Insurance | Investco Financial

Solutions d'assurance

Nos solutions d'assurance sont conçues pour protéger ce qui compte le plus : vos revenus, vos actifs, votre famille et votre entreprise. Chez Investco Financial, nous pensons que l'assurance est plus qu'une simple police d'assurance ; c'est une stratégie pour protéger votre patrimoine, préserver votre héritage et vous donner la confiance nécessaire pour saisir les opportunités de la vie.

Nous adoptons une approche personnalisée, vous aidant à identifier les risques potentiels, à évaluer vos besoins et à concevoir des solutions sur mesure qui évoluent à mesure que votre vie et vos circonstances changent.

Advanced Insurance Planning

Planning Services Group

Investco Financial has an Advanced Insurance Planning Services Group that offers in-depth knowledge and experience, the ultimate support, and customized insurance solutions. Our team approach to each case is part of a long-term consultative relationship with you and your other professional advisors, such as lawyers and accountants, to create strategies that fit your life, your business, and your long-term goals. With our guidance, you can feel confident that every detail is covered.

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Charitable Giving

Life insurance can be a powerful way to support the causes that matter most to you. By donating a policy or naming a registered charity as a beneficiary, you can create a lasting legacy while also receiving valuable tax benefits.

There are two common ways to give through life insurance:

Donate the policy itself and continue paying the premiums.
Gift the death benefit by naming a charity as the beneficiary.

Both methods a meaningful impact and maximize the value of your giving.

Leveraging

Life insurance policies are purchased for many reasons including:

to pay tax and other liabilities on death,
funding shareholder and partnership buy-sell obligations,
provide funds needed for estate equalization, bequests and charitable gifts.

In addition to the benefits that life insurance provides on death, the cash surrender value of an insurance policy represents an asset that can be provided as security for borrowing purposes while the insured is alive.

Policy Transfer

A change in life's circumstances may result in the need to reevaluate the ownership of a life insurance policy. For instance, the operating business owns insurance on the life of the shareholders and the business is going to be sold; a policy may have been purchased personally but to meet estate planning and succession objectives the policy should be transferred to a corporation; or a policy is no longer required and is going to be donated to a charity. Changing ownership of a life insurance policy will result in a disposition of the policy.

Post Mortem Planning

When a business owner passes away, careful planning is needed to avoid unnecessary taxes on the value of their shares. Without the right strategies, the same assets can be taxed more than once, reducing the wealth passed on to loved ones. Life insurance can play a key role in this process. Proceeds from a corporate-owned policy can be added to the company’s capital dividend account, allowing tax-free payments to shareholders and helping reduce or eliminate the tax burden on the estate. Post-mortem planning ensures your business legacy is protected, and your family receives the full benefit of your hard work.

Shareholders Agreements

A shareholder agreement is an important part of protecting your business and your family. It outlines what happens if a shareholder passes away, becomes disabled, or wants to leave the business. Having this agreement in place helps avoid conflict and ensures a smooth transition for everyone involved.

Insurance is often used within these agreements to provide the funds needed to buy out a shareholder’s shares. This protects the business, the remaining shareholders, and the shareholder’s family.

Pourquoi l’assurance est-elle importante ?

Il couvre vos engagements financiers.
Cela permet à votre famille de maintenir son niveau de vie.
Elle couvre les frais liés au décès.
Cela vous permet de laisser un héritage.
Il assure la continuité des activités.
Elle complète la couverture d’assurance offerte par votre employeur.

SAVIEZ-VOUS?

Vous n’êtes jamais trop jeune pour souscrire une assurance vie, car plus vous êtes jeune, plus le coût de votre prime est bas, quel que soit le type de couverture que vous choisissez.

Vous pouvez toujours réévaluer le type d’assurance qui vous convient pour vous assurer d’être correctement couvert.

Insurance Products

Life Insurance

Offers coverage with benefits like death benefit, cash value, and tax advantages, providing protection for assets. Learn More

Heath & Dental

Covers medical and dental expenses, protecting against unexpected costs and ensuring quality healthcare. Learn More

Critical Illness

Provides a lump-sum benefit upon diagnosis of a serious illness, helping cover medical expenses and lost income. Learn More

Travel Insurance

Covers medical emergencies, trip cancellations, and lost luggage for Super Visa applicants and travellers. Learn More

Disability Insurance

Ensures a steady income if you're unable to work due to injury or illness, offering financial stability.

Learn More

Business Insurance

Business Overhead Expense
Employee Benefits
Key Person Coverage

Learn More

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