Factors that influence

• Estate wishes are effectively implemented
• To cost effectively address capital gains and other taxation issues in your estate
• To escape probate and provide liquidity
• To address challenges of equality to your will and estate
• To fund buy/sell agreements long term
• To permanently lock-in rates + ensure coverage lasts a lifetime

Permanent insurance cost may be substantially less than the costs of taxation, or savings required for other needs via alternative investments strategies.

ESTATE PLANNING BENEFITS OF LIFE INSURANCE

Designating Eligible Beneficiaries   E+O.E.

Subject to	Stocks, Bonds, Savings Mutual Funds, Bank GICs,	Life Insurance + Insurance Company Investment Products
Probate Fees (E.A.T.)	Up to 1.5%	NIL
Legal Fees	3 – 6% Average	NIL
Accounting / Trustee Fees	2 – 5% Average	NIL
Fund Distribution	Can take months or years	Upon proof of death
Privacy	Public Record	Private
Potential for Creditor-  Protection	No	Yes
Death Benefit  Guarantees Investments	No	Yes – subject to conditions, restrictions from insurer
Potential Estate Costs	Up to 12.5%	NIL