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    When properly structured, life insurance creates significant living benefits for a business owner and their family.
    Few products act as both a tax exempt wealth transfer vehicle and an asset class in Canada. Life insurance also provides a prompt source of liquidity protecting both your family and the business in a worst case scenario.
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    Succession often poses a serious challenge for most business owners as different family members often have different wants and needs.
    There is usually agreement that the company produces the wealth. Life insurance provides a prompt source of tax-free cash when it is needed most. This buys the family the time to make the tough decisions.
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  • You need Flash player 8+ and JavaScript enabled to view this video.
    Tax planning provides significant opportunities for both the company and the family.
    Efficient tax planning provides more operating capital for the company as well as consumption capital for you and your family. It is important that a business owner understands the benefits of tax-exempt life insurance from a tax planning perspective.
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  • You need Flash player 8+ and JavaScript enabled to view this video.
    Estate planning is essential for any business owner where there are complex challenges and significant assets.
    Effective estate planning makes both the business and the family more tax efficient. Life insurance addresses many complex estate issues and allows for the efficient transfer of wealth from the company and its shareholders to the family.
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  • You need Flash player 8+ and JavaScript enabled to view this video.
    Multiple shareholders of a company often have a shareholders agreement. The critical consideration is not how shares will be purchased, but how the share purchase is funded. Even if surviving shareholders or the company has the cash on hand - life insurance is the most efficient funding mechanism due to the tax advantages.

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Industry Articles

September & October 2018 CLU Comment

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 311 for September & October 2018. This edition of Comment looks at three issues: total remuneration extends beyond salary, Canadian generosity, and corporate ownership of a … read more

July & August 2018 CLU Comment

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 310 for July & August 2018. This edition of Comment looks at three issues: transferring a life insurance policy, working with the capital dividend account, and … read more

May & June 2018 CLU Comment

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 309 for May & June 2018. This edition of Comment looks at three issues: expanding the CRA’s inventory of data assets, measuring the economic cost of … read more

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Blog Entries

Banks consider legal action against Statscan

  “Canada’s banks are considering legal action to prevent Statistics Canada from obtaining their clients’ banking records without consent as the federal agency faced criticism from several fronts Thursday during a special Senate hearing,” wrote Bill Curry for The Globe … read more

Statscan facing heat for wanting banks to hand over financials

  “Statistics Canada is facing heat for its proposal to make Canadian banks hand over the financial information of 500,000 individuals in order to perform an analysis of spending patterns. A Conservative senator said on Thursday that the plan was … read more

Canadian lawyers advise against lying about cannabis use at borders

  “Al Larocque says he’s always been truthful when crossing the border,” wrote Guy Quenneville for CBC News on October 30, 2018. Quenneville continued, “But if the Fruitvale, B.C., resident is asked by U.S. border agents if he’s ever smoked marijuana, he knows … read more

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