Why Estate Planning?

The passing of assets from one generation to the next is the cornerstone of family wealth. Shares in private corporations, real estate holdings, cottages and investment portfolios all have ownership liabilities that the next generation needs to understand. Life Insurance is also an asset and can be used to cascade wealth from generation to generation.

“Family wealth is one of the top issues for High Net Worth clients”

Graham Carter, President & CEO of CAP Advisors Inc., spoke with Dan Richards of clientinsights.ca about some of the challenges our clients face and how we structure discussions with them about family wealth.

We Are Helping People Improve
Their Financial Health

No Substitute

There is no substitute for life insurance….not stocks, not bonds, not real estate. Life insurance is a distinct asset class.

Mortgages

Life insurance pays off mortgages, guarantees the continuity of businesses and funds education for children.

Safety Net

Life insurance puts a financial safety-net under your family, your business and your estate.

Essentials

Life insurance provides you with money when you need it most.

Capital Gains

Life insurance can fund capital gains taxes on your business, your cottage and your investments.

According to Life Insurance & Market Research Association (LIMRA), the Top 3 Reasons Canadians own Life Insurance are:

40%

To cover final expenses

30%

To facilitate a transfer of wealth

32%

Because it’s a good/wise/necessary thing to do

How strong is your safety net?

Use our online contact form to arrange a confidential consultation about your insurance planning.

Let’s Talk