Rapport
.png)
Transfert de succession
Préparé pour
Client Apprécié
Présenté par
Matthew Gauthier
Information Sur La Prime (Âge 50 | Âge le plus proche 50 | Non-fumeur | Male)
| Plan |
|---|
Option assurance-vie entière
Primes annualisées: 1 - 20: $50,000.00 |
* Frais de police inclus dans la prime.
Personnel Hypothèses de transfert d'actifs
The purpose of this concept illustration is to demonstrate the comparison. This is not a contract or an offer to insure. This is a concept illustration only and does not form part of the application for insurance. Illustrated values are not guarantees of future performance. Changes in the dividend scale, investment performance, taxation may adversely affect the illustrated values in this concept.
Le but de cette illustration conceptuelle est de démontrer la comparaison. Il ne s'agit pas d'un contrat ni d'une offre d'assurance. Il s'agit uniquement d'une illustration conceptuelle qui ne fait pas partie de la proposition d'assurance. Les valeurs illustrées ne sont pas des garanties de performances futures. Des changements dans le barème des dividendes, la performance des investissements, la fiscalité peuvent avoir un impact négatif sur les valeurs illustrées dans ce concept.
Cette illustration de concept contient des valeurs tirées de l'illustration du produit d'assurance-vie correspondant qui accompagne cette illustration de concept. Pour bien comprendre comment les valeurs illustrées dans cette illustration conceptuelle peuvent varier, il est nécessaire de lire et de comprendre à la fois cette illustration conceptuelle et l'illustration du produit d'assurance-vie. L'illustration du produit d'assurance-vie doit accompagner cette illustration conceptuelle.
Personnel Transfert d'actifs
Taux requis potentiels de rendement des classes d'actifs alternatives -Option assurance-vie entière
Autre placement imposable:Option assurance-vie entière
| Investissement imposable | Assurance | |||||||
|---|---|---|---|---|---|---|---|---|
| Année | Excédent des espèces annuel investi | Croissance annuelle | Impôt dû sur la croissance | Valeur de l'excédent à la fin de l'année | Avantage successoral net | Valeur successorale nette après impôt de l'assurance | Avantage ($) | Avantage (%) |
| $50,000 | $0 | $0 | $0 | $0 | $1,375,732 | $1,375,732 | 0% | |
|
2
|
$50,000 | $0 | $0 | $0 | $0 | $1,378,994 | $1,378,994 | 0% |
|
3
|
$50,000 | $0 | $0 | $0 | $0 | $1,383,398 | $1,383,398 | 0% |
|
4
|
$50,000 | $0 | $0 | $0 | $0 | $1,389,634 | $1,389,634 | 0% |
| $50,000 | $0 | $0 | $0 | $0 | $1,398,304 | $1,398,304 | 0% | |
|
6
|
$50,000 | $0 | $0 | $0 | $0 | $1,410,060 | $1,410,060 | 0% |
|
7
|
$50,000 | $0 | $0 | $0 | $0 | $1,424,924 | $1,424,924 | 0% |
|
8
|
$50,000 | $0 | $0 | $0 | $0 | $1,442,906 | $1,442,906 | 0% |
|
9
|
$50,000 | $0 | $0 | $0 | $0 | $1,464,079 | $1,464,079 | 0% |
| $50,000 | $0 | $0 | $0 | $0 | $1,488,583 | $1,488,583 | 0% | |
|
11
|
$50,000 | $0 | $0 | $0 | $0 | $1,516,580 | $1,516,580 | 0% |
|
12
|
$50,000 | $0 | $0 | $0 | $0 | $1,548,488 | $1,548,488 | 0% |
|
13
|
$50,000 | $0 | $0 | $0 | $0 | $1,584,574 | $1,584,574 | 0% |
|
14
|
$50,000 | $0 | $0 | $0 | $0 | $1,624,831 | $1,624,831 | 0% |
| $50,000 | $0 | $0 | $0 | $0 | $1,668,944 | $1,668,944 | 0% | |
|
16
|
