{"id":29,"date":"2025-05-26T09:56:44","date_gmt":"2025-05-26T09:56:44","guid":{"rendered":"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/?page_id=29"},"modified":"2025-06-04T11:26:01","modified_gmt":"2025-06-04T11:26:01","slug":"permanent-life-insurance","status":"publish","type":"page","link":"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/permanent-life-insurance\/","title":{"rendered":"Permanent Life Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"29\" class=\"elementor elementor-29\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aff16cb e-con-full e-flex e-con e-parent\" data-id=\"aff16cb\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de1e457 elementor-widget elementor-widget-image\" data-id=\"de1e457\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1600\" height=\"500\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/permanent-life-insurance-image.png\" class=\"attachment-full size-full wp-image-2287\" alt=\"\" srcset=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/permanent-life-insurance-image.png 1600w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/permanent-life-insurance-image-300x94.png 300w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/permanent-life-insurance-image-1024x320.png 1024w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/permanent-life-insurance-image-768x240.png 768w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/permanent-life-insurance-image-1536x480.png 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8758e1e elementor-absolute elementor-widget elementor-widget-image\" data-id=\"8758e1e\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1600\" height=\"184\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Inner-Banner.svg\" class=\"attachment-full size-full wp-image-811\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cf71cb2 e-flex e-con-boxed e-con e-child\" data-id=\"cf71cb2\" data-element_type=\"container\" data-settings=\"{&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33b1f6a elementor-align-center elementor-widget elementor-widget-breadcrumbs\" data-id=\"33b1f6a\" data-element_type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p id=\"breadcrumbs\"><span><span><a href=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/\">Home<\/a><\/span><\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a4587c mission-sec e-flex e-con-boxed e-con e-parent\" data-id=\"2a4587c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0cc8d70 e-con-full e-flex e-con e-child\" data-id=\"0cc8d70\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f194e5a elementor-widget elementor-widget-heading\" data-id=\"f194e5a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Whole Life Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-263bca9 elementor-widget elementor-widget-text-editor\" data-id=\"263bca9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Participating Whole Life Insurance is a type of permanent life insurance that provides lifelong coverage while also serving as a tax-efficient asset growth vehicle. It is commonly used for estate planning, retirement income strategies, and long-term wealth accumulation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-836cbb2 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"836cbb2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The policy builds guaranteed cash value and pays annual dividends to policyholders who participate in the insurer\u2019s investment pool. These dividends can be<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19701d5 e-con-full e-flex e-con e-child\" data-id=\"19701d5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9591692 elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"9591692\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Reinvested to purchase additional permanent insurance (PUA)<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efcae0c elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"efcae0c\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Taken in cash<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fca1ff0 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"fca1ff0\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Left on deposit to earn interest.<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bd5dc7 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"8bd5dc7\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjI3NTYiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk to a Specialist Today<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-daf295a e-con-full e-flex e-con e-child\" data-id=\"daf295a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-00e8cca elementor-widget elementor-widget-image\" data-id=\"00e8cca\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"530\" height=\"597\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/whole-life-insurance-image.png\" class=\"attachment-full size-full wp-image-2286\" alt=\"\" srcset=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/whole-life-insurance-image.png 530w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/whole-life-insurance-image-266x300.png 266w\" sizes=\"(max-width: 530px) 100vw, 530px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bbc6d84 e-con-full e-flex e-con e-parent\" data-id=\"bbc6d84\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d07625 elementor-absolute elementor-widget elementor-widget-image\" data-id=\"4d07625\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"105\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/1.svg\" class=\"attachment-full size-full wp-image-869\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18d2abd elementor-widget elementor-widget-image\" data-id=\"18d2abd\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"851\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Think-Of-Term-Image.png\" class=\"attachment-full