Sales concepts

The Estate Needs Calculator is a tool designed to project the costs of disposition of assets upon death to provide a clear picture of what costs will apply to the client’s estate.

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The Critical Illness Impact Calculator (CIIC) is a tool designed to demonstrate how an unforeseen illness could impact savings that are destined for retirement.

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The Wealth Escalator Plan demonstrates to your clients how they can use permanent life insurance as a tax-efficient solution to accumulate and hand down an estate, especially if they have maximized their contributions to registered plans.

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The Insured Retirement Plan is a financial strategy that provides clients with permanent life insurance coverage and the opportunity to supplement their retirement income. This strategy is ideal for clients who have maxed out their RRSP or pension plan contribution limits.

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Planned giving of a new life insurance policy is a concept that allows clients to use permanent life insurance to achieve their philanthropic goals. It’s a win-win strategy. It benefits the client while they’re living, because they’re the insured and the one paying the life insurance premiums. Because the premium payments are considered to be a gift, the client will receive an official tax receipt they can use to claim charitable tax credits. Upon the client death, the registered charity they’ve selected will receive the policy’s death benefit which, in most cases, will be considerably higher than all the premiums the client will have paid.

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The Health Priorities - Child concept provides a means of illustrating this policy coverage. Health Priorities – Child offers permanent critical illness insurance for children on an individual basis, premiums are fully paid in 20 years

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This strategy has been designed for your retired or soon to be retired clients who have non-registered investments like GICs, Canada Savings Bonds, etc. It is designed to combine the benefits of an annuity with life insurance, thereby, generating a higher after-tax income than their current investments. Furthermore, the original value is maintained as an inheritance for your client’s heirs or the charity of their choice.

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The Generational Legacy Plan is a flexible financial strategy that empowers clients to provide for their child’s future financial security by using a cash value life insurance policy on their child’s life to provide a financial foundation when the insured child needs it in the future.

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The Small Business Passive Investment Income Impact Calculator concept (PIIIC) demonstrates to your business owner clients the tax impact of losing access to the small business deduction (SBD) because their corporation has too much passive investment income.

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The Executive Health Plan (EHP) provides Canadian-owned incorporated business owners with the opportunity to hold critical illness insurance coverage jointly with their corporation. The financial benefits and tax implications are shared between the corporation and the insured, as they also share expenses based on an actuarially derived formula.

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The Corporate Wealth Escalator Plan uses corporately owned permanent life insurance as a means to significantly increase the value of the estate of a departing shareholder. This financial strategy illustrates how purchasing life insurance with cash surrender values can offer a greater estate value than using the same funds to purchase a taxable investment within the corporation.

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The Essential Passive Income Concept (EPIC) is a flexible, strategic planning approach that provides a tailored suite of solutions that can help your clients reduce their company’s current and future taxes, provide comprehensive risk management tools, and enhance their estate and retirement options.

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The Corporate Income Tax Optimizer (CITO) offers a strategic framework to help owners of incorporated businesses assess the tax implications of passive investment income. It explains the benefits of investing in corporate-owned life and critical illness insurance. These include reducing tax impacts, providing non-taxable benefits in the event of death or covered critical illness, increasing business liquidity and providing retirement income as needed.

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The Corporate Insured Retirement Plan (CIRP) shows shareholders of Canadian-controlled private corporations (CCPCs) the benefits of protecting their corporation with permanent life insurance. It's also a financial strategy that provides additional tax-efficient retirement income.

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