$50,000 | $0 | $0 | $0 | $0 | $1,716,641 | $1,716,641 | 0% |
|
17
|
$50,000 | $0 | $0 | $0 | $0 | $1,767,850 | $1,767,850 | 0% |
|
18
|
$50,000 | $0 | $0 | $0 | $0 | $1,822,539 | $1,822,539 | 0% |
|
19
|
$50,000 | $0 | $0 | $0 | $0 | $1,880,764 | $1,880,764 | 0% |
| $50,000 | $0 | $0 | $0 | $0 | $1,942,193 | $1,942,193 | 0% | |
|
21
|
$0 | $0 | $0 | $0 | $0 | $2,006,225 | $2,006,225 | 0% |
|
22
|
$0 | $0 | $0 | $0 | $0 | $2,072,256 | $2,072,256 | 0% |
|
23
|
$0 | $0 | $0 | $0 | $0 | $2,140,059 | $2,140,059 | 0% |
|
24
|
$0 | $0 | $0 | $0 | $0 | $2,209,724 | $2,209,724 | 0% |
| $0 | $0 | $0 | $0 | $0 | $2,281,304 | $2,281,304 | 0% | |
|
26
|
$0 | $0 | $0 | $0 | $0 | $2,354,848 | $2,354,848 | 0% |
|
27
|
$0 | $0 | $0 | $0 | $0 | $2,430,455 | $2,430,455 | 0% |
|
28
|
$0 | $0 | $0 | $0 | $0 | $2,508,137 | $2,508,137 | 0% |
|
29
|
$0 | $0 | $0 | $0 | $0 | $2,587,949 | $2,587,949 | 0% |
| $0 | $0 | $0 | $0 | $0 | $2,669,934 | $2,669,934 | 0% | |
|
31
|
$0 | $0 | $0 | $0 | $0 | $2,754,082 | $2,754,082 | 0% |
|
32
|
$0 | $0 | $0 | $0 | $0 | $2,840,338 | $2,840,338 | 0% |
|
33
|
$0 | $0 | $0 | $0 | $0 | $2,928,690 | $2,928,690 | 0% |
|
34
|
$0 | $0 | $0 | $0 | $0 | $3,019,021 | $3,019,021 | 0% |
| $0 | $0 | $0 | $0 | $0 | $3,111,293 | $3,111,293 | 0% | |
|
36
|
$0 | $0 | $0 | $0 | $0 | $3,205,445 | $3,205,445 | 0% |
|
37
|
$0 | $0 | $0 | $0 | $0 | $3,301,381 | $3,301,381 | 0% |
|
38
|
$0 | $0 | $0 | $0 | $0 | $3,399,016 | $3,399,016 | 0% |
|
39
|
$0 | $0 | $0 | $0 | $0 | $3,498,306 | $3,498,306 | 0% |
| $0 | $0 | $0 | $0 | $0 | $3,599,164 | $3,599,164 | 0% | |
|
41
|
$0 | $0 | $0 | $0 | $0 | $3,701,495 | $3,701,495 | 0% |
|
42
|
$0 | $0 | $0 | $0 | $0 | $3,805,209 | $3,805,209 | 0% |
|
43
|
$0 | $0 | $0 | $0 | $0 | $3,910,205 | $3,910,205 | 0% |
|
44
|
$0 | $0 | $0 | $0 | $0 | $4,016,356 | $4,016,356 | 0% |
| $0 | $0 | $0 | $0 | $0 | $4,123,363 | $4,123,363 | 0% | |
|
46
|
$0 | $0 | $0 | $0 | $0 | $4,230,939 | $4,230,939 | 0% |
|
47
|
$0 | $0 | $0 | $0 | $0 | $4,338,307 | $4,338,307 | 0% |
|
48
|
$0 | $0 | $0 | $0 | $0 | $4,444,071 | $4,444,071 | 0% |
|
49
|
$0 | $0 | $0 | $0 | $0 | $4,545,655 | $4,545,655 | 0% |
Analyse de l'investissement alternatif: Option assurance-vie entière
Comparaison de l'assurance-vie et des investissements:Option assurance-vie entière
| Âge | Années | Argent investi / Prime payée | Investissements personnels Valeur nette successorale | Prestation de décès nette à la succession de l'assurance-vie avantageuse sur le plan fiscal | Investissements personnels Taux interne de retour sur décès | Taux de rendement interne de l'assurance-vie fiscalement avantageux au décès |
|---|---|---|---|---|---|---|
| 51 | $50,000.00 | $0.00 | $1,375,731.53 | -100.00% | 2,651.46% | |
| 52 |
2
|
$50,000.00 | $0.00 | $1,378,993.50 | -100.00% | 377.54% |
| 53 |
3
|
$50,000.00 | $0.00 | $1,383,397.97 | -100.00% | 162.74% |
| 54 |
4
|
$50,000.00 | $0.00 | $1,389,633.62 | -100.00% | 95.36% |
| 55 | $50,000.00 | $0.00 | $1,398,304.48 | -100.00% | 64.19% | |
| 56 |
6
|
$50,000.00 | $0.00 | $1,410,060.30 | -100.00% | 46.74% |
| 57 |
7
|
$50,000.00 | $0.00 | $1,424,924.46 | -100.00% | 35.78% |
| 58 |
8
|
$50,000.00 | $0.00 | $1,442,906.27 | -100.00% | 28.38% |
| 59 |
9
|
$50,000.00 | $0.00 | $1,464,079.21 | -100.00% | 23.11% |