size-full wp-image-2158\" alt=\"\" srcset=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Think-Of-Term-Image.png 1600w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Think-Of-Term-Image-300x160.png 300w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Think-Of-Term-Image-1024x545.png 1024w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Think-Of-Term-Image-768x408.png 768w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Think-Of-Term-Image-1536x817.png 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-03a0aea e-flex e-con-boxed e-con e-child\" data-id=\"03a0aea\" data-element_type=\"container\" data-settings=\"{&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0f54482 elementor-widget elementor-widget-heading\" data-id=\"0f54482\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Once dividends are credited, they become vested and cannot be reduced, providing stable and predictable growth compared to traditional market-based investments.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c343db9 elementor-widget elementor-widget-heading\" data-id=\"c343db9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Key Advantages:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f37d567 e-flex e-con-boxed e-con e-child\" data-id=\"f37d567\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bb4c571 e-con-full e-flex e-con e-child\" data-id=\"bb4c571\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb43990 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"cb43990\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Tax-free growth of cash value under current CRA tax rules<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11bab2c elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"11bab2c\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Consistent performance, with a current dividend interest rate of 6.25%<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f44470 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"5f44470\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Guarantees on cash value and death benefit growth, updated annually<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d338b73 elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"d338b73\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Efficient estate transfer, including tax-free corporate payouts and capital dividend account (CDA) credits<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8048a6 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"b8048a6\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Diversification through an asset class known for its long-term stability and low volatility<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49b4c8b elementor-absolute elementor-widget elementor-widget-image\" data-id=\"49b4c8b\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"139\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Group-16.png\" class=\"attachment-full size-full wp-image-1183\" alt=\"\" srcset=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Group-16.png 1600w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Group-16-300x26.png 300w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Group-16-1024x89.png 1024w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Group-16-768x67.png 768w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Group-16-1536x133.png 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fe1554b mission-sec e-flex e-con-boxed e-con e-parent\" data-id=\"fe1554b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-acbb30d e-con-full e-flex e-con e-child\" data-id=\"acbb30d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb7427d elementor-widget elementor-widget-image\" data-id=\"bb7427d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"530\" height=\"615\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/How-the-Policy-Grows-Image.png\" class=\"attachment-full size-full wp-image-2322\" alt=\"\" srcset=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/How-the-Policy-Grows-Image.png 530w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/How-the-Policy-Grows-Image-259x300.png 259w\" sizes=\"(max-width: 530px) 100vw, 530px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9ef15de e-con-full e-flex e-con e-child\" data-id=\"9ef15de\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5739906 elementor-widget elementor-widget-heading\" data-id=\"5739906\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How the Policy Grows<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c932300 elementor-widget elementor-widget-text-editor\" data-id=\"c932300\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cash values grow based on the insurer\u2019s Dividend Scale Interest Rate (DSIR), updated annually. Returns are stabilized through a process called smoothing, which reduces the impact of market volatility. Approximately 70% of dividends come from investment performance, while the remainder results from factors like mortality experience, policy lapses, and expense efficiencies.