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Protecting your wealth, a key element in your financial plan

Protect and maximize your wealth. Desjardins insurance offers you a strategy for creating wealth through life insurance.

Are you in one of the following situations?

  • You’ve maxed out your RPSP contributions.
  • You’re drawing investment income from a non-registered savings plan.
  • You’ve just come into a large amount of money (e.g., inheritance, sale of business).

Your goals:

  • Grow your savings, tax-free.
  • Maximize the value of your wealth.
  • Minimize tax impact at death.

Maximize the value of your estate, tax-free!

Current income tax law applies 2 types of taxation in the event of your death:

  • On your capital gains
  • On your RRSP or RRIF

You can take out additional life insurance to ensure your heirs inherit the full value of your estate.

This strategy has the following advantages:

  • It minimizes the impact of your death on the value of your estate.
  • It gives your heirs fast access to the liquidity needed for the estate settlement.

To learn more about this strategy, make an appointment with a financial security advisor1.

  1. In Quebec, this refers to a financial security advisor employed by Desjardins Financial Security, Financial Services Firm and assigned to a Desjardins caisse. In Ontario, this refers to a life and health insurance representative employed by Desjardins Insurance.
    Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.

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