This document discusses the difficulties of aging and paying for senior homes in Ontario. It notes that only 5.1% of seniors have nursing home coverage, with the average monthly cost being $3,204 CAD. For those aged 75 and older, income is typically less than 10% of what it was previously, which would be less than $417 CAD per month. The total nursing home costs over 20 years are estimated to be over $1 million CAD. To address this, the solution proposed is a pension plan involving life insurance, life settlements, and nursing home benefits that requires purchasing $1 million in life insurance and paying premiums for 3 years.

1. 养老可以是免费的
Free senior homes

2. 目前养老面临的困境
Difficulty from aging
 根据CMHC的报告，安省的养老院的覆盖率是5.1%
According to CMHC report, there was only 5.1% nursing home coverage in
Ontario
 养老院的月平均费用是3204加元
The average monthly cost of nursing home is CAD$ 3204
 根据加拿大统计局的资料，安省的2011年的工作收入是50116加元，平均每月
4176加元
According to the statistics Canada , the average annual income is
CAD$ 50116 in 2011 with an average of CAD$4176 monthly
 如果在75岁以上，就是需要养老的年龄，收入是多少呢？
If you are 75 years old or above, how much is your income to cover your
pension ??

3. 收入不到原来的10%
Percentage of income will be less than 10% at the age of 75
就是说，只有不到417加元
See chart below , at the age of 75, the percentage of income will be less than 10%. In
other words, less than CAD$417

4. 按照现在的养老费用推算，预计未来20年的养老费用是100万加元以上
See data below, the total cost would be more than CAD$1 million for the next 20
years.

6. 钱不够用怎么办？
Not enough money ???
 我们的解决方案是
Our solution is :
 人寿保险+ 寿险贴现+ 养老院的收益
Life insurance + Life settlement + Nursing home benefit
 我们针对45岁至75岁的未来客户设计了多数人可以负担的养老方案
We offer an affordable pension plan for the age of 45 to 75 customers
 只需要购买100万的人寿保险，交3年的保费，我们负责客户的养老需要
We will meet your needs. You only need to buy 1million life insurance and
pay the premium for 3 years .

7. 我们的团队Our Team
 Steve Xing 总设计师
Founder
 高级顾问，加拿大最大的养老集团的高管，管理10余家养老院的经验
Senior executive of #1 Canada pension group, managing more than 10
senior nursing homes
 Daniel Kahan 加拿大精算师，寿险贴现专家
Actuary, Life settlement expert
 Mimi Lee 加拿大保险专业人士Canadian insurance professional