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ea4475 elementor-widget elementor-widget-heading\" data-id=\"8ea4475\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Using the Policy in a Corporate Retirement Strategy<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5527c3c elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5527c3c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When owned by a corporation, the policy\u2019s cash value can be accessed through collateral loans, either by the corporation or the shareholder. This strategy allows for<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c1afd99 e-con-full e-flex e-con e-child\" data-id=\"c1afd99\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2418b96 elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"2418b96\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Tax-efficient retirement income through dividends or loans<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89d030d elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"89d030d\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Access to policy values without triggering immediate tax<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-397e4d2 elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"397e4d2\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Loan repayment using the policy\u2019s death benefit, with remaining funds flowing to the CDA for tax-free distribution to heirs<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96c7190 elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"96c7190\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Loan repayment using the policy\u2019s death benefit, with remaining funds flowing to the CDA for tax-free distribution to heirs<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fad1f69 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"fad1f69\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjI3NTYiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk to a Specialist Today<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a2a011c mission-sec e-flex e-con-boxed e-con e-parent\" data-id=\"a2a011c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-cd6523a e-con-full e-flex e-con e-child\" data-id=\"cd6523a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9cffb7e elementor-widget elementor-widget-heading\" data-id=\"9cffb7e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Important Tax Considerations<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbb8e71 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"dbb8e71\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With proper structuring, shareholder borrowing using corporate-owned insurance as collateral can be executed without triggering a taxable benefit, as supported by CRA interpretations. It\u2019s critical that the loan terms mirror those that would be offered using personal assets as collateral, and that proper documentation and annual reviews are maintained.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b17655a elementor-widget elementor-widget-heading\" data-id=\"b17655a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Conclusion<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65d5290 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"65d5290\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Participating whole life insurance is a powerful and conservative planning tool for individuals and business owners looking to build and preserve wealth, access capital efficiently, and enhance estate value, all while minimizing tax exposure.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb61867 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"eb61867\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjI3NTYiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk to a Specialist Today<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b55cb86 e-con-full e-flex e-con e-child\" data-id=\"b55cb86\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f3eb48 elementor-widget elementor-widget-image\" data-id=\"1f3eb48\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"530\" height=\"607\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Important-Tax-Considerations.png\" class=\"attachment-full size-full wp-image-2321\" alt=\"\" srcset=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Important-Tax-Considerations.png 530w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Important-Tax-Considerations-262x300.png 262w\" sizes=\"(max-width: 530px) 100vw, 530px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-10f33ec mission-sec e-flex e-con-boxed e-con e-parent\" data-id=\"10f33ec\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0e55696 e-con-full e-flex e-con e-child\" data-id=\"0e55696\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eeafd1e elementor-widget elementor-widget-image\" data-id=\"eeafd1e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"530\" height=\"607\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Term-to-100-Life-Insurance.png\" class=\"attachment-full size-full wp-image-2320\" alt=\"\" srcset=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Term-to-100-Life-Insurance.png 530w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Term-to-100-Life-Insurance-262x300.png 262w\" sizes=\"(max-width: 530px) 100vw, 530px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-080729d e-con-full e-flex e-con e-child\" data-id=\"080729d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38119fb elementor-widget elementor-widget-heading\" data-id=\"38119fb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Term to 100 Life Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2231f22 elementor-widget elementor-widget-text-editor\" data-id=\"2231f22\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Term to 100 (T100) is a permanent life insurance product that provides lifetime coverage with a level premium and no cash value or investment component. It is often used in estate planning or to fund fixed future obligations such as taxes at death, business buyouts, or charitable gifts.<\/p><p>T100 is a pure insurance solution\u2014it is designed for individuals who want permanent protection at the lowest possible long-term cost, without the added complexity or investment exposure found in participating or universal life policies.