……andand belonged to a group belonged to a group that offered that offered

support in times of need. support in times of need.

And as time And as time progressedprogressed

The Fraternal Order of ______The Fraternal Order of ______

_______________ Guild_______________ Guild

_______________ Church_______________ Church

Organization _____________Organization _____________

……and thus, began the shift to personal and thus, began the shift to personal independence and security for your independence and security for your loved ones.loved ones.

Advances in communication Advances in communication made the world a smaller placemade the world a smaller place

thenthen

For Short term need Inexpensive in early yearsVery expensive at older agesCoverage until age 75 to 80No flexibility Tax free to beneficiary

For Life long needLevel costTax Sheltered GrowthDividend basedTax free to beneficiaryGuaranteed growthEarns Dividends

thenthen

For Short term need Inexpensive in early yearsVery expensive at older agesCoverage until age 75 to 80No flexibility Tax free to beneficiary

““the mother of invention”the mother of invention”Ah! Ah! Ha!Ha!

MythMyth:: The only way to accumulate The only way to accumulate money “Tax Deferred”is in an RRSP!!!money “Tax Deferred”is in an RRSP!!!

FactFact:: The RRSP advantage is for The RRSP advantage is for immediate tax relief and retirement immediate tax relief and retirement income.income.

Problem:Problem: The funds are taxed 100% The funds are taxed 100% as as they are withdrawn.they are withdrawn.

Cash Value in a Cash Value in a

Life Insurance contracts growLife Insurance contracts grow

Income Tax Act Income Tax Act (s. 148)

Tax Deferred Cash ValueTax Deferred Cash Value

Do you want a game plan that letsDo you want a game plan that lets you you choose how and when you retire?choose how and when you retire?

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