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The Insured Retirement Plan (IRP): Canada’s Smartest Wealth & Retirement Strategy for Business Owners 🇨🇦💼

Set up a Discovery meeting here: https://safepacific.com/discovery-sch...

What if there was a way to…
✅ Grow your money tax-free — with no stock market risk
✅ Access capital for your business or lifestyle — without triggering taxes
✅ Retire with a stable, tax-free income stream
✅ And leave a guaranteed, tax-free legacy to your family?

That’s exactly what the Insured Retirement Plan (IRP) offers — and it’s one of the best-kept secrets for incorporated Canadians looking to take control of their financial future.

Hi, I’m Laurent Munier, Partner & Advisor at Safe Pacific. For over 13 years, we’ve been helping Canadian business owners and professionals grow their wealth, protect their families, and build lasting financial legacies using tools like the IRP.

📈 What Is the Insured Retirement Plan?
The IRP is a strategic way to use a Participating Whole Life Insurance policy as a long-term financial asset. Think of it as a private pension plan you control — designed to:

🔹 Accumulate tax-advantaged wealth inside your holding company
🔹 Give you tax-free access to that money in retirement through collateral loans
🔹 Protect your estate with a large, tax-free death benefit
🔹 Transfer your wealth to the next generation efficiently through Canada’s Capital Dividend Account (CDA)

💰 Who Is the IRP For?
The IRP is ideal for Canadian business owners, incorporated professionals, and high-net-worth individuals who:

✔ Earn $150K+ per year and are incorporated
✔ Have strong cash flow and want to invest $50K–$250K per year for 10+ years
✔ Have maxed their RRSPs, TFSAs, and pensions
✔ Want to retire without relying on RRIF withdrawals or stock market performance
✔ Are looking for a tax-free strategy that works within the Canadian Income Tax Act
✔ Want to leave a legacy and reduce taxes at death

🧠 How Does It Work?
1️⃣ Set up a whole life insurance policy — structured for maximum cash value growth
2️⃣ Fund the policy over 10+ years — with after-tax corporate dollars
3️⃣ Let it grow — tax-free, protected from CRA and market swings
4️⃣ Use the cash value — as collateral for loans in retirement
5️⃣ Live off the loans — tax-free income for life
6️⃣ When you pass — the death benefit pays off the loan, and the rest goes to your heirs, tax-free

This strategy works within CRA rules, and we’ve helped hundreds of clients implement it successfully — including doctors, dentists, tech founders, real estate investors, and family business owners.

📊 Real-Life Example from the Video
In this episode, we walk you through a real client scenario using Sun Life:

👤 John Smith, age 40, contributes $250,000/year for 10 years
💵 By age 65, he has over $6 million in cash value
🏦 He borrows over $330,000/year tax-free in retirement
💀 When he passes at age 90, $4.8 million is left to his family — tax-free

⚠️ What Are the Risks?
We’re straight shooters — this strategy isn’t for everyone. Laurent covers the risks you need to know:

❌ You must qualify for life insurance
❌ You need 10+ years of funding before using it
❌ Tax laws or lending rules could change in the future
❌ This isn’t “get rich quick” — it’s a long-term, sophisticated wealth strategy

If that all sounds like a fit, this could be the strategy that completely changes your retirement and estate plan.

🔑 Why the IRP Is Better Than RRSPs or Stocks for Many Business Owners
✔ No tax on growth
✔ No forced RRIF withdrawals
✔ No capital gains
✔ No OAS clawback
✔ No market volatility
✔ No tax at death
✔ Private, creditor-protected, and fast to pay out

🗓️ Ready to Explore Your IRP?
Book a free Discovery Call with our team at https://safepacific.com

We’ll help you figure out: 🔍 If the IRP makes sense for your situation
💡 What kind of contribution makes sense
📈 What kind of retirement cash flow and legacy you could create

✅ Like this video if you learned something
💬 Comment with your questions — we actually reply
📢 Share it with a business owner or professional who needs this info
🔔 Subscribe for more Canadian tax and wealth strategies

See you in the video — and thanks for helping spread the word.

Set up a Discovery meeting here: https://safepacific.com/discovery-sch...

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