Receive a much higher interest rate
on Non-registered Funds

The Banks do not offer this!

A pension maximizer is the combination of a fully guaranteed single life annuity with a fully guaranteed life insurance policy. This combination can achieve exciting results.

A single life annuity produces a very desirable income. The income is fully guaranteed for the life of an individual. This income is considerably higher because it is a blend of interest and principal. The income is taxed favorably because the return of principal is not taxed. The income stream corresponds with your lifespan and, therefore, ceases upon death. At this point the strategy has one flaw –no funds payable after death. Now let’s talk about the life insurance policy.

The income payment is large enough to purchase a fully guaranteed life insurance policy and yet still leave a sizable income to the annuity purchaser (much greater than a GIC). The life insurance policy will provide a death benefit equal to that of the money used to purchase the annuity. A Term to 100 life insurance policy is fully guaranteed for life and is the lowest cost of all permanent life insurance policies. The death benefit will be received tax free by the beneficiary and avoids probate and executor fees.

Example Female age 70 Non-smoker standard health!

Amount Invested	GIC 2.5%	Insured Annuity
Amount Invested	$300,000.00	$300,000.00
Annual Income	$7,500.00	$25,872.00
Taxable Portion	$7,500.00	$7,237.00
Tax Payable	$2,625.00	$2,533.00
After tax Income	$4,875.00	$23,339.00
Insurance Cost	$00.00	$9,720.00
Net Annual Income	$4,875.00	$13,619.00
Net Effective rate of return	1.643% Guaranteed for term of GIC	4.54% Guaranteed for life
Amount to Estate	$300,000.00	$300,000.00
Subject to probate	Possibly	No

Assume a marginal tax rate of 35%

Whatever your age or financial situation, contact Assure-All Associates for your no obligation, customized quote for a pension maximizing insured annuity.