Leverage your life insurance to multiply wealth, increase liquidity, and secure your financial future
This is a customized financial solution that uses a participating permanent life insurance policy as a powerful tool for wealth accumulation and access. It combines the benefits of tax-advantaged growth, flexible capital borrowing, and guaranteed protection. The goal is to create a sustainable system where your money grows steadily and remains accessible for opportunities or emergencies.
Step 1: Acquire a participating permanent life insurance policy
I help you select a policy structured to maximize cash value accumulation while providing lifelong coverage.
Step 2: Build your cash value with strategic funding
Premiums are contributed in a way that accelerates your cash value growth, leveraging dividends and guaranteed interest.
Step 3: Unlock liquidity through policy loans
Once sufficient cash value has built up, you can borrow against it. These loans provide ready cash without triggering taxable income and do not require external approvals.
Step 4: Continue growing your account while borrowing
Even with outstanding loans, your policy's cash value continues to grow, creating an opportunity for dual growth—your loaned funds can be used for investments or other needs.
Step 5: Preserve and pass on your wealth
When the policy matures or upon your passing, the death benefit pays off any loans, and remaining funds transfer to your beneficiaries tax-free.
Entrepreneurs and professionals seeking tax-efficient wealth accumulation
Individuals with maximized contributions in RRSPs and TFSAs looking for alternative growth vehicles
Those wanting reliable access to capital without selling investments or facing market risks
People focused on legacy planning with a secure insurance foundation
Tax-sheltered growth: Your cash value grows free of annual tax, enhancing compounding effects
Flexible access to funds: Loans from your policy provide liquidity with minimal restrictions
Dual growth: Policy value and borrowed funds both work towards building your net worth
Protection from creditors: Many policies offer protection for your cash value in case of lawsuits or claims
Legacy planning: Ensure your family receives a tax-free inheritance while maintaining your financial flexibility
With disciplined funding of $4,000 monthly for a decade, your Strategic Wealth Growth Account can accumulate significant tax-free cash value and a death benefit exceeding one million dollars, giving you a flexible, tax-advantaged financial resource.
Commitment to regular premium payments over multiple years is necessary
Interest on loans compounds and should be factored into your repayment strategy
Early policy surrender can result in financial penalties or reduced benefits
Maintaining loans below adjusted cost base prevents triggering income tax
Ongoing monitoring is essential as tax laws and insurance rules evolve
I design a tailored permanent life insurance plan aligned with your personal and financial goals
I provide clear guidance on maximizing cash value growth and loan utilization
I help you navigate insurance providers and lending institutions in Canada
I offer ongoing support to adapt your plan as your financial situation changes
Schedule a Complimentary Consultation
Discover how the Strategic Wealth Growth Account can be your foundation for lasting wealth, liquidity, and financial security.