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0314363 elementor-widget elementor-widget-heading\" data-id=\"0314363\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Key Features<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2512d1b e-con-full e-flex e-con e-child\" data-id=\"2512d1b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ec5b3c elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"3ec5b3c\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Lifetime coverage with no expiry (premiums stop at age 100, coverage continues)<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a2028c elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"7a2028c\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Level premiums for life, guaranteed at issue<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7488d46 elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"7488d46\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">No investment component and therefore no cash surrender value<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dcb271a elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"dcb271a\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Simple and transparent structure\u2014ideal for estate protection needs<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-370a633 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"370a633\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjI3NTYiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk to a Specialist Today<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-63e4529 mission-sec e-flex e-con-boxed e-con e-parent\" data-id=\"63e4529\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-90bfb28 e-con-full e-flex e-con e-child\" data-id=\"90bfb28\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ad5820b elementor-widget elementor-widget-heading\" data-id=\"ad5820b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why Choose Term to 100? T100 is often used by<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0b8d488 e-con-full e-flex e-con e-child\" data-id=\"0b8d488\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f139fc elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"7f139fc\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Individuals seeking permanent coverage at a fixed cost<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbb6e39 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"bbb6e39\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Business owners funding buy\/sell agreements<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-231b81c elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"231b81c\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Families looking to cover estate taxes or leave guaranteed legacies<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da1b4c8 elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"da1b4c8\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Donors making planned charitable gifts using life insurance<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37a3133 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"37a3133\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Unlike whole life or universal life, every premium dollar goes toward insurance coverage, not toward building equity. This structure provides maximum death benefit per premium dollar in later years, making T100 highly cost-effective for those who do not require liquidity or cash values during life.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50faf95 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"50faf95\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjI3NTYiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk to a Specialist Today<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ece8eb e-con-full e-flex e-con e-child\" data-id=\"3ece8eb\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-926493f elementor-widget elementor-widget-image\" data-id=\"926493f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"530\" height=\"607\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Why-Choose-Term-to-100-T100-is-often-used-image.png\" class=\"attachment-full size-full wp-image-2319\" alt=\"\" srcset=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Why-Choose-Term-to-100-T100-is-often-used-image.png 530w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Why-Choose-Term-to-100-T100-is-often-used-image-262x300.png 262w\" sizes=\"(max-width: 530px) 100vw, 530px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8f6aec7 mission-sec e-flex e-con-boxed e-con e-parent\" data-id=\"8f6aec7\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-43c3948 e-con-full e-flex e-con e-child\" data-id=\"43c3948\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32a0d7f elementor-widget elementor-widget-image\" data-id=\"32a0d7f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"530\" height=\"663\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Tax-and-Estate-Planning-Benefits-Image.png\" class=\"attachment-full size-full wp-image-2318\" alt=\"\" srcset=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Tax-and-Estate-Planning-Benefits-Image.png 530w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Tax-and-Estate-Planning-Benefits-Image-240x300.png 240w\" sizes=\"(max-width: 530px) 100vw, 530px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7de3ae1 e-con-full e-flex e-con e-child\" data-id=\"7de3ae1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b3d761f elementor-widget elementor-widget-heading\" data-id=\"b3d761f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tax and Estate Planning Benefits<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0e33ee4 e-con-full e-flex e-con e-child\" data-id=\"0e33ee4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bd3f9cf elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"bd3f9cf\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">The death benefit is paid tax-free to beneficiaries or to a corporation<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b5bcd3 elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"2b5bcd3\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">When owned by a corporation, the death benefit (minus ACB) creates a credit to the Capital Dividend Account (CDA)\u2014allowing for a tax-free distribution of corporate assets to heirs or surviving shareholders<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92c6960 elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"92c6960\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">T100 is also commonly used alongside insured retirement or wealth transfer strategies to guarantee estate liquidity or fulfill tax obligations at death<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26da8b3 elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"26da8b3\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Efficient estate transfer, including tax-free corporate payouts and capital dividend account (CDA) credits<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b921c1d elementor-widget elementor-widget-text-editor\" data-id=\"b921c1d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Corporate Ownership Use Case:<\/strong> T100 is frequently chosen by incorporated professionals or holding companies that<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3dc51ac e-con-full e-flex e-con e-child\" data-id=\"3dc51ac\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-659ba8c elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"659ba8c\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Want guaranteed insurance for future tax liabilities<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efa2b56 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"efa2b56\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Prefer a simple, low-maintenance solution<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2839294 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"2839294\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Do not need to build or access policy cash value<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ed23b5 elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"6ed23b5\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">intend to maximize estate value and utilize CDA planning<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1959d4 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"e1959d4\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjI3NTYiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk to a Specialist Today<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-041254c mission-sec e-flex e-con-boxed e-con e-parent\" data-id=\"041254c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-62b9e87 e-con-full e-flex e-con e-child\" data-id=\"62b9e87\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a020ad8 elementor-widget elementor-widget-heading\" data-id=\"a020ad8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bcf6a2 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5bcf6a2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Term to 100\u00a0is a straightforward,\u00a0no-frills permanent life insurance\u00a0solution that offers\u00a0lifetime coverage at a guaranteed cost, making it ideal for estate planning, business succession, or charitable giving. It is often the\u00a0lowest-cost permanent option\u00a0available when long-term protection is needed without an investment component.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca8e24d elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"ca8e24d\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjI3NTYiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk to a Specialist Today<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-283c1b7 e-con-full e-flex e-con e-child\" data-id=\"283c1b7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b87197 elementor-widget elementor-widget-image\" data-id=\"5b87197\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"530\" height=\"480\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Conclusion.png\" class=\"attachment-full size-full wp-image-2317\" alt=\"\" srcset=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Conclusion.png 530w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Conclusion-300x272.png 300w\" sizes=\"(max-width: 530px) 100vw, 530px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a7221d8 mission-sec e-flex e-con-boxed e-con e-parent\" data-id=\"a7221d8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-32822b7 e-con-full e-flex e-con e-child\" data-id=\"32822b7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-124b530 elementor-widget elementor-widget-image\" data-id=\"124b530\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"530\" height=\"659\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Universal-life-insurance.png\" class=\"attachment-full size-full wp-image-2316\" alt=\"\" srcset=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Universal-life-insurance.png 530w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Universal-life-insurance-241x300.png 241w\" sizes=\"(max-width: 530px) 100vw, 530px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-13dd546 e-con-full e-flex e-con e-child\" data-id=\"13dd546\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe4717f elementor-widget elementor-widget-heading\" data-id=\"fe4717f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Universal life insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7dfb10 elementor-widget elementor-widget-text-editor\" data-id=\"a7dfb10\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Universal Life Insurance (UL) is a flexible form of permanent life insurance that combines lifetime coverage with the ability to accumulate investment assets within the policy on a tax-advantaged basis. UL is often used for wealth transfer, corporate planning, and long-term tax optimization strategies.