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
Illness Annuity Plan
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Great hedge against increase in health care costs.
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Monthly income provided for quality care you desire.
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You will not have to sell your home or drain your savings and investments.
Maximizing after tax Estate Value
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TAX SHELTERED INVESTMENT GROWTH
Universal Life
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Portion of the montly premium is invested to create a cash value.
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Policyholder assumes the risks associated with performance of investments.
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Insurance and investment costs are clearly itemized.
Dividend Paying Participating Permanent Life
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Policyholder participates in tax-free dividend distribution. Institution assumes investment management risks.
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Once dividends are declared they are guaranteed.
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Solid rates of return display very little volatility due to predominant use of conservative type of investments (bonds, mortgages, real estate, preferred shares).
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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.
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All mutual funds and approved exempt securities are provided by Portfolio Strategies Corporation. All other products and services are provided by Brian Lepicq. |