Enjoy A Retirement Income Without Income Taxes!

You’ve worked hard and you want to enjoy a comfortable retirement……

But outside of an RRSP and a TFSA what investment plans allow you to grow your wealth without it being eroded by taxation?  And when you eventually start to draw an income in retirement……..……more taxes!

 

 

 With some proper planning, you can……

•  Grow your wealth in a tax-deferred environment;
• Enjoy a tax free income; and
• Transfer your wealth to your loved ones tax free.

Here is how…….

By utilizing a tax exempt life insurance policy, you can accumulate investments in a tax-deferred environment.  When you desire an income from the program, you can assign your policy to a lending institution as collateral for loan advances which are not considered to be taxable income.

At the time of your death, the lending institution receives proceeds from the policy to retire your accumulated loan.  Any excess amount can go to your beneficiaries tax-free.

 

CASE STUDY

40 year old male & 38 year old female both non-smokers

deposited $20,000 for 20 years in policy vs. investing in a non-registered account

taking income from age 65 (male) to age 85 (male)

age 87 (female life expectancy) estate value is three times greater in policy

LIFE		NON-REGISTERED
INSURANCE	VS	INVESTMENT 5%
ANNUAL INCOME FROM		ANNUAL INCOME FROM
AGE 45 TO 65		AGE 45 TO 65
$                                40,000.00		$                       40,000.00
ESTATE VALUE		ESTATE VALUE
ON 2ND DEATH AGE 87		ON 2ND DEATH AGE 87
$                           1,122,163.00		$                     390,000.00

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