<\/p><p>It allows policyholders to choose how their premiums are allocated\u2014between the cost of insurance and a selection of <strong>investment options.<\/strong> Within the <strong>tax-exempt limits defined by CRA,<\/strong> the cash value grows tax-deferred, and the death benefit is paid tax-free to beneficiaries.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5da98e elementor-widget elementor-widget-heading\" data-id=\"a5da98e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Key Advantages<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-95c5fff e-con-full e-flex e-con e-child\" data-id=\"95c5fff\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1953945 elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"1953945\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Permanent coverage with flexible premiums and adjustable death benefits<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5ea84d elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"e5ea84d\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">ax-sheltered investment growth within the policy<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8ffeca elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"a8ffeca\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Wide range of investment options, including guaranteed and market-based accounts<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08336e8 elementor-position-left elementor-vertical-align-middle elementor-widget elementor-widget-image-box\" data-id=\"08336e8\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Cost transparency, with clear separation between insurance charges and investment components<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a05291e elementor-position-left elementor-vertical-align-middle elementor-widget elementor-widget-image-box\" data-id=\"a05291e\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Estate planning efficiency, including capital dividend account (CDA) credit when corporately owned<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3688c2 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"b3688c2\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjI3NTYiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk to a Specialist Today<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-23df6e7 e-con-full e-flex e-con e-parent\" data-id=\"23df6e7\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c20206b elementor-absolute elementor-widget elementor-widget-image\" data-id=\"c20206b\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"105\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/1.svg\" class=\"attachment-full size-full wp-image-869\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6823e8 elementor-widget elementor-widget-image\" data-id=\"a6823e8\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2000\" height=\"1334\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/d3d298f7409186abbbd576235b7f1cc29001be11.png\" class=\"attachment-full size-full wp-image-2390\" alt=\"\" srcset=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/d3d298f7409186abbbd576235b7f1cc29001be11.png 2000w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/d3d298f7409186abbbd576235b7f1cc29001be11-300x200.png 300w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/d3d298f7409186abbbd576235b7f1cc29001be11-1024x683.png 1024w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/d3d298f7409186abbbd576235b7f1cc29001be11-768x512.png 768w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/d3d298f7409186abbbd576235b7f1cc29001be11-1536x1025.png 1536w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f2e23d e-flex e-con-boxed e-con e-child\" data-id=\"7f2e23d\" data-element_type=\"container\" data-settings=\"{&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a23fc35 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"a23fc35\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Investment Flexibility and Tax Efficiency<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd8d4d7 elementor-widget elementor-widget-text-editor\" data-id=\"cd8d4d7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>UL allows the policyholder to direct the investment of the cash value among options such as<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-95b2fa9 e-con-full e-flex e-con e-child\" data-id=\"95b2fa9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0fcc1c7 elementor-position-left elementor-widget-mobile__width-inherit elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"0fcc1c7\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Daily interest accounts<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69ffd5e elementor-position-left elementor-widget-mobile__width-inherit elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"69ffd5e\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">GIC-style accounts<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87c3625 elementor-position-left elementor-widget-mobile__width-inherit elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"87c3625\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Equity indexes<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43a2377 elementor-position-left elementor-widget-mobile__width-inherit elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"43a2377\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Managed fund accounts<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f88b34 elementor-widget elementor-widget-text-editor\" data-id=\"0f88b34\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>These investments grow on a tax-deferred basis, provided the policy complies with the Exempt Test Policy<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7a1e7e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b7a1e7e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Similar to whole life planning, collateral loan strategies can be structured so the corporation or shareholder is the borrower. Proper planning ensures the loan proceeds can be received without immediate tax, and that death benefit proceeds can be distributed tax-free through the CDA.