LIFE AND ACCIDENT AND SICKNESS INSURANCE

INCOME REPLACEMENT AND PROTECTION Death of a spouse or parent  Tax-free proceeds used to generate investment income. Disability or Critical Illness  Monthly income received in case of disability. Lump sum received in case of critical illness.  Illness Annuity Plan   Great hedge against increase in health care costs. Monthly income provided for quality care you desire. You will not have to sell your home or drain your savings and investments.   Maximizing after tax Estate Value Insurance proceeds are paid tax-free. Effective way to pass on the greatest amount of wealth to next generation or a special charitable cause.

TAX SHELTERED INVESTMENT GROWTH Universal Life Portion of the montly premium is invested to create a cash value. Policyholder assumes the risks associated with performance of  investments. Insurance and investment costs are clearly itemized.   Dividend Paying Participating Permanent Life  Policyholder participates in tax-free dividend distribution. Institution assumes investment management risks. Once dividends are declared they are guaranteed. Solid rates of return display very little volatility due to predominant use of conservative type of investments (bonds, mortgages, real estate, preferred shares). Use to create stable pension income over the long term.    BUY-OUT OF BUSINESS PARTNER'S ESTATE Use buy-sell agreement with insurance policy to purchase ownership interest of partner or shareholder. Benefits estate that is not interested in the business.

 All mutual funds and approved exempt securities are provided by Portfolio Strategies Corporation. All other products and services are provided by Brian Lepicq.