Affluent and Established

You're between 35 and 55 years old and married. You’re either a professional or a business owner. You expect a professional, planning-based approach that focuses on your financial goals. You want help with tax-advantaged opportunities and recognize the need for a team of expert advisors to help you assess your financial needs.

You're concerned about whether your assets will provide enough liquidity to meet your diverse needs, especially if you or your spouse become incapacitated. Your primary goals include planning for your children's or grandchildren's future needs. You likely own a vacation home or want to ensure your travel plans don’t compromise your financial independence.

Your needs may include:

• Covering a mortgage, business or other loans
• Providing a tax-effective way of supplementing retirement income for you and your spouse
• Ensuring that your spouse's lifestyle is protected
• Ensuring that taxes owing on your estate are paid, leaving your assets intact for your heirs
• Providing the necessary resources for your children's or grandchildren's future
• Leaving a legacy for your heirs or a favourite charity
• Meeting your business-related financial security needs

Here’s how our life insurance can help:

• Permanent life insurance puts your premiums to work for you by providing a savings component that you can use to help meet future financial needs or opportunities over your lifetime.
• Some permanent life policies have cash values that may accumulate over time on a tax-advantaged basis and can help finance a business opportunity, a sabbatical or your retirement.
• A permanent life insurance policy is an ideal way to accumulate tax-advantaged savings while you’re alive and helps you leave a meaningful gift, outside of your estate, to your heirs or favourite charity.
• If you own a business, you can use a permanent life insurance policy to help ensure your business survives your death or the death of a partner or key employee.
• Proceeds from a permanent life insurance policy can provide your heirs or estate with liquidity needed to pay final taxes, capital gains and settlement costs so that you can preserve as much of your estate as possible to pass on to your heirs.
• Term life insurance can save you money by providing more coverage for lower premiums and offering you the flexibility to convert to permanent life insurance in the future.