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The Zakka Team*

Home» Our services» Insurance and estate

Our services

Insurance and estate

Protecting your family

We can advise you regarding a wide range of registered programs to plan for your family's needs at every stage of life, including RRSPs and RRIFs for retirement and RESPs to help you save for your children or grandchildren's education.

Insurance† is one of those products we all dislike paying for. However, there are some instances in financial planning for families in which insurance plays an important role in protecting your family. I am a fully licensed insurance planner, able to arrange protection:

In the event of the untimely death of the major income earner;
In case serious illness or disability affects your income and savings; and
When health services are required outside of Canada.

We are committed to counselling your entire family, with continuity of service excellence from one generation to the next, respecting sensitivities and the uniqueness of your relationships.

The succession of your business to the next generation

Business owners with substantial assets should pay attention to what will happen to their assets and the taxes that will be owing on their own death.

If you have a business partner, how does your family receive full value for your shares in the business in the event of your death? If your children are to inherit the shares in your business, how will the capital gains taxes and value of your shares be funded? Insurance often provides a cost effective solution for these types of planning challenges.

In the investment industry, an insurance solution is sometimes referred to as using 10-cent dollars; for example, paying $10,000 in premiums for an insurance policy that will pay out a benefit of $100,000. No matter how much you dislike paying an insurance company a premium of $10,000, it is preferable to your estate than giving the Canada Revenue Agency $100,000 out of your investments.

It is most cost effective to make these arrangements as early as possible, when both spouses are in excellent health.

^†Insurance products and services are offered by life insurance licensed Advisors through Macquarie Insurance Services Ltd., a wholly owned subsidiary of Macquarie Private Wealth Inc.

*The Zakka Team is part of Macquarie Private Wealth Inc.

No entity within the Macquarie Group of Companies is registered as a bank or an authorized foreign bank in Canada under the Bank Act, S.C. 1991, c. 46 and no entity within the Macquarie Group of Companies is regulated in Canada as a financial institution, bank holding company or an insurance holding company. Macquarie Bank Limited ABN 46 008 583 542 (MBL) is a company incorporated in Australia and authorized under the Banking Act 1959 (Australia) to conduct banking business in Australia. MBL is not authorized to conduct business in Canada. No entity within the Macquarie Group of Companies other than MBL is an authorized deposit-taking institution for the purposes of the Banking Act 1959 (Australia), and their obligations do not represent deposits or other liabilities of MBL. MBL does not guarantee or otherwise provide assurance in respect of the obligations of any other Macquarie Group company. Macquarie Private Wealth Inc. is a member of the Canadian Investor Protection Fund and IIROC.