| 60 | $50,000.00 | $0.00 | $1,488,582.94 | -100.00% | 19.22% | |
| 61 |
11
|
$50,000.00 | $0.00 | $1,516,579.85 | -100.00% | 16.25% |
| 62 |
12
|
$50,000.00 | $0.00 | $1,548,487.54 | -100.00% | 13.95% |
| 63 |
13
|
$50,000.00 | $0.00 | $1,584,573.71 | -100.00% | 12.12% |
| 64 |
14
|
$50,000.00 | $0.00 | $1,624,830.53 | -100.00% | 10.66% |
| 65 | $50,000.00 | $0.00 | $1,668,944.24 | -100.00% | 9.48% | |
| 66 |
16
|
$50,000.00 | $0.00 | $1,716,641.12 | -100.00% | 8.50% |
| 67 |
17
|
$50,000.00 | $0.00 | $1,767,849.66 | -100.00% | 7.69% |
| 68 |
18
|
$50,000.00 | $0.00 | $1,822,539.48 | -100.00% | 7.02% |
| 69 |
19
|
$50,000.00 | $0.00 | $1,880,764.05 | -100.00% | 6.45% |
| 70 | $50,000.00 | $0.00 | $1,942,193.11 | -100.00% | 5.97% | |
| 71 |
21
|
$0.00 | $0.00 | $2,006,224.68 | -100.00% | 5.76% |
| 72 |
22
|
$0.00 | $0.00 | $2,072,256.35 | -100.00% | 5.59% |
| 73 |
23
|
$0.00 | $0.00 | $2,140,058.72 | -100.00% | 5.44% |
| 74 |
24
|
$0.00 | $0.00 | $2,209,723.80 | -100.00% | 5.30% |
| 75 | $0.00 | $0.00 | $2,281,304.40 | -100.00% | 5.18% | |
| 76 |
26
|
$0.00 | $0.00 | $2,354,847.91 | -100.00% | 5.07% |
| 77 |
27
|
$0.00 | $0.00 | $2,430,454.83 | -100.00% | 4.97% |
| 78 |
28
|
$0.00 | $0.00 | $2,508,136.59 | -100.00% | 4.88% |
| 79 |
29
|
$0.00 | $0.00 | $2,587,948.76 | -100.00% | 4.80% |
| 80 | $0.00 | $0.00 | $2,669,933.50 | -100.00% | 4.73% | |
| 81 |
31
|
$0.00 | $0.00 | $2,754,081.73 | -100.00% | 4.66% |
| 82 |
32
|
$0.00 | $0.00 | $2,840,337.60 | -100.00% | 4.59% |
| 83 |
33
|
$0.00 | $0.00 | $2,928,690.29 | -100.00% | 4.53% |
| 84 |
34
|
$0.00 | $0.00 | $3,019,021.25 | -100.00% | 4.48% |
| 85 | $0.00 | $0.00 | $3,111,293.05 | -100.00% | 4.42% | |
| 86 |
36
|
$0.00 | $0.00 | $3,205,445.39 | -100.00% | 4.37% |
| 87 |
37
|
$0.00 | $0.00 | $3,301,381.33 | -100.00% | 4.33% |
| 88 |
38
|
$0.00 | $0.00 | $3,399,015.53 | -100.00% | 4.28% |
| 89 |
39
|
$0.00 | $0.00 | $3,498,306.21 | -100.00% | 4.24% |
| 90 | $0.00 | $0.00 | $3,599,164.00 | -100.00% | 4.19% | |
| 91 |
41
|
$0.00 | $0.00 | $3,701,494.51 | -100.00% | 4.15% |
| 92 |
42
|
$0.00 | $0.00 | $3,805,209.48 | -100.00% | 4.11% |
| 93 |
43
|
$0.00 | $0.00 | $3,910,205.36 | -100.00% | 4.07% |
| 94 |
44
|
$0.00 | $0.00 | $4,016,356.35 | -100.00% | 4.03% |
| 95 | $0.00 | $0.00 | $4,123,363.18 | -100.00% | 4.00% | |
| 96 |
46
|
$0.00 | $0.00 | $4,230,939.02 | -100.00% | 3.96% |
| 97 |
47
|
$0.00 | $0.00 | $4,338,306.61 | -100.00% | 3.92% |
| 98 |
48
|
$0.00 | $0.00 | $4,444,071.22 | -100.00% | 3.89% |
| 99 |
49
|
$0.00 | $0.00 | $4,545,655.20 | -100.00% | 3.85% |
Coordonnées
Life Design Analysis
www.lifedesignanalysis.comPoint de contact
Matthew Gauthier
100 Kelloggs Lane Unit #1405
London ON
Canada, N5W 2T5
* Veuillez noter: ce rapport a été créé par votre conseiller. Les produits et les entreprises figurant sur l'enquête de comparaison ultérieure sont, par conséquent, seuls ceux qui ont été choisis par le titulaire du compte. Ceux-ci peuvent refléter ou ne pas refléter l'ensemble des compagnies d'assurance et les produits disponibles sur ce système de comparaison. Nous nous efforçons de maintenir la plus grande précision des informations recueillies, mais nous ne pouvons pas garantir et ne garantissons pas la validité ou l'exactitude de l'information affichée. Erreurs & Omissions Exceptées.
Commentaires