Life Insurance & Estate
Intergenerational Wealth Transfer
Life insurance is a powerful vehicle utilized to preserve wealth in the family bloodline for generations to come.
Extract Corporate Assets Tax-free
Leveraging the use of whole life insurance and the capital dividend account; business owners can remove other assets including real estate and investment portfolios from their company tax-free.
Investment Diversification
Utilizing life insurance as a high yield, tax efficient alternative to traditional fixed income vehicles.
Risk Mitigation
Business owners take enough risk in their day to day operations. Integrating life insurance into your financial strategy provides a liquid, low risk vehicle they can rely on for growth and preservation.
Estate Maximization
There is no such thing as having "too much" liquidity in your estate. Providing an immediate tax-free cash infusion upon your passing, will allow your beneficiaries to make decisions without time or financial restrictions.
Additional Income Stream
There is a cash value component to whole life insurance which is accessible to the owner, and grows throughout the lifetime of the policy.
Buy-Sell Agreements
Make sure partners are bought out fairly while the remaining shareholders maintain control and keep business continuity.
Leverage Premiums & Enhance The Value
Enhance your policy value using an IFA strategy. This allows you to borrow back 100% of your premium contribution, making interest only payments which are tax deductible. The cost of insurance is fractions of what it would be using traditional methods and enriches the values.
