How to Use Life Insurance as Capital Gains Relief in CanadaIf you’re a Canadian business owner, real estate investor, or incorporated professional, your biggest tax bill may not come during your lifetime — it could hit your estate after you’re gone.Book a Discovery meeting here:https://safepacific.com/discovery-schedule/When you pass away, the CRA treats death like a sale. Your business shares, real estate, and non-registered investments are all deemed sold at fair market value, often triggering a massive capital gains tax bill. Without planning, that tax can force your family to sell assets, liquidate investments, or give up part of what you spent decades building.In this video, I’ll show you how life insurance can be used as a powerful capital gains relief strategy in Canada — helping offset or even eliminate capital gains tax at death, while preserving your legacy for the next generation.Hi, I’m Laurent Munier, Partner and Advisor at Safe Pacific Financial.We help Canadian professionals and business owners grow, protect, and transfer wealth using tax-efficient strategies built for Canada’s rules — not generic advice.Timestamps00:00 Intro: The capital gains problem at death00:49 Deemed disposition: what CRA assumes when you die01:41 What gets taxed: real estate, corporations, investments03:00 What happens to families without a liquidity plan04:45 Why life insurance is the cleanest solution05:33 How it works: tax-free liquidity to cover capital gains06:37 Corporate-owned insurance + the CDA explained08:20 Post-mortem planning strategies insurance supports10:47 Real example: offsetting a $500,000 tax bill14:04 Final thoughts: plan ahead to protect your legacy17:37 How to work with Safe Pacific + book a consult18:22 Wrap-up + like/comment/subscribeWhat You’ll Learn in This VideoWhat actually happens to capital gains at death in CanadaHow deemed disposition creates large tax bills for estatesWhy capital gains tax is one of the biggest threats to generational wealthHow permanent life insurance provides tax-free liquidity at deathHow corporate-owned life insurance and the Capital Dividend Account (CDA) work togetherA real-world example showing how life insurance can offset a $500,000 capital gains tax billWho This Strategy Is ForThis video is especially relevant if you:Own a business or holding companyHold real estate outside your principal residenceHave retained earnings or investments inside a corporationAre an incorporated professional (doctor, dentist, accountant, lawyer)Want to pass on wealth without forcing asset sales or CRA surprisesLife insurance isn’t just about income replacement. When structured correctly, it becomes one of the most effective estate planning and tax tools available in Canada — providing liquidity exactly when your estate needs it most.Why Capital Gains Planning MattersWithout a plan, capital gains tax can quietly erode 25–30% (or more) of your estate’s value. With the right structure in place, life insurance can:Cover capital gains tax without selling assetsCreate tax-free distributions through the CDAPreserve businesses and real estate for heirsReduce stress, delays, and family conflictNext StepsIf you want to understand how this strategy could work for your situation — whether personally or inside a corporation — we can walk you through it step by step.Book a Discovery meeting here:https://safepacific.com/discoveryIf you found this video helpful:- Like the video- Leave a comment with your questions- Subscribe for more Canadian tax and wealth planning strategiesShare this with a business owner or investor who should be thinking about capital gains planningGET STARTED NEXT STEPS https://safepacific.com/discovery-schedule/SUBSCRIBE https://www.youtube.com/safepacific?sub_confirmation=1INSTAGRAM https://www.instagram.com/safepacific/LINKEDIN https://www.linkedin.com/company/safe-pacific-financial