Estate Protection

If negotiated as part of your settlement, your structure can include a guarantee period to protect your estate. A guarantee specifices that a minimum number of payments must be made, whether you are alive or not.

For example, a structure can provide lifetime income with a 25 year guarantee period. You receive payments for as long as you live, no matter how long that is. But if you die before 25 years of payments have been made, your estate or beneficiaries receive the remaining guaranteed payments tax free.

Without a structure, depending on how your settlement funds from a conventional lump-sum are invested, your beneficiaries may have to pay tax on capital gains, upon your death.

 

Remember!
Your right to choose a guarantee period for your structure to protect your estate must be negotiated as part of your settlement.

• History of Structured Settlements in Canada
• Why Should I Choose a Structure?
  • Unlimited Flexibility in Design
  • No Fees, No Income Tax – Ever!
  • Capital Protection
  • Inflation Protection
  • Estate Protection
  • More Income with Impairment Ratings on Lifetime Structures
  • Structures Offer Unparalleled Security
• Learn More About The McKellar Structured Settlement™
• The McKellar Guide