Absolutely! Thank you for sharing your thoughts with us! It's true that premiums can vary, but the benefits of using life insurance in estate planning go beyond costs. Our advisors can help tailor a plan that aligns with your goals and budget. Feel free to schedule a free consultation to explore options: bit.ly/3Ckugzc
在加拿大，人壽保險賠償是免稅的。當指定了受益人時，因為它不屬於遺產，所以不會觸發遺囑認證程序。遺囑認證只適用於遺產。詳情請看： www.canada.ca/en/financial-consumer-agency/services/insurance/life.html#toc0 "The death benefit paid from a life insurance policy is a tax-free, lump-sum amount..." 關於英國的稅務制度建議找當地的專業人士查詢。
Thanks for your video. It was very informative. For the insurance part, death benefit is exempted from the procedures but how about surrender value? When someone surrender the whole policy, say at age 90, would this benefit trigger the probate fee? Thx
Hi mt ng, thanks for your comment. Surrendering a policy when alive will not trigger probate (which comes after death), but the surrendering of a policy could potentially be taxable. There may be more effective solutions for your situation and we recommend you to speak with our advisors to help you make a sound decision. You can book an online consultation using this link: bit.ly/3Ckugzc
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