The document discusses the history and evolution of fraternal organizations that provided support to members. Over time, advances in communication made the world smaller and led to a shift toward personal independence and security for loved ones through organization and insurance offerings. Different insurance products are described as addressing either short-term or long-term needs, with varying costs, coverage periods, tax implications, and flexibility. Myths about tax-deferred savings through RRSPs alone are debunked, noting that funds in an RRSP are taxed fully upon withdrawal. The benefits of tax-deferred growth through cash value in life insurance contracts under tax law are highlighted. The document promotes registering for an online consultation to learn strategies for choosing when and how to retire.

6. ……andand belonged to a group thatbelonged to a group that
offeredoffered support in timessupport in times
of need.of need.
And as time progressedAnd as time progressed
The Fraternal Order of ______The Fraternal Order of ______
_______________ Guild_______________ Guild
_______________ Church_______________ Church
Organization _____________Organization _____________

7. ……and thus, began the shift to personaland thus, began the shift to personal
independence and security for yourindependence and security for your
loved ones.loved ones.
Advances in communication madeAdvances in communication made
the world a smaller placethe world a smaller place

9. thenthen
For Short term need
Inexpensive in early
years
Very expensive at older
ages
Coverage until age 75 to
80
No flexibility
Tax free to beneficiary

10. For Life long need
Level cost
Tax Sheltered Growth
Dividend based
Tax free to beneficiary
Guaranteed growth
Earns Dividends
thenthen
For Short term need
Inexpensive in early years
Very expensive at older
ages
Coverage until age 75 to 80
No flexibility
Tax free to beneficiary

12. ““the mother of invention”the mother of invention”
Ah! Ha!Ah! Ha!

14.  MythMyth:: The only way to accumulateThe only way to accumulate
money “Tax Deferred”is in an RRSP!!!money “Tax Deferred”is in an RRSP!!!
 FactFact:: The RRSP advantage is forThe RRSP advantage is for
immediate tax relief and retirementimmediate tax relief and retirement
income.income.
 Problem:Problem: The funds are taxed 100%The funds are taxed 100% asas
they are withdrawn.they are withdrawn.

15. Cash Value in aCash Value in a
Life Insurance contracts growLife Insurance contracts grow
Income Tax ActIncome Tax Act (s. 148)

17. Tax Deferred Cash ValueTax Deferred Cash Value

18. Do you want a game plan that letsDo you want a game plan that lets youyou
choose how and when you retire?choose how and when you retire?

19. Until now, someone needed to travel to meet with a
financial professional or invite someone into your home.

20. Financial Insiders Hotline - provides you with convenient access to online
advice, live consultations were you can get questions answered, or a second
opinion. Learn about strategies that, until now, mainly financial insiders knew
about.
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and other strategies be sure
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