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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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  • You need Flash player 8+ and JavaScript enabled to view this video.
    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

November & December 2018 – CLU Comment

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 312 for November & December 2018. This edition of Comment looks at four issues: spousal support, combatting tax evasion through increased transparency, easing the financial strain of … read more

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

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Blog Entries

Scientists suspect chemicals used to sanitize gym weights & machines affect microbes

  “When environmental engineer Erica Hartmann hits the gym, she sees the floor where people lie down to do crunches as the perfect place to test dust for microbes,” wrote CBC News on December 12, 2018. CBC News continued, “You … read more

Do financial planners get better results?

  “A new report from Charles Schwab shows that U.S. investors with self-directed brokerage accounts (SDBAs) who work with advisors see greater portfolio diversity and higher returns than their non-advised counterparts,” wrote Audrey Carleton for The Globe and Mail on … read more

Loblaws testing “shop and scan” technology

  “Loblaws is ramping up self-checkout with new technology called “shop and scan” — a system that lets people scan their items with a phone app while shopping, saving time at checkout,” wrote Sophia Harris for CBC News on November 21, 2018. … read more

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