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• Walt Disney - Disney World
• Jim Pattison - The Jim Pattison Group
• Ted Rogers - Rogers Communications
• Ray Kroc - McDonalds
• John D. Rockefeller - Standard Oil Company
• Rothchild Family - International Banking
• R. Nelson Nash
• Robert Kiyosaki
• Tony Robbins
• US President Joe Biden and past US Presidents
• Half of US Senate
• Bill Gates
• Warren Buffett

• General Electric
• Nike
• Ford
• Walmart
• Starbucks
• Harley Davidson
• Pampered Chef
• Sears
• J.C. Penney
• US and Canadian Banks - BOLI (bank owned life insurance)
• FedEx
   

 THE INFINITE BANKING CONCEPT IS A BUSINESS SOLUTION IF YOU …

• Want a solution that can protect your business, provide you tax-advantages and your retirement cash flow (by naming the corporation as your beneficiary).
• Intend to protect your business interests by funding a buy-sell agreement to ensure a smooth transition of ownership and continuity from the deceased to surviving owners.
• Wish to fund key-person insurance to cover the cost of replacing and retraining a key employee and minimize disruption to your business.
• Need cash to pay off business debts or loans.
• Want accessible liquidity and cash flow to keep your business running without having to tap into your personal savings.
• Need a solution to manage your assets and liabilities.
• Desire to leverage the cash value as borrowing collateral for a loan with a bank or lending institution to improve cash flow within your business.

WHAT WE SPECIALIZED INTO:

1. Shareholder Agreement
2. Protect commercial loans
3. Protect the Business income (Key person)
4. Establishing a financial security program to reduce your taxes on the business (sale or succession)
5. Planning your sources on income in the view of retirement

You are going to need capital to grow your business (people, technology, equipment, expansion). Why not Become Your Own Banker® to your business' capital need and create a tax free addition to your business surplus or retained earnings?

How does its work?

When structured in the right way, using one of our specially designed participating Whole Life insurance policy, the cash value of a your corporate-owned life insurance is comparable to the equity you build up in a home or real estate property when you pay a mortgage.

A home is an asset with a certain value you can use as collateral to obtain a loan called a HELOC (Home Equity Line of Credit). When you pay into the mortgage on your home, the payments reduce what you owe, and you gain in home equity—the value of the paid-off portion of your mortgage. The value of your home remains but you are leveraging the equity to collateralize the HELOC.

A corporate-owned participating whole life policy is permanent insurance that also creates equity with what is referred to as a cash value. This cash value is also considered an asset your company owns that can be used as collateral to secure financing from a bank or lending institution—one of the reasons we often compare it to homeownership. And along the same lines as the HELOC scenario, when you take a loan out on your corporate-owned participating whole life insurance policy, the cash value stays the same—as if you haven’t even touched it because you are leveraging the equity in the policy’s cash value as collateral.

One key difference with a specially designed corporate-owned participating whole life insurance policy is, as a business owner or corporation, you can access your money without going through financials—which is not usually the case with a HELOC. You simply request the policy loan from your advisor and within days, you receive the funds.

Another key difference with this type of policy is the time-proven potential to earn dividends. Impressively, for over 150 years, these types of policies have been paying out dividends in North America. The policy is structured to use these dividends to purchase more insurance known as paid-up additions, which accelerate and fast-tracks the growth of both the cash value and death benefit in your corporate policy.

Corporate-owned participating whole life insurance is a unique alternative asset class, an all-in-one financial solution that protects your company and business interests against unforeseeable risks. When structured using one of our specially designed policy, the cash value of a corporate-owned participating whole life insurance policy can be used to fund key-person protection and buy-sell agreements as well as provide your business with a resource to draw from to optimize funds to manage liabilities.

The cash value of a corporate-owned participating whole life policy provides your business or corporation with accessible, liquid capital that builds equity year over year through guaranteed returns and potential dividend earnings. This equity provides your business with readily available capital you can use as a source of business financing.

The cash value of a corporate-owned participating whole life insurance policy is not taxed as a capital gain like other savings and investment products. The cash value in the policy grows on a tax-preferred basis, within limits set out by the Income Tax Act and Regulations. This provides you as a business owner, a tax-sheltered vehicle to store retained earnings while continuing to grow your money uninterrupted compound growth.

The cash value of a corporate-owned participating whole life policy can be used to fund business expenses during your working years. Under current Income Tax law, as the cash value in your corporate policy continues to grow uninterrupted, it can later serve as funding or a supplemental stream of tax-free retirement income when you do stop working.

If you are the owner of a corporation or a majority shareholder in a Canadian corporation with taxable investments, the Corporate Estate Transfer can help you reduce the impact of the “double tax trap” of transferring your shares from your corporation to your estate by reallocating corporate surplus from taxable investments into a corporate-owned participating whole life insurance policy structured with one our of Infinite Financial Solution plan, instead.

When structured using one of our specially designed policy, corporate-owned participating whole life insurance becomes a supercharged asset that provides your business with accessible, liquid capital that builds equity year over year through guaranteed returns and potential dividend earnings. You can leverage the equity in your corporate-owned participating whole life insurance policy’s cash value to finance business expenses, expand your business, or use as collateral for other sources of business financing. 

As a tax-advantageous asset in your company’s overall financial strategy, funds from other taxable investments can be re-allocated into your corporate-owned participating whole life insurance policy.

 Most wealth management firms fails to grasp the various financial, tax, and insurance strategies that could benefit their most dynamic clientele. They just see big accounts and a fat wallet and forget the rest. The truth is, "the rest" is where the magic really happens.

• Corporate Structure Reorganizing to Maximize Tax Efficiency
  • Operating Company (Op Co)
  • Holding Company (Hold Co)
  • Family Trust
• Tax Efficient Income Planning
• Alternative Savings Plans for Business Owners
• Passive Income Tax Mitigation Strategies
• Corporate Insurance Strategies
  • Corporate Insured Retirement Plan (CIRP)
  • Immediate Financing Arrangement (IFA)
  • Executive Health Savings Plan (EHSP)
  • Buy-Sell/Key Person

You can contact us to learn more about it and see how you and your business can benefit from it by booking an appointment with no obligation.