Personal Estate Planning using Universal Life

Personal Insurance

  • 100% tax-free death benefit plus fund value

  • Provides liquidity when it’s needed

  • Provides income for the security of your family

  • Eliminates debt at an important time

  • Transfers assets tax-free

  • Immediate Private and Confidential

  • Creditor protected (even from bankruptcy)

  • Equalizes an estate for your heirs

  • Leaves a legacy of value


Universal Life Insurance

  • Your privately designed estate tool

  • More control and flexibility in your investment choices

  • Over 50 world class mutual funds available to choose from

  • A properly designed UL specifically to maximize your priorities and financial desires

  • Flexibility and Timing of your payments

  • Provides cash in retirement

Corporate Estate Planning

Corporate Insurance

  • Insure the continuity of your business

  • Retained earnings – how to protect and utilize

  • Allows 100% tax-free capital dividend on the death of a shareholder

  • Enable tax-free withdrawals from your corporation

  • Estate Equalization
  • Transfer Assets Tax-free


Immediate Finance Arrangement

  • IFA is the most sophisticated of corporate strategies
  • To facilitate the purchase of a needed permanent life insurance

  • Never ties up your capital or retain earnings

  • Allows up to 100% return of premium

  • Arrangement with Manulife Bank

  • Canadian experts in Cash Surrender Value

  • Permanent insurance increases the size of the capital dividend account

  • IFA structures accomplish specific tax management objectives and should be vetted by the client’s accountant

No matter who you are, Scott’s got the help you need.

Team Approach – Scott’s position as a Gold Elite Agent allows him to work closely with a network of tax, retirement and estate planning lawyers and accountants. Together we are ready to support and prioritize your insurance and investment solutions.

Get a personal consultation.

More than 32 years of experience.

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(519) 979-4242