Traditional Needs

Personal Insurance Needs:

• Term Insurance coverage
• Permanent Life Insurance solutions
• Disability Income Plans
• Critical Illness Coverage
• Long Term Care Insurance
• Life Insurance Strategies
• Enhanced Income Plans

Business Insurance Needs:

• Buy-Sell Agreement Funding, (life, disability, retirement)
• Key-person coverage,
• Debt/finance coverage,
• Knowledge based values, for the researcher/inventor etc.
• Business Succession Planning

Basic Estate Planning Needs:

• Insure the RSP liability,
• Preserve the family cottage,
• Paying the deferred tax liabilities,
• Estate equalization issues,
• Estate creation,
• Enhanced lifetime incomes,
• Estate equalization strategies,

Specialized Needs:

• Handicapped children, funding trusts
• Charitable gifting strategies
• Marital/financial uncertainty with regard to the next generation.

 

Advanced Planning

Personal Situations:

• Personal Tax-sheltered UL policies – (Insured Income Plans),
• Personal Insured Annuities,
• Estate Maximization,
• Charitable Gifting Strategies,
• Leveraging Life Policy Values

Professional, Holding & Operating Cos.

• Owning life insurance tax-effectively,
• Tax-sheltered Universal Life policies (Corp. Insured Income Plans)
• Corporate Insured Annuities
• RCA (basic and leveraged)
• Individual Pension Plans, (IPP)
• Leveraged strategies for income
• Leveraged strategies that provide enhanced long term savings.

Putting together multiple concepts for maximum benefits:

I.e.: The client buys a Personal Insured Annuity for enhanced income needs.

The "insurance policy" that guarantees the concept is a Universal Life policy, with tax shelter investment capacity.

Now we have a pure, income-tax sheltered environment, in which to place some investment funds, in order to maximize investment growth. This is most effective when the funds are corporate owned.