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Permanent Life Insurance

Who is best suited to use Universal Life for the investment benefits?

The individuals who may gain the most from Universal Life are those who: • plan to carry life insurance all your life; • have considerable extra cash flow after you contribute to your Registered Retirement Savings Plan (RRSP) and (Tax Free Savings Accounts)...

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Why is Universal Life Insurance an excellent Estate Planning tool?

There are several reasons why people use Universal Life (UL) for estate planning. The death benefit is adjustable. The amount of life insurance can be increased or decreased to reflect your changing needs. If the death benefit remains level, eventually the...

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How can Universal Life help business-related estate planning?

Universal Life strategies can help business related estate planning in these ways: Protect your business assets. If you own a business and die, will your partners be able to pay for your share of the company? Why not insure your life, and the lives of the...

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Universal Life Insurance (UL) offers cash accessibility

When you purchase a Universal Life policy you have certain amount of flexibility and accessibility to your money. • Premium payments are flexible. You can pay what is referred to as a minimum premium. If you want to pre-fund the policy with more money, you...

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Universal Life Insurance (UL) offers adjustability

With a permanent Universal Life Insurance (UL) policy, there are many options and tax advantages available within the plan. Death benefits may vary, funds can be invested in tax-sheltered accounts, cost and types of insurance can be manipulated – all to the...

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Universal Life Insurance

There are many compelling reasons to combine your investments in a tax-advantaged life insurance policy. Tax advisors have been pointing their wealthier clients to these unique policies for years. Let’s examine some of the tax benefits, investment options,...

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What tax advantage does life insurance offer?

There are certain life insurance policies offered with interesting tax-planning advantages. Legal tax exempt rights are allowed in our tax legislation in relation to life insurers, which allows the possibility to accomplish the following. Premiums over and...

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What types of permanent life insurance are available?

There are several different types of permanent insurance some of which policies are similar. Whole Life, also called “ordinary life insurance”. This traditional permanent life insurance will cover the insured for his/her entire (whole) life. The...

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How can I protect my family with life insurance?

If you have a spouse or children, make sure you have adequate life insurance coverage. There are two types of life insurance. You can either buy pure term insurance coverage or a plan that can last a lifetime with various investment vehicles that can gain...

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