Why Canadians Choose Cash Value Life Insurance?
✅ Your Money Grows Tax-Free – No capital gains tax, no surprises.
✅ Borrow from Your Policy – Instead of paying taxes you access funds anytime.
✅ Guaranteed Growth – Unlike stocks, your policy’s cash value never decreases.
✅ Pass Down Wealth Tax-Free – Your heirs receive a 100% tax-free payout.
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Case Study:
Meet David, a 45-year-old business owner. He wanted a strategy to protect his family while also growing his wealth tax-efficiently.
Instead of putting all his extra earnings into taxable investments, he chose a high cash value life insurance policy.
🔹 He funded his policy with $50,000 annually.
🔹 By year 10, he had over $600,000 in cash value.
🔹 He borrowed $200,000 from his policy tax-free to reinvest in his business.
🔹 At retirement, he had more than 1 Million that he used in his retirement tax-free. Which otherwise had to pay 50% in passive income tax.
David not only secured his family’s financial future but also leveraged his policy for business growth—all while keeping more money away from taxes.
❌ Who This Is NOT For?
❌ Someone looking for the cheapest term insurance with no long-term benefits.
❌ Someone who has not maximized TFSA, RRSP, or FHSA accounts.
❌ People who do not plan to build wealth and save taxes.
❌ Individuals who are unwilling to commit to a long-term financial strategy.
We focus exclusively on high-cash value policies that perform well over time.
Some advisors may offer life insurance policies with low cash accumulation, leaving you with little to no value in the future.
However, our expertise is in prioritizing only policies that maximize your cash value, giving you the best financial advantage.
✅ Who This Is For?
✅ Business owners and professionals who want to save taxes, build their retirement plan, and pass on wealth tax-efficiently.
✅ Investors who want to use the cash value to fund other investments.
✅ High-income earners looking for a better alternative to RRSPs and TFSAs.
✅ People who want stable Tax Free growth which is not linked to the stock or real estate market.
✅ Parents who want to secure their family’s financial future.
✅ Anyone who wants to borrow against their policy for investments, emergencies, or retirement.
TESTIMONIALS
Trusted by Canadians
"I feel i am protected"
I was paying too much in taxes. I maxed out my TFSA but needed another tax-efficient option. I started contributing $100K/year into a high cash value life insurance policy, and now I have a tax-free retirement fund.
I can borrow against it anytime without penalties, and my money keeps compounding, tax-free. Instead of relying on taxable investments, I’ll use policy loans for retirement income,no taxes, no market risk. This strategy is a game-changer!
"Retirement Backup Plan"
I maxed out my TFSA and RRSP, but I was worried what if market crashes. Shall i use GICs but pay half in Capital gains. By putting $30K/year into a cash value life insurance policy that Manish provided, I built a tax-free safety net. If I need extra money in retirement, I can access it without taxes or restrictions. It gives me peace of mind knowing I have guaranteed, liquid funds, no matter what happens in the markets.
"Genuine Advice"
As a investor, I needed a tax-efficient way to park my cash while keeping it accessible for future deals. I contribute $150K/year into a high cash value life insurance policy, which grows tax-free and allows me to borrow against it at any time. Instead of using traditional bank loans, I leverage my policy to fund real estate purchases, all while my money continues to compound untouched. It’s the perfect strategy to grow my wealth while keeping more of my profits away from taxes.
"Time Saver"
I wanted a way to protect and grow my wealth beyond RRSPs and TFSAs. I started putting $75K/year into a high cash value life insurance policy, and now I have a liquid, tax-free asset that I can access whenever I need.
I took a loan one time, policy acts as a safe, tax-efficient asset and ensures my family gets a 100% tax-free inheritance. Unlike market-based investments, I never have to worry about downturns—my money only grows.
Then How the Loan Is Paid Back?
When you borrow against your policy’s cash value, you have multiple repayment options:
🔹 Pay Interest Only – Keep the loan balance while maintaining policy growth. This is mostly less than what you would have paid in capital gains tax and personal tax combined.
🔹 Make Partial Repayments – Reduce the loan over time as your cash flow allows.
🔹 Let the Policy Cover Itself – The loan can be repaid using the policy's death benefit, meaning you never have to worry about out-of-pocket payments.
The flexibility of cash value life insurance loans makes them a powerful financial tool, allowing you to access funds without disrupting compounding and your long-term financial strategy.
Insurance Made Easy
1/ Talk With Experts
Fill out a short form and Talk with professionals who have setup multiple policies for High Cash Value.
2/ Get Qualified
We will validate if you can qualify for this strategy, and you can ask any question regarding your situation.
3/ Submit application
Once confirmed, we will submit the application to the insurance company, and they will validate whether they can provide you with insurance. Then, our last step will be implementation.
Still Have Doubts? Let’s Bust Some Myths!
❌ The policy doesn’t provide enough growth.
Our priority is to ensure you get the most value out of your policy. It's important to note growth in the stock market vs growth in HCLI is like comparing apples to oranges. Your risk tolerance depicts the growth outcome.
❌ “I’d rather pay taxes than life insurance"
You can certainly do it. But if you know there is a better way to do things, wouldn't you? Capital gains will increase from 50%, your personal tax bracket will also increase. Cash value life insurance helps you to avoid giving away your money.
❌ “I have maxed my TFSA, RRSP I don't need to invest in life insurance.”
While this is a choice, if the stock market crashes during the first year of retirement, wouldn't you feel better knowing there is an asset that will never go down, and you can borrow the cash value to invest even in the market to buy the dip?