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Canadian Tax Law changed the tax treatment of life insurances. It including term, universal life, and whole life. The change will become effective on Jan. 1, 2017. If you buy insurance in 2016, you will not be affected by the change. However, if you buy them in 2017, you will.
In short, beginning 2017, the death benefit of a life insurance in Canada will be taxable.
The current tax rule regarding to the investment part is also very generous. In 2017, that will change too.
If you belong one of the following group, you need to contact me ASAP.
1.If you currently have a term insurance.
2.You have never had an insurance needs analysis done or your previous one is out of date.
3.You have never had an estate planning done by me and you have no idea what your final tax will be.
4.You have a permanent life insurance but you may consider to add more or buy one for your children.
5.You have a corporation and are looking for ways to remove the money from it tax efficiently (meaning not by paying yourself salary or dividend).
6.You have a fairly large mortgage balance.
Attached is an article that details the impact of such change. You are welcome to share it with your accountant. It is published on CPA’s magazine. (Sorry, I can't put an attachment here. E-mail me and I will e-mail it to you.)
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资深注册理财师(CFP)，金融学士，经济硕士。sherry.wong@investorsgroup.com
注策投资顾问和保险经记。自1992年在加拿大金融业工作。
在投资保险信贷及个人和私有公司财务规划方面积累了丰富的经验。 |
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