Grow and Multiply Your Wealth with Stacking Investments
Stacking Investments lets you earn twice on the same dollar—growing wealth inside a whole life policy while leveraging its cash value to invest elsewhere for additional returns.
The Stacking Investments strategy allows Canadian investors to grow their wealth tax-deferred within a participating whole life insurance policy while leveraging its cash value to invest in other assets. This approach maximizes compounding and provides stable, predictable growth and liquidity.
A Strategy for Tax-Free Growth and Leverage
Stacking Investments offers tax-deferred growth, access to funds for investments, and a tax-free death benefit—ensuring financial security and legacy planning.
What is Stacking Investments?
Stacking Investments is a wealth-building strategy that uses a participating whole life insurance policy to achieve tax-deferred growth and leverage. The cash value of the policy grows through dividends, which are compounded tax-free. Investors can then use the policy as collateral to secure loans from banks with loan-to-value (LTV) ratios of 70% to 100%.
The borrowed funds can be invested in income-generating assets like real estate, private equity, or business expansion, while the original cash value continues to grow. This strategy allows investors to earn in two places at once, maximizing wealth accumulation and providing a tax-free death benefit for heirs.
How it Works
The Stacking Investments strategy uses whole life insurance to grow wealth tax-free, access capital for investments, and transfer assets tax-free to the next generation—ensuring financial growth and security.
Set Up a Whole Life Insurance Policy
Purchase a participating whole life policy to build tax-deferred cash value for growth and leverage.
Grow Cash Value
Dividends increase the policy’s cash value tax-deferred, providing a stable, growing asset.
Leverage for Investments
Use the cash value as collateral for loans with 70%-100% LTV, investing in real estate, private equity, or your business for additional returns.
Pass On a Legacy
Upon passing, the tax-free death benefit covers any outstanding loans, with the remaining benefit paid tax-free to your heirs—ensuring a lasting financial legacy.
Benefits of Stacking Investments
Earn twice, access capital, and build a lasting legacy.
Tax-Deferred Growth
Cash value grows tax-deferred, maximizing wealth accumulation without triggering annual taxes.
Access to Capital
Leverage the policy’s cash value for loans, providing liquidity for investments or emergencies without triggering taxes.
Earn in Two Places
Grow cash value inside the policy while investing borrowed funds elsewhere, maximizing returns on the same dollar.
Secure and Predictable
Whole life policies offer stable, reliable growth through dividends, unaffected by market volatility.
Ready to Start Stacking Your Investments?
If you’re interested in earning twice on the same dollar using Stacking Investments, let’s talk. Contact us today to explore how this strategy can grow your wealth and ensure a secure financial future.
Book a ConsultationComparing Stacking Investments to Traditional Investments
Stacking Investments offers tax-free growth, liquidity, and legacy planning beyond traditional investment options.
Advantages of Traditional Investments
Traditional investments can offer high returns but are fully taxable and lack estate planning benefits and liquidity.
Advantages of Stacking Investments
Offers tax-deferred growth, access to capital without triggering taxes, a tax-free death benefit—ensuring liquidity, flexibility, and efficient wealth transfer to your heirs.
Real Numbers
Consider a 45-year-old investor who allocates $100,000 annually over 10 years into a Participating Whole Life Insurance Policy. This strategy allows the investor to leverage the policy's cash value for additional investments, effectively earning in two places simultaneously. Upon the insured's passing, a substantial, tax-free death benefit is provided to beneficiaries, ensuring a lasting financial legacy.
A Legacy for Generations
The Stacking Investments strategy secures a tax-free death benefit for your heirs, ensuring a lasting financial legacy and preserving wealth across generations without the burden of estate taxes.
The Stacking Investments strategy is rarely promoted by traditional banks. It’s offered by specialized advisors who understand its tax-free growth, liquidity, and legacy benefits—making it a powerful but less-known strategy.
They say the best time to plant a tree was yesterday, and the second best time is today. The same goes for financial planning—you may need time for your plan to grow, but the sooner you start, the better. Taking action now gives you more opportunities to build wealth, protect your assets, and secure your future. The key to long-term success is starting as early as possible.
Client Testimonials
See how our strategies have been successful from our clients.
"We worked specifically with Jordan who was knowledgeable, thorough, and patient."
We worked with Safe Pacific Financial to help us find the right life Insurance policy for us, and we are very happy with the service they provided. We worked specifically with Jordan who was knowledgeable, thorough, and patient with our many questions. We would certainly work with Safe Pacific Financial again and would recommend them to friends and family.
"Jordan was amazing to work with!"
Jordan was amazing to work with! He was patient and understanding when it came to answering all my questions and concerns. I highly recommend Jordan for any financial needs!
"Jordan was able to explain them in a simple and digestible manner."
My wife Brooke and I had a great experience working with Safe Pacific and their team. Although some of the insurance industry and the investment products can be complex, Jordan was able to explain them in a simple and digestible manner which really helped us to understand the long term value. I would highly recommend the Safe Pacific team and we look forward to working with them more in the future.
"Had a great experience with Safe Pacific."
Had a great experience with Safe Pacific. As someone who doesn't understand the business of insurance, I was not stressed at all with the process and Jordan and his team made it smooth and explained the entire process. They were responsive in a timely manner and helped me get a great deal on my disability insurance. Would highly recommend!
"Would highly recommend their services and support."
Jordan and Megan were very helpful in helping my partner and I secure term insurance and CI insurance. We talked with both of them about our current situation and context, and Jordan was able to walk us through the options and clearly laid out his recommendation. He answered all of our questions and followed up promptly as we moved along with the selection and registration process. Would highly recommend their services and support.
"They always make me feel like a priority."
The great thing about working with Safe Pacific is the personal touch they add to the service and how they always make me feel like a priority. Thanks Laurent and Rob for taking care of me.
"I highly recommend them to my colleagues."
I have worked with Robert Trasolini and Laurent Munier several times and I find them extremely helpful when it comes to Life, Critical illness and Disability insurance. They are able to explain things clearly and are really great guys to work with. I highly recommend them to my colleagues, clients and friends.
"Every step of the process."
Robert recently helped me acquire life and critical illness insurance. Not only did he explain every step of the process and walk me through it in a thorough and detailed manner, but Rob is great at taking complex terms and concepts and explaining them in simple, easy to understand manner.
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At Safe Pacific, we’ve spent over a decade helping Canadian families implement innovative wealth-building strategies like the Waterfall Concept. Contact us today to learn how this approach can work for your family’s unique financial goals.
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