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Estate Planning – Life Insurance – Philanthropy

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Insurance solutions and estate planning services

For business owners, entrepreneurs, professionals and affluent families.

33 Years of experience
99% Client retention rate
4/5 New clients are referrals
100% Peace of mind

Top 3 reasons to work with us

You hate taxes

We can preserve your wealth for family and causes you care about

You have no time

We can help organize your estate properly, working with your professional advisors

You want to make a difference

We can show you how to convert taxes into charitable donations

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Mark delivered a "Ted Talk" at Moses Znaimer’s ideacity Conference in Toronto.

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What is
WEALTHinsurance®

More than half of your income is consumed by taxes. Adding insult to injury, you pay tax again on the money you invest. Welcome to The Tax Grind. Let us show you how to save those taxes and preserve more wealth for your family.

We are estate planners and insurance specialists. Most of our clients are referred to us by their accountants, lawyers and financial advisors.

Get the peace of mind you deserve

Our clients want to achieve one or more of the following objectives

Create liquidity at the time estate taxes are due to avoid the forced sale of assets
Protect a family or business against the sudden catastrophic loss of a key person
Fund specific inheritances to heirs or charitable bequests
Establish a guaranteed, fixed-income investment within a family's intergenerational asset allocation
Secure maximum value of their business for succession planning, and pay minimum tax
Achieve the peace of mind that comes from knowing that their affairs are properly organized
Mark Halpern CFP, TEP, MFA-P

Mark Halpern CFP, TEP, MFA-P

Mark Halpern is a Certified Financial Planner (CFP), Trust and Estate Practitioner (TEP), Master Financial Advisor-Philanthropy (MFA-P) and widely recognized as one of Canada's top life insurance advisors.

As CEO of WEALTHinsurance.com® and illnessPROTECTION.com® Mark leads a team across Canada that provides special expertise and insurance strategies for business owners, entrepreneurs, professionals and high net worth families.

Mark and his team work closely with lawyers, accountants, bankers and financial advisors to provide their clients with unique insurance products and comprehensive estate planning solutions.

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Case Studies

How we helped our clients

Retired couple, 72 and 68, own a holding company worth $20 million

The couple no longer gives up half of the annual business investment income to the tax department

Mr. and Mrs. M, aged 72 and 68, both retired, are the custodians of a Holding company with real estate, equities and fixed income investments totaling $20 million. The entire portfolio is "never spend money" as they plan to pass it along to their children and grandchildren. They pay income tax every year at over 50% on the business investment income. They wanted to leave more for future generations and less to the tax department.

The growth of the "never spend money" would continue to be impaired by high taxes each year and would be taxed again when withdrawn from the company for their heirs.

The couple no longer gives up half of the annual business investment income to the tax department, so the ‘never spend money’ now grows much faster, unimpaired by annual taxation. We used a portion of it to purchase a tax-exempt, joint last-to-die life insurance policy, with premiums payable for only 10 years. The policy is fully guaranteed and now provides an equivalent return of 11.5% at death on the 'never spend money' with no market risk or interest rate risk. When the second of both spouses dies, their beneficiaries will receive the insurance proceeds tax-free and the company will distribute the insurance to them without taxation.

55 year old real estate developer with a net worth of $50 million hates life insurance

Saved his estate $15 million in taxes, and preserved his cash for business investments

A married, 55 year old real estate developer with a net worth of $50 million hates life insurance. He will have estate taxes due on the second to die of him and his spouse but has never purchased insurance because the premiums are too expensive and he can do much better investing his own money in real estate

His estate would have been liable for more than $15 million of income taxes. His family would have been forced to sell assets under pressure to pay the tax bill.

His final estate tax liability of more than $15 million was eliminated by the placement of his new Life Insurance policy. We structured an Immediate Financing Arrangement with a leading financial institution to preserve his cash for his business activities and reduce the effective cost of his life insurance to 5% of the total premiums.

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