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Illustrations are grouped under their market heading. Each illustration has been given a name that reflects its application for easy reference.

Estate Planning [view illustration tips]
Insured Inheritance: your client has a "lump sum" set aside for a specific bequest under his/her will. The illustration shows how life insurance can "Tax Shelter" the investment and create superior inheritance values. It may be illustrated using either a Single Premium Deposit Account or a Term Certain Annuity.
Income Shelter: Those with incomes in excess of what is needed to support life style needs should consider sheltering that income from taxes for increased growth while living and creating larger inheritance values at death.
Insured Annuity: Preserves a lump sum investment for estate purposes in a Non-registered Life-0 prescribed annuity while generating a larger guaranteed income for life. A comparison is made between the insured annuity and an Alternate Investment for income generating purposes.
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Tax Planning [view illustration tips]
Capital Gains Protection: the program asks you to enter assets, their Adjusted Cost Base, Fair Market Value and expected future growth rate. It calculates the capital gains tax payable and expresses the cost of the insurance to pay for taxes as a percentage of the assets they protect.
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Retirement Planning [view illustration tips]
Income Generator: a "Withdrawal Plan" illustration comparing results from a Universal Life with generating similar withdrawals through saving the money through an Alternate Investment. A genuine "buy term & invest the difference" concept.
Insured Retirement: Shows how to use the fund value of a universal life policy as source of tax free "loans" repayable at death to create additional tax-free income while living.
Corporate Insured Retirement: How to use the fund value of a corporately owned universal life policy as source for tax free "loans" repayable only at death to create additional taxable income while living.
Secular Trust: Used by small businesses to provide an employee with additional retirement income it illustrates and explains how a life insurance policy can be used to create a retirement planning alternative to an RCA.
Retirement Compensation Arrangement (RCA): A plan, created by Revenue Canada, under which an employer makes contributions to a trust for the benefit of an employee upon retirement. The illustration shows how funding the trust through "exempt" life insurance can generate additional income and other benefits.
Split Dollar RCA: The split dollar approach to funding an RCA trust has added to the attractiveness of life insurance as a funding vehicle for this growing source of new business.
Tax Sheltered Income Stream: Income withdrawal illustration from a Universal Life policy similar to the INCOME GENERATOR illustration except that Addcalc calculates the highest possible withdrawal amount over a given number of years.<
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Corporate Insurance [view illustration tips]
Capital Dividend Account: Designed for producers working in the "Corporate Market", this illustration shows the portions of tax-free and taxable estate benefit for private corporation owned life insurance.
Collateral Insurance: For collateral insurance business cases, a portion of the annual mortality charges may be eligible for income tax relief if certain conditions are met. The illustration lists the conditions and shows the cost savings.
Corporate Split Dollar: For companies wishing to reward young employees by helping them to purchase a life insurance policy. This illustration can be split on Fund Value, Surrender Value or NCPI. Illustrate as regular or Reverse Split Dollar.
Corporate Buyout: A method of setting up a buy-sell agreement between shareholders of a small private corporation. The proceeds of the corporate owned policies are paid through the CDA to the surviving shareholders to fund the buy out.
Corporate Redemption of Shares: A method of setting up a buy sell agreement between key shareholders of a small private corporation funded through life insurance with the corporation being the owner and beneficiary.
Employee/Shareholder Benefit Plan: The provision of future benefits to attract and retain employees who own shares in the corporation. For retirement benefits this illustration should be considered in conjunction with illustrations in the RETIREMENT PLANNING grouping of Addcalc.
Corporate Key Person Insurance: Demonstrates the effectiveness of life insurance to protect a small private corporation against the loss of an employee upon who the business depends for its success. The insurance purchased may be illustrated on a periodic payment or SPDA basis.
Leveraged Corporate Insured Annuity: Illustrates how a corporate owned non-prescribed annuity purchased with borrowed money and backed by a life insurance policy can reduce capital gains taxes at death in a highly cost effective way.
Corporate Insured Annuity: Shows how dividends paid by a corporation can be increased and capital gains taxes on the death of a principal shareholder can be reduced through a corporate owned non-prescribed annuity purchased with corporate funds and backed by a life insurance policy.
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Pension Estate Maximization [view illustration tips]
Annauity Estate Maximizer: For the older client with surplus taxable retirement income. This concept provides a tax effective program to maximize bequests.
RRIF Estate Maximizer: For those with surplus RRIF income and who wish to transfer some RRSP capital tax-free to beneficiaries on death.
Insured RRIF: Preserves the value of a RRIF for the estate of the insured by insuring the tax on the RRIF balance at death. The program calculates the amount of insurance needed and compares the values of the estate of an insured and uninsured RRIF.
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Charitable Giving [view illustration tips]
Charitable Insurance: For those with surplus income and a desire to make a significant gift to a charity on their death while receiving tax credits on the annual contributions to a tax sheltered life policy.
Charitable Annuity: The charitable annuity concept involves a donor providing a lump sum amount of money to a charity in exchange for an income for life.
Charitable Insured Annuity: Preserves the initial lump sum investment (for the charity(ies)) in a Non-registered Life-0 prescribed annuity while generating an income for life for the donor. A comparison is made between C.I.A. and an Alternate Investment.
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Miscellaneous [view illustration tips]
Internal Rate of Return: For those who seek a detailed analysis of the annual insurance cost in a UL policy and an independent appraisal of internal rate of return on the saving element.
Family Split Dollar: An illustration for family members who wish to assist another family member with the purchase of a life insurance policy; can be split on Fund Value, Surrender Value or NCPI.
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