Wealth Preserver

How can you live for today while planning for the future, for such things as taxes, charitable donations and grandchildren? PACE's tailored coverage can soothe the headache of preserving your wealth.
 

• Market Identifier
• Characteristics
• More Characteristics
• Concerns
• Needs
• Risk Management Tool (PACE Coverage)
• Suggested PACE Coverage
• Illustration
   

Obviously, since characteristics, concerns and needs vary from person to person, PACE coverage can be adapted accordingly.

Market Identifier

• Age range from 45 - 75
• Have, or will have, assets with deferred tax liability:
   
  • capital assets
  • RRSP/RRI
     

Characteristics

• High family income during working years
• Asset accumulation:
   
  • RRSP's
  • non-registered mutual or segregated funds or investment portfolio
  • business interest
  • real estate investment (e.g. vacation property)
     

More Characteristics

• Low or no debt
• Good cash flow means disposable income
• Values relationship with advisor
• Good lifestyle:
   
  • travel
  • family-oriented
     

Concerns

• Taxes
• Taxes
• Taxes
   

Needs

• Cover tax liability at death
• Leave estate to heirs
• Special need:
   
  • charitable giving
     

Risk Management Tool (PACE Coverage)

• Lifetime protection
• Limited payment period
• Cost not a major issue
• Growing death benefit
• Joint last-to-die option
• Ability to be paid-up at first death
   

Suggested PACE Coverage
Premier
 

• Lifetime protection
• Access to limited pay and joint last-to-die, with "paid-up at first death" option