About
Life insurance is a highly flexible financial tool, yet many clients and advisors view it solely through the lens of a death benefit. In a landscape where marginal tax rates often exceed 50%, exempt life insurance can help clients manage the annual "grind" of taxation on investment income.

This webinar explains how to strategically access policy cash values to provide liquidity when clients need it most. We will cover the mechanics of Adjusted Cost Basis (ACB) and the impact of the Net Cost of Pure Insurance (NCPI), alongside a comparative analysis of withdrawals, policy loans, and third-party collateral loans. Join us to explore advanced strategies like Immediate Financing Arrangements (IFAs) and corporate leveraging, including considerations for when and how these strategies may be used to access capital for retirement, reinvestment, or estate preservation.


CE credits: Pending
To receive their CE credit, attendees of this event will be required to attend the entire session and pass the quiz after the webinar has been viewed.

CE credit offer available until March 31, 2027.
Presenter
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Mitchell J. Singer, B.Sc., LL.B.
Director of Tax, Retirement and Estate Planning
Mitchell Singer brings over two decades of experience in tax, estate planning, and insurance advisory to our team. Called to the Ontario Bar since 2000, Mitchell has held senior roles with leading financial institutions including RBC Insurance, CIBC Wood Gundy, and Transamerica Life Canada, where he specialized in developing innovative, tax-efficient strategies for high-net-worth clients, corporations, and institutions. Known for his ability to translate complex planning needs into practical solutions, Mitchell has led national product initiatives and advised on some of the largest insurance cases in Canada, including a landmark $340 million policy as an advisor. His unique combination of legal and tax acumen and business development expertise ensures our clients receive insightful, personalized service that protects and grows their wealth.
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Advocis - includes FISCO, ICBC, IFB (pending)
Alberta Insurance Council (pending)
Chambre de la sécurité financière (pending)
FP Canada (pending)
Insurance Council of Manitoba (pending)
Insurance Council of Saskatchewan (pending)
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