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1e1df2 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"d1e1df2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Important Considerations<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56ff4c8 e-flex e-con-boxed e-con e-child\" data-id=\"56ff4c8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-294febb e-con-full e-flex e-con e-child\" data-id=\"294febb\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3523249 elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"3523249\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">UL provides flexibility, but requires active monitoring of investment performance, cost of insurance, and tax-exempt limits.<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9702c11 elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"9702c11\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">It is well-suited for clients who want control over asset allocation and are comfortable with market-related exposure.<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0a97bd5 e-con-full e-flex e-con e-child\" data-id=\"0a97bd5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0ea62f2 elementor-position-left elementor-vertical-align-middle elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"0ea62f2\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">It is well-suited for clients who want control over asset allocation and are comfortable with market-related exposure.<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a231ad elementor-position-left exception-txt elementor-vertical-align-top elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"6a231ad\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/fi_17767109.svg\" class=\"attachment-full size-full wp-image-2181\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">For long-term success, the policy must be properly designed and funded, especially in a corporate context, to maximize tax advantages and ensure the policy remains exempt under CRA rules.<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2777143 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2777143\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Conclusion:<\/strong> Universal Life Insurance offers a powerful combination of permanent protection, investment control, and tax-deferred growth. For business owners and high-net-worth individuals, it can be an integral part of a broader financial and estate plan\u2014allowing for capital accumulation, tax mitigation, and efficient wealth transfer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec31b49 elementor-absolute elementor-widget elementor-widget-image\" data-id=\"ec31b49\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"139\" src=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Group-16.png\" class=\"attachment-full size-full wp-image-1183\" alt=\"\" srcset=\"https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Group-16.png 1600w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Group-16-300x26.png 300w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Group-16-1024x89.png 1024w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Group-16-768x67.png 768w, https:\/\/fm-connect1.fortmindz.in\/wp-schwarz-wealth\/wp-content\/uploads\/2025\/05\/Group-16-1536x133.png 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6441ff3 contact-sec e-flex e-con-boxed e-con e-parent\" data-id=\"6441ff3\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-47b272c e-con-full e-flex e-con e-child\" data-id=\"47b272c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9b048d7 elementor-widget elementor-widget-heading\" data-id=\"9b048d7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Final Thoughts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd7dfc2 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"cd7dfc2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You\u2019ve invested over a decade in your education and career. Why leave your financial protection in someone else\u2019s hands?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e498e3 elementor-position-left elementor-view-default elementor-mobile-position-top elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"4e498e3\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"tel:416-673-5662\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"416-673-5662\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><g clip-path=\"url(#clip0_413_2409)\"><rect width=\"30\" height=\"30\" rx=\"15\" fill=\"white\"><\/rect><path d=\"M15 0C12.0333 0 9.13319 0.879734 6.66645 2.52795C4.19971 4.17617 2.27713 6.51885 1.14181 9.25974C0.00649941 12.0006 -0.290551 15.0166 0.288227 17.9263C0.867005 20.8361 2.29562 23.5088 4.3934 25.6066C6.49119 27.7044 9.16393 29.133 12.0736 29.7118C14.9834 30.2905 17.9994 29.9935 20.7402 28.8582C23.4811 27.7229 25.8238 25.8003 27.472 23.3335C29.1203 20.8668 30 17.9667 30 15C30 11.0217 28.4196 7.20644 25.6066 4.3934C22.7936 1.58035 18.9782 0 15 0ZM15.643 9.21399C17.0065 9.21558 18.3137 9.75794 19.2779 10.7221C20.242 11.6863 20.7844 12.9935 20.786 14.357H19.5C19.4989 13.3344 19.0922 12.354 18.3691 11.6309C17.646 10.9078 16.6656 10.5011 15.643 10.5V9.21399ZM19.808 24C19.769 24 15.908 23.934 10.943 19.057C6.066 14.094 6 10.231 6 10.192C6 9.71099 9 6 9.663 6C9.893 6 10.072 6.156 10.268 6.39C10.74 6.952 12.827 10.246 12.731 10.795C12.685 11.053 12.466 11.249 11.838 11.776C11.5286 12.0193 11.239 12.2868 10.972 12.576C11.0999 13.1052 11.2898 13.6174 11.538 14.102C12.4625 16.0029 13.9986 17.5383 15.9 18.462C16.3846 