AVANTAGES SOCIAUX
iCAPITAL ALLIANCE
BENEFITS
Is your estate waiting to explode?
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Capital assets such as stocks, mutual funds, and business interests are deemed for tax purposes to be sold at fair market value when you die.
FUND YOUR FUTURE TAX LIABILITIES
Here is the problem:
When you die, your assets can be transferred tax free to your spouse. But, when your spouse dies and the assets are passed on to other heirs, 50% of the increase in the value of some assets will be subject to tax. So, assets like your cottage, stocks, company shares and other investments left to your heirs may be subject to capital gains tax. And this tax is paid before your heirs get anything.
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The ideal solution
Often life insurance can be a flexible and cost-effective solution to help you keep your estate intact for your beneficiaries.
It ensures that your heirs don't lose their inherited assets because of a large tax bill. Your heirs get the property you intended them to receive and you get the peace of mind that comes from knowing this will happen.
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What are your options?
Creating an effective estate plan means making sure your beneficiaries are looked after. There are a number of ways to help pay this tax, but which one is best for you?
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You or your family can start saving today,
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Your heirs can borrow the required funds from the bank,
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Your estate can sell the assets,
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Or, you can purchase life insurance to cover the growing liability.
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