How the Rich Use Life Insurance to Pay LESS Tax in Canada

Book a call with me here: https://calendly.com/d/cwwv-kf2-r3z/meeting-with-danny-pero-the-wealthpoint-team

When most Canadians think of life insurance, they think of a cheque that pays out when you pass away. But what the wealthiest families in Canada know is that permanent life insurance isn’t just protection—it’s one of the most powerful tax strategies left in this country.

In this video, I’ll show you how high-net-worth Canadians use life insurance to:

- Grow wealth on a tax-sheltered basis,

- Access that value tax-free during retirement, and

- Transfer millions of dollars to the next generation—completely outside of probate and without a massive tax bill.

For affluent families who have already maxed out RRSPs, TFSAs, and corporate investment accounts, permanent life insurance can provide one of the last remaining tax-advantaged structures to build and protect wealth.

You’ll learn:

- Why life insurance is treated differently than other investments

- How to create tax-free retirement income using policy loans

- How corporate-owned life insurance avoids double taxation on business assets

- Ways to protect your small business deduction by reducing passive income

- Who should consider this strategy—and how it integrates with estate planning

Life insurance is not just a cost. For wealthy families, it’s a structure that keeps more money in the family instead of in government hands.

If you’ve built significant wealth and haven’t yet looked at how this strategy fits into your plan, you may be leaving a substantial amount on the table. Book a time with me using the link above to see if this strategy makes sense for your situation.
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Видео How the Rich Use Life Insurance to Pay LESS Tax in Canada канала Danny Pero - WealthPoint Canaccord Genuity