LEGACY & PROTECTION
Strategic Risk Management
Beyond wealth accumulation lies the imperative to protect. We design sophisticated insurance and estate structures that safeguard your assets, your family, and your legacy.
LIFE INSURANCE
Preserving Generational Wealth
Tailored solutions ranging from immediate liquidity to long-term estate funding and tax-advantaged corporate structures.
Term Insurance
Cost-effective, high-limit protection designed for specific durations such as debt coverage or dependent support.
Whole Life
Permanent protection with guaranteed cash values, providing a stable asset class and long-term legacy certainty.
Universal Life
Flexible permanent insurance combining death benefit protection with tax-deferred investment opportunities.
LIVING BENEFITS
Protecting Your Primary Asset
Comprehensive disability and critical illness strategies designed to preserve your lifestyle and financial plan during health challenges.
Disability Insurance
Your ability to earn an income is your most valuable asset. Our income replacement strategies ensure that your wealth accumulation continues even if an injury or illness prevents you from working.
- Own-Occupation Coverage
- Business Overhead Protection
- Cost-of-Living Adjustments
Critical Illness
Designed to provide a tax-free lump sum payment upon the diagnosis of a covered condition, allowing you to focus on recovery without compromising your strategic investment goals.
- Tax-Free Lump Sum
- Return of Premium Options
LEGACY PRESERVATION
Strategic Estate Planning
Estate planning is the final component of a complete financial architecture. We help you navigate the complexities of tax-efficient wealth transfer, charitable giving, and trust structures to ensure your assets are distributed according to your precise intent.
By coordinating with your legal and tax professionals, we eliminate the "tax leakage" that often occurs during the settlement of an estate, maximizing the value passed to the next generation.
The Avenir Approach
FOCUS 1
Tax Optimization
Minimizing capital gains and administrative costs on death.
FOCUS 2
Liquidity Management
Ensuring immediate funds are available for taxes and liabilities.
FOCUS 3
Legacy Structuring
Creating lasting impact through structured endowments and trusts.
Protecting Your Family's Future
Beyond wealth accumulation lies the imperative to protect. Let's design a safety net to ensure your family's lifestyle, home, and legacy are permanently secured.
1. You & Your Family
Tell us about yourself so we can tailor the timeline of your protection strategy.
2. The Lifestyle You Provide
Let's calculate the financial engine required to keep your family's life running normally.
3. Securing Your Assets
Identify the obligations we want cleared and the assets your family can rely on.
4. Your Current Safety Net
Let's look at what you already have in place through work or personal policies to identify any vulnerable gaps.
Your Peace of Mind Strategy
Click any card below to see the exact breakdown of your calculation.
Suggested coverage to ensure your family keeps their home, your children's education is fully funded, and your loved ones have a financial buffer to grieve and transition comfortably, less your existing assets.
Suggested monthly benefit to maintain your lifestyle and cover living expenses if illness or injury prevents you from working. Note: Canadian insurers typically cap coverage at approximately 85% of your gross income.
A recommended lump sum to cover one year of gross income plus an additional $25,000 for out of pocket medical expenses, alternative treatments, or recovery travel.
This strategic projection provides estimates for educational purposes based on standard underwriting guidelines. It does not constitute professional financial advice. For a tailored estate and risk management plan, consult an Avenir Wealth Group advisor.
Note: Net income and resulting life insurance replacement calculations are estimated assuming 2026 Ontario and Federal tax rates.
READY TO CONNECT?
Refine Your Wealth Strategy
For inquiries regarding strategic risk management or to book a consultation with an Avenir Wealth advisor, please visit our contact page.