecting against future financial loss; that, for the main-stream investor, insurance serves the purpose of protecting debt, a mortgage, a child’s education, or to care for loved ones after they die. And it is a fairly common belief that high net worth investors do not need insurance for such purposes.

As a high net worth investor, you may be surprised to learn that insurance solutions have a place in your investment strategy and your overall financial plan as well. Regardless of market performance and accumulated wealth, most people would rather leave more of their hard earned wealth as a legacy and less to the Canada Revenue Agency. Insurance solutions can play an integral role in ensuring that your net worth is preserved during your lifetime and, at death, lessen your tax liability and help to transfer your wealth as efficiently and effectively as possible.

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Insurance Planning

 

Tax Minimization

Insurance solutions are ideal to safeguard the value of your assets in a tax-efficient manner. Tax-exempt life insurance shares certain characteristics with other types of investments, however no other asset allows for all of the following…

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Minimize Taxes

 

Caring for your Health

One of the great advantages of modern technology is an increased longevity as well as allowing more people to survive once fatal medical conditions. However, the unfortunate reality is that many survivors must bear a heavy financial burden for medical treatment, health care,
and maintaining quality of life. Your health could actually have a greater impact on your savings than the performance of the market. Fortunately, there are solutions that can help address these issues.

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Caring for your Health

 

Create a Legacy

While assessing your plan for retirement and beyond, one element you’re likely considering is the legacy you will leave your loved ones.
The key to effective estate planning is to minimize estate tax and maximize the amount of wealth that is transferred to the next generation. But how? Life insurance offers a unique approach.

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Create a Legacy

 

Charitable Giving Strategies

Charitable giving is an important priority for many Canadians. Giving reflects our values and commitment to make a difference in the community – or around the world. There are ways, however, to help more by employing tax-effective giving strategies.

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Charitable Giving Strategies

 

The Corporate Insurance Audit

A complete corporate insurance Audit will give you an understanding of any possible gaps in order to address your financial needs and goals – whether for yourself, your shareholders, or your business.

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The Corporate Insurance Audit