210-3190 Steeles Ave E., Suite 210, Markham, ON, L3R 3Y4

Insured Retirement Program

Why IRP?

The Insured Retirement Program is a way to save money for retirement that belongs in everyone’s portfolio. Whether you are self-employed, working for a company, already have a pension plan, or need to create your own pension plan, using whole life insurance to complement your retirement savings is essential.

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Our Retirement Insurance Program - Worry Free Retirement Plan

Permanent life insurance with cash values and built-in guarantees of growth.

The Insured Retirement Program is a way to save money for retirement that belongs in everyone’s portfolio. Whether you are self-employed, working for a company, already have a pension plan, or need to create your own pension plan, using whole life insurance to complement your retirement savings is essential.

The short version: tax-deferred growth of your money, built-in guaranteed growth, and tax-free access to your cash values, while still having insurance that never expires to make sure your final expenses and taxes are covered. This program isn’t designed to make you rich quickly, nor should it be your only form of retirement savings. However, as a program that can complement your retirement, it is a solid foundation that should be in everyone’s portfolio if you can qualify.

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Who can Buy the policy?

  • People who have not started their retirement planning.

  • People with pension programs who want to save more money efficiently.
  • People who already have RRSP’s, and need tax-efficient investment options.

  • Self-employed people.

  • Paid-up program in only 15 years. (10 and 20 year also available)
  • Tax-deferred growth while in the program.
  • Guaranteed growth.
  • Steady income stream throughout retirement.
  • Cash and growth can be accessed tax-free!

  • Ideal starting point if you haven’t started saving for retirement.

  • Excellent complement if you already have a pension program.

  • Great for self-employed people for tax purposes.