Corporate Owned Life Insurance (COLI)
Deferred Compensation Solutions
Life Insurance Design
Life Insurance in Canada is the only vehicle that can guarantee a superior yield when comparing any long-term succession capital asset that has the invaluable mortality component attached to it.
We design our life insurance strategy solutions with that view in mind. Our design philosophy is Long-term superior returns, with a mortality asset to mitigate one of the biggest risks in life.
Understanding the goals is the first step in designing an appropriate solution: all guarantees; cash value or no cash value; increasing coverage; limited capital deployment; defined capital deployment periods; most importantly, maintaining complete flexibility.
Impaired Risk Mitigation
Reduce impaired risk charges on difficult to price policies. In some cases using our proprietary technologies our case designers can enhance the performance of some pricing limitations normally associated with difficult health issues for wealthy clients. By removing restrictions we are able to enhance the performance of out client’s wealth preservation and succession planning. Our clients no longer need to let adverse pricing inhibit their solution universe.
Asset Capital Class Management
Diversification is a word often (over) used when attempting to mitigate certain risks (i.e. market risk).
Understanding the capital classes of assets that you have, and properly identifying the allocation between:
1. succession capital, and
2. lifestyle capital, is a first step in managing the risks associated with each asset class, and the expectations of each asset class.
At Succession Canada we work with many philanthropic individuals that support a wide variety of causes in the Canada. They recognize that our design ability offers them the luxury of making a very significant gift to one or more charities, at cost that is very minimal. The capital outlay can be significantly reduced through or design models.
Coupling the income tax benefits of making a charitable gift with the income tax benefits associated with a tax exempt life insurance product, charitably minded individuals have a unique ability to make a great gift at a low cost. When we add our design features to the overall strategic plan, the cost of the gift and the capital outlay can be very minimal.
Partnering With Succession America, Inc.
Our sister company, Succession America, Inc. is based in Chicago Illinois and operates throughout the USA. Currently licensed in 18 states, and all others through affiliation, Succession America, Inc. works with high net worth individuals across the USA.
In a Global environment, Succession America, Inc. and Succession Canada Inc. are able to meet the needs high net worth families that are multi jurisdictional.
Succession America, Inc. provides access to the US markets for affluent foreign nationals including Canadians.