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Why Business Owners Are Investing Millions in a Strategy That CPAs Often Miss

By Mark Arruda, BMATH, FCIA, FSA, CERA, James W. Kraft, CPA, CA, MTAX, CFP, FEA and Jeffrey H. Haugh, B.Phil, LL.B., CFP, CLU

Many CPAs who specialize in creating tax efficiencies don’t expand their team to include life insurance professionals. But used well, life insurance helps solve significant problems for business owners. This article examines how permanent life insurance helps enhance a corporate balance sheet by minimizing tax burdens and enhancing liquidity.

Life Insurance As An Asset Class

By Wayne Miller, BMATH, ASA, ACIA, Mark Arruda, BMATH, FCIA, FSA, CERA and Martin Ng, CFA

Though known more for its estate planning benefits than as an investment tool, permanent life insurance is attracting attention among investors looking to improve the return or reduce the risk of the fixed-income portion of their investment portfolio. Have a look at the merits of permanent life insurance as an alternative asset class in a research paper by leading industry experts Wayne Miller, Mark Arruda and Martin Ng.

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