OPTIMIZERPlus - Insurance Funded Pension Enhancer

• PENSIONPlus
• PENSIONPlus GIF
• The Annuitizer
• The Optimizer
• OPTIMIZERPlus
• PENSIONWrap

Are you married to a much younger spouse?  Are you concerned that Provincial Pension Legislation reduces your primary retirement benefits due to your much younger spouse?

The Solution:

An OPTIMIZERPlus contract that can ultimately be assigned to the spouse is purchased.  Contributions are made to OPTIMZERPlus to the extent required to provide the spouse with a tax-free sum on the death of the primary member to provide the required net annual survivor benefit.