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Wealth Management

We aim to grow your assets, secure a comfortable retirement, or leave a meaningful legacy, our dedicated team is here to guide you with expert advice and tailored solutions. Let’s work together to turn your financial aspirations into reality.

Risk Management

Risk Management

Provide financial security to your loved ones and other beneficiaries when you pass away. Discover solutions that may also protect the value of your estate from taxes.


At Investco Financial, we understand how challenging it can be to think about—let alone discuss with loved ones—what will happen after you’re hurt or gone. We can help protect and prepare your family, your estate and the future transfer of your wealth by including insurance in your plans.



Term life insurance

Help give greater financial security to your family and other beneficiaries in the event of your premature death.


The basics

Term life insurance provides coverage for a temporary or short-term need and offers a cost-effective way to help offset expenses related to your passing. Terms may range from one to 30 years. Depending on your needs, these policies may offer flexibility and choice. For example, a policy may include the option to renew your coverage for another like term or convert it to a permanent plan.


Keep in mind that your term life insurance policy is an asset to you and may have the option to change with your needs.


Business owners may want to consider this type of insurance for key employees or partners.



Whole life insurance

Help maximize the value of your estate.


The basics

Whole life is a type of permanent life insurance. Although people view life insurance as a means to replace lost income or provide funds for final expenses like a funeral, permanent life insurance may be a valuable wealth planning tool in other ways.


An option for whole life is participating life insurance, a product intended to maximize estate values with the help of a managed investment approach. It generates long-term growth by crediting policy dividends, attributed to the performance of a diversified investment portfolio managed by the life insurance company.



Universal life insurance

Plan for long-term, tax-sheltered estate growth.


The basics

Universal life combines the security of permanent life insurance coverage with the growth of a tax-deferred investment account. The investment account is managed by the policyholder to achieve long-term estate growth.


As your other assets grow, so does the potential tax bill your estate may have to pay. Your universal life policy benefit may help offset that cost.


A universal life policy may be especially attractive to people who have used up the contribution room in their traditional pools of capital, such as a Registered Retirement Savings Plan (RRSP) or Tax-Free Savings Account (TFSA)—and are looking for another method of tax-deferred saving.


Together, whole life and universal life insurance are classified as permanent insurance providing the opportunity to build cash value. This type of life insurance may provide further opportunities for business owners looking to create a legacy through succession planning or a source of retirement income.



Disability insurance

Help protect your earnings if you can’t work.


The basics

It makes sense to protect your most valued assets against fire and theft with insurance coverage. Yet, if you added up the value of everything you have insured, the figure would pale in comparison to the value of your biggest asset—your ability to earn an income.


Disability insurance replaces a portion of your salary if sickness or injury prevents you from working for a sustained period of time. It helps you maintain your lifestyle when not receiving your regular income.


Business owners may want to consider this type of insurance to cover essential monthly expenses should they become disabled and unable to work.



Critical illness insurance

Help ease the burden of a costly medical condition.


The basics

While you may have insurance coverage for when you pass away, what happens when you’re diagnosed with a critical illness? A severe illness or disease may require additional care, accommodations and a change of pace, which may cause a substantial financial drain on your resources.


Critical illness insurance is designed to give people the opportunity to recover and resume a meaningful lifestyle without the added burden of incurring debt. Proceeds from the policy—a one-time lump sum payment—may be used at your discretion. Some people use the funds to receive specialized care quickly, travel with loved ones, finance a leave from their business or modify their home.


Business owners may want to consider this type of insurance to cover business expenses associated with the loss of a key employee due to a critical illness.



Corporate Wealth Transfer

Settling an estate—and leaving a legacy—can be a complicated process. Insurance can be a tax-effective way to transfer wealth to the next generation, to a charity or out of your business. You and your trusted professionals can rely on our knowledge and experience to help determine which insurance solutions align with your plans.


Help fund your shareholders agreements and plans

Whether as a sole proprietor or business partner, your death can have a devastating effect on your company’s ability to continue. Life insurance may be used to help fund a buy-sell agreement, which would allow your share of the business to transfer smoothly to the appropriate individuals. This agreement helps promote the financial health and viability of your company.


More wealth-transfer solutions

Insurance solutions may also provide you with the opportunity to maximize the net value of your corporate assets when passed on to the next generation.



Make the most of today and tomorrow

We can work with you and your trusted professionals to help create additional wealth during your lifetime and protect the value of your estate for your family and other beneficiaries. Insurance strategies may also help you maximize the wealth you transfer to your heirs.


How insurance may enhance your wealth management

  • May protect your assets from market fluctuations with built-in guarantees

  • Provides liquidity when the unexpected happens

  • Complements your estate planning with the ability to simplify and effectively cascade wealth to the next generation

  • Creates additional value for your estate through tax-deferred growth

  • May be used to offset the impact of taxation at death, allowing your estate to retain additional wealth and ensure the maximum value passes on

  • Enables you to bypass probate, which offers beneficiary confidentiality and the ability to transfer assets privately outside the estate


Let us help you find insurance solutions that address your unique needs.

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