Do you want to leave a legacy?

Whether you want to leave a legacy for your children or your favourite charity; now or through your will, your financial security and investment representative can help you meet your goals.

• Life insurance proceeds pass directly to the named beneficiaries, avoiding probate taxes and creditor claims on your estate. Transfer your estate to your heirs intact, ensuring that capital gains and other taxes owing are paid cost-effectively.
• Segregated fund policies pass directly to the named beneficiary without going through probate.
• Registered retirement savings plans (RRSPs) and registered retirement income funds (RRIFs) can be transferred tax-free to a surviving spouse but at their death, taxes are payable on any remaining assets. Permanent life insurance can help to pay the tax and any remaining assets will be left for your children, grandchildren or favourite charity.
• The Quadrus charitable giving program can help you leave a lasting philanthropic legacy to registered charities of your choice.