Estate Planning.
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When you die, your assets can be transferred tax-free to your spouse. But, when your spouse dies and the assets are passed on to other heirs, 50% of the increase in the value of some assets will be subject to tax. Life insurance can be an effective tool to fund the tax liability.
Assets that are passed to your heirs after you pass may be subject to significant taxes, but insurance can help offset these costs.
One of the mistakes couples in blended families make is to designate each other as the direct beneficiary of all their assets or to hold all their assets in joint ownership.
After any major life event, such as a birth, death or divorce, it’s important to review your estate plan to ensure it reflects your new reality.
If you die without a will, you are considered to have died “intestate.” The provincial government will then decide what happens with your estate.

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