Tag Archive: insurance

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Beyond IPP: Alternative Retirement Saving Strategies in Changing Times

April 26, 2018 4:10 pm Published by

Corporate Life Insurance, a wonderful asset that can be used to accumulate your retirement savings in a tax-exempt vehicle, which thereby keeps it away from tax changes that have cost owners quite a bit over the last 12 months.       IPP or Corporate Whole Life Permanent Policy? “I’m planning to retire, and in this new tax regime I don’t know whether I should pay a higher salary, keep contributing to my RSP and set up an IPP in a company, or consider another alternative?”   Saving for Retirement In light of the new tax changes that prohibit how...

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The Power of Now – Insurance Immediate Finance Arrangements

April 7, 2018 4:16 pm Published by

    We know you care about your loved ones and having a succession plan in place is important to you; however, at this stage in your life and career, you don’t necessarily want to put money away now, knowing that you’ll never get to touch it again. It’s one of the most common concerns about buying corporate permanent life insurance–paying premiums now that will only benefit the next generation.   The Long and Short of It There’s nothing wrong with that life insurance paradigm in theory, but what if you could ensure that the next generation benefits in the...

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Life Insurance as an Asset

March 7, 2018 4:20 pm Published by

When I ask people if they invest in their business, invariably, most contend that they do. However, beyond the more traditional forms of investment, what they’re not always aware of is that there are other beneficial investment strategies to explore.   This usually leads to these more specific follow up questions: Do you need life insurance for risk management? Do you prefer to invest in longer-term investments within your corporate or personal net worth? If the answer is “yes” to both of these questions, a successful course of action would be to do BOTH, using one of the misunderstand and...

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Is Corporately Held Insurance Right for You?

December 10, 2017 4:24 pm Published by

“If the Federal Government removes the Pipeline Method, having corporately held insurance will allow capital gains to be taxed at a lower rate. Now more than ever, corporately held insurance is a sound financial move.” Recently, I’ve been contacted by many lawyers, investment advisors and clients asking about the benefits of Corporately Held Insurance – insurance owned by an incorporated business rather than an individual. It is most commonly put in place when a corporation is profitable and they want to be able to protect their interest if an owner or key employee dies.   Proposed Federal Government Tax Changes...

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