18.7101 16.8968 18.9001 17.426 19.028C17.7152 18.761 17.9827 18.4714 18.226 18.162C18.753 17.534 18.949 17.315 19.207 17.269C19.756 17.169 23.05 19.26 23.612 19.732C23.846 19.932 24.002 20.107 24.002 20.337C24 21 20.289 24 19.808 24ZM22.714 14.357C22.7119 12.4823 21.9662 10.685 20.6406 9.35938C19.315 8.03377 17.5177 7.28811 15.643 7.286V6C17.8586 6.00264 19.9827 6.88396 21.5494 8.45063C23.116 10.0173 23.9973 12.1414 24 14.357H22.714Z\" fill=\"#0175B2\"><\/path><\/g><defs><clipPath id=\"clip0_413_2409\"><rect width=\"30\" height=\"30\" rx=\"15\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"tel:416-673-5662\" >\n\t\t\t\t\t\t\t416-673-5662\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23f89d4 elementor-position-left elementor-view-default elementor-mobile-position-top elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"23f89d4\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"mailto:info@schwarzwealth.com\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"info@schwarzwealth.com\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_424_1341)\"><rect width=\"24\" height=\"24\" rx=\"12\" fill=\"white\"><\/rect><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12 24C5.38317 24 0 18.6168 0 12C0 5.38317 5.38317 0 12 0C18.6168 0 24 5.38317 24 12C24 18.6168 18.6168 24 12 24ZM18.223 16.2155C18.371 16.2155 18.4914 16.0951 18.4914 15.9472V8.41355L12.3859 13.2619C12.273 13.3517 12.1364 13.3965 12 13.3965C11.8635 13.3965 11.727 13.3516 11.614 13.2619L5.50856 8.41355V15.9472C5.50856 16.0951 5.62898 16.2155 5.77692 16.2155H18.223ZM17.2874 7.78448L12 11.9833L6.71255 7.78448H17.2874ZM19.7328 8.05284V15.9473C19.7328 16.7797 19.0555 17.457 18.223 17.457H5.77692C4.94442 17.457 4.26722 16.7797 4.26722 15.9473V8.05284C4.26722 7.22039 4.94447 6.54314 5.77692 6.54314H18.223C19.0555 6.54309 19.7328 7.22039 19.7328 8.05284Z\" fill=\"#0175B2\"><\/path><\/g><defs><clipPath id=\"clip0_424_1341\"><rect width=\"24\" height=\"24\" rx=\"12\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"mailto:info@schwarzwealth.com\" >\n\t\t\t\t\t\t\tinfo@schwarzwealth.com\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00e5a4d elementor-position-left elementor-widget-mobile__width-initial elementor-view-default elementor-mobile-position-top elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"00e5a4d\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/maps.app.goo.gl\/8o6aFdo2uHcjS1yZ7\" target=\"_blank\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"3625 Dufferin St. Suite 340. Toronto, ON. M3K 1Z2\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_466_1345)\"><rect width=\"24\" height=\"24\" rx=\"12\" fill=\"white\"><\/rect><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12 24C5.37364 24 0 18.6264 0 12C0 5.37364 5.37364 0 12 0C18.6264 0 24 5.37364 24 12C24 18.6264 18.6264 24 12 24ZM12 4.19471C15.2827 4.19471 17.9438 6.85578 17.9438 10.1385C17.9438 13.4211 12 19.8052 12 19.8052C12 19.8052 6.05622 13.4211 6.05622 10.1385C6.05622 6.85578 8.71729 4.19471 12 4.19471ZM12 7.77695C13.2446 7.77695 14.2539 8.78627 14.2539 10.031C14.2539 11.2756 13.2446 12.2849 12 12.2849C10.7554 12.2849 9.74608 11.2756 9.74608 10.031C9.74608 8.78627 10.7554 7.77695 12 7.77695Z\" fill=\"#0175B2\"><\/path><\/g><defs><clipPath id=\"clip0_466_1345\"><rect width=\"24\" height=\"24\" rx=\"12\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/maps.app.goo.gl\/8o6aFdo2uHcjS1yZ7\" target=\"_blank\" >\n\t\t\t\t\t\t\t3625 Dufferin St. Suite 340. Toronto, ON. M3K 1Z2\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07b2f64 elementor-widget elementor-widget-google_maps\" data-id=\"07b2f64\" data-element_type=\"widget\" data-widget_type=\"google_maps.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-custom-embed\">\n\t\t\t<iframe loading=\"lazy\"\n\t\t\t\t\tsrc=\"https:\/\/maps.google.com\/maps?q=3625%20Dufferin%20St.%20Suite%20340.%20Toronto%2C%20ON.%20M3K%201Z2&#038;t=m&#038;z=10&#038;output=embed&#038;iwloc=near\"\n\t\t\t\t\ttitle=\"3625 Dufferin St. Suite 340. Toronto, ON. M3K 1Z2\"\n\t\t\t\t\taria-label=\"3625 Dufferin St. Suite 340. Toronto, ON. M3K 1Z2\"\n\t\t\t><\/iframe>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ab7deb e-con-full e-flex e-con e-child\" data-id=\"5ab7deb\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bcb575c e-flex e-con-boxed e-con e-child\" data-id=\"bcb575c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e84df7 elementor-widget elementor-widget-heading\" data-id=\"5e84df7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Book A Free Call<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2eaf1b9 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2eaf1b9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Let\u2019s customize a plan that fits your specialty, income, and goals.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fff4e51 elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"fff4e51\" data-element_type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"New Form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"29\"\/>\n\t\t\t<input 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It is commonly used for estate planning, retirement income strategies, and long-term wealth accumulation. The policy builds guaranteed cash value and pays annual dividends to policyholders who participate [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-29","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Permanent Life Insurance - Schwarz Wealth<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Permanent Life Insurance - Schwarz Wealth\" \/>\n<meta property=\"og:description\" content=\"Whole Life Insurance Participating Whole Life Insurance is a type of permanent life insurance that provides lifelong coverage while also serving as a tax-efficient asset growth vehicle. 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