Income Maximizer PLUS™

Designed to Earn More – Tax Free!

There are a lot of available tax systems provided by the Canadian government. You’re probably already familiar with taxable interest vehicles such as treasury bills and GIC’s, as well as tax deferral systems such as RRSP’s. But there are also ways to get the most out of your hard-earned money through tax-free accumulation and tax-free payouts.

Income Maximizer Plus is especially designed to work for you and maximize your wealth by creating what we like to think of as “The Swiss Effect” – tax-free accumulation for life.

How does this benefit you?

If you’re looking for low-cost, permanent life insurance and want the freedom to invest in your business or other qualified investment, the Income Maximizer Plus is for you. This smart strategy combines universal life insurance policy, policy loans, and tax-deductible interest payments to solve several important financial needs. It protects your estate while offering a source of capital for investment purposes.

You Get:

  • Valuable estate protection.
  • A source of capital that you may use for investment purposes.
  • A way to reduce your net cash outlay for estate protection.
  • Guaranteed interest on your hard earned cash.
  • Possible tax-free income in the long-term.
  • Tax-free payout of estate values.
  • Portfolio loan interest that may be deductible if the general conditions for interest deductibility are met.

Take a look at this powerful example.

You invest your hard earned money with an average assumed return of 8%. You deposit $50,000 for the first 5 years. The 3rd column shows you how much you are giving back to the government:

Year Deposit Before Tax Capital
Plus Interest
Cumm. Tax (30%) After Tax Balance
5 $250,000 $299,579 $22,514 $291,812
10 0 $386,002 $67,846 $375,994
15 0 $497,367 $126,249 $484,462
20 0 $640,836 $201,504 $624,222
25 0 $825,706 $298,469 $804,299

Look at the difference if you were to invest on your own versus the Result of Income Maximizer Plus.

Income Max Plus Results Alternative Investment Difference
$1,323,409 $291,812 $1,031,597
$1,459,771 $375,994 $1,083,777
$1,676,163 $484,462 $1,191,701
$1,551,085 $624,222 $926,863
$2,117,658 $804,299 $1,313,359

Find Out More

To learn more about how Income Maximizer Plus can work for you, contact us for a free, no-obligation consultation with one of our financial advisors.

E & O

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