Protect and Maximize Your Corporate Wealth with a Corporate Estate Bond
The Corporate Estate Bond offers tax-free growth and tax-efficient wealth transfer, ensuring your corporate assets pass to heirs without being eroded by high taxation.
Safe Pacific’s Corporate Estate Bond strategy repositions surplus corporate cash into an exempt life insurance policy, allowing for tax-deferred growth. Upon passing, the tax-free death benefit transfers wealth to heirs efficiently, maximizing your estate's value and minimizing taxes.
A Strategy for Tax-Free Growth and Legacy
The Corporate Estate Bond offers tax-deferred growth, tax-free death benefits, and liquidity, ensuring your corporate assets are preserved for future generations efficiently.
What is the Corporate Estate Bond?
The Corporate Estate Bond is a strategic financial solution for Canadian business owners to protect and grow corporate wealth tax-efficiently. By reallocating surplus corporate cash into a tax-exempt whole life insurance policy, it allows assets to grow on a tax-deferred basis.
The policy’s cash value can be accessed for liquidity if needed through tax-free loans, while the death benefit passes to heirs tax-free. Upon the policyholder's passing, the corporation receives the death benefit tax-free, which credits the Capital Dividend Account (CDA), allowing tax-free dividend payouts to shareholders or heirs—ensuring a substantial, tax-efficient legacy.
How it Works
The Corporate Estate Bond uses a tax-exempt whole life insurance policy to grow corporate wealth tax-free, provide liquidity, and transfer assets tax-free to heirs—ensuring financial stability and a lasting legacy.
Set Up a Whole Life Insurance Policy
Surplus corporate funds are allocated into a tax-exempt whole life policy to grow cash value tax-deferred.
Grow Cash Value
The policy’s cash value grows tax-deferred, maximizing corporate wealth and liquidity.
Leverage for Liquidity
Access the policy’s cash value through tax-free loans for business expansion, investments, or emergencies, preserving the policy's growth.
Pass On a Legacy
The tax-free death benefit transfers to your corporation, creating a Capital Dividend Account (CDA) credit, enabling tax-free payouts to heirs—maximizing wealth transfer efficiently.
Benefits of the Corporate Estate Bond
Grow wealth tax-free, access capital, and transfer assets efficiently.
Tax-Free Growth
The policy’s cash value grows tax-deferred, preserving more of your corporate wealth.
Tax-Efficient Legacy
The tax-free death benefit creates a CDA credit, enabling tax-free payouts to heirs.
Access to Liquidity
Borrow against the policy’s cash value for business needs without triggering taxes.
Enhanced Estate Value
The life insurance component significantly increases the estate’s net value.
Secure and Predictable
Unlike market-dependent investments, whole life insurance offers steady, reliable growth.
Ready to Maximize Your Corporate Wealth with the Corporate Estate Bond?
If you’re ready to protect and grow your corporate wealth tax-efficiently, let’s talk. Contact us today to explore how the Corporate Estate Bond can help secure your financial future and maximize your estate’s value.
Book a ConsultationComparing the Corporate Estate Bond to Traditional Investments
The Corporate Estate Bond surpasses traditional investments with tax-free growth, liquidity, and efficient wealth transfer.
Advantages of Traditional Investments
Traditional investments offer potential high returns but are fully taxable, less efficient for estate planning, and lack tax-free growth.
Advantages of the Corporate Estate Bond
- The Corporate Estate Bond provides tax-deferred growth.
- Access to liquidity through policy loans.
- A tax-free death benefit—ensuring efficient wealth transfer, enhanced estate value, and significant tax savings for business owners.
Real Numbers
A business owner invests $300,000 over five years into a Corporate Estate Bond with a $1M death benefit. By year 20, the estate value grows to $1.38M tax-free, surpassing traditional investments’ after-tax value.
A Legacy for Generations
The Corporate Estate Bond secures a tax-free death benefit for your heirs, ensuring a lasting financial legacy and maximizing wealth transfer without the burden of estate taxes.
The Corporate Estate Bond is a specialized strategy often not promoted by traditional banks. It’s offered primarily by expert advisors who understand its tax-free growth, liquidity, and legacy benefits—making it a powerful but lesser-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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