Infinite Banking Explained | How Canadians Use Life Insurance to Build Wealth

Infinite Banking is a powerful wealth building strategy for Canadians, but it is widely misunderstood. Many people ask whether it actually works, who it is for, and what the real benefits and risks are.

In this video, Laurent Munier from Safe Pacific Financial explains what Infinite Banking really is, how it works in Canada, and how incorporated professionals and business owners use it as part of a long term wealth and estate planning strategy.

You will learn how permanent life insurance can be structured to build tax advantaged capital, provide access to liquidity through policy loans, and transfer wealth to your family in a tax efficient way.

This is not a get rich quick strategy. Infinite Banking requires proper setup, discipline, and long term planning. When done correctly, it can be a powerful complement to a broader financial plan.

What this video covers:
• What Infinite Banking is and how it works in Canada
• How policy loans work and when they can be useful
• The real benefits and limitations of Infinite Banking
• Who this strategy is best suited for
• Common mistakes and how to avoid them

Laurent Munier is a Partner and Advisor at Safe Pacific Financial. Our team has spent over a decade helping Canadian business owners and incorporated professionals implement advanced wealth and estate planning strategies using permanent life insurance.

Why Canadians consider Infinite Banking:
• Access to capital without relying on traditional lenders
• Tax advantaged growth inside an insurance policy
• Continued compounding even while accessing cash
• Tax efficient transfer of wealth to family and beneficiaries

Is Infinite Banking right for you?
This strategy is not suitable for everyone. It works best for Canadians with stable cash flow, a long term mindset, and a desire to build and preserve wealth efficiently. This video will help you determine whether it fits your situation.

Want help setting this up properly?
Book a no pressure Infinite Banking discovery call at
https://safepacific.com/ibc-schedule

We specialize in working with incorporated Canadians to grow, access, and transfer wealth tax efficiently.

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Capital Dividend Account (CDA) Explained | How to Pay Yourself Tax-Free From Your Corporation

If you are a Canadian business owner or incorporated professional, the Capital Dividend Account (CDA) can be one of the most powerful ways to extract corporate value tax free, without triggering personal tax.

In this video, Laurent Munier from Safe Pacific Financial breaks down what the CDA is, how it works, what creates CDA room, and the step by step process your accountant needs to follow to keep everything CRA compliant.

You will also see a practical example showing how an incorporated professional can use capital gains and corporate owned life insurance to create significant tax free distributions for their family and estate.

Timestamps – Jump to What Matters Most:

00:00 – The promise: extract corporate profits tax free
00:17 – Meet Laurent and what Safe Pacific helps with
00:39 – What the Capital Dividend Account is and why it matters
01:29 – What creates CDA room: the main sources
03:01 – Why CDA planning is so valuable for incorporated Canadians
04:00 – Reason 1: capital gains create tax free CDA credits
04:55 – Reason 2: corporate owned life insurance can create CDA
06:02 – Reason 3: access corporate profits without personal tax
07:04 – Reason 4: estate, family, and succession planning uses
08:53 – How to use the CDA properly: step by step process
10:12 – Schedule 89: verifying your CDA balance with CRA
10:40 – Electing dividends and avoiding costly overpayments
11:43 – Non resident shareholders and withholding tax considerations
12:10 – Documentation and audit readiness
12:57 – Case study: Dr. Wong, incorporated dentist in Toronto
13:30 – $1M capital gain example and the CDA breakdown
14:25 – Using corporate owned insurance to create future CDA credits
16:17 – Key rules and mistakes to avoid
17:08 – Overpaying the CDA and penalties
18:57 – Filing the right CRA forms on time
20:39 – Anti avoidance rules and GAAR considerations
22:21 – Final takeaway: keep more wealth in your family
23:49 – Book a discovery call with Safe Pacific
24:07 – Like, subscribe, and help these videos reach more business owners

Want help implementing CDA and corporate estate planning the right way?
Book a no pressure discovery call at https://safepacific.com/discovery-schedule
We specialize in working with incorporated Canadians to grow and transfer wealth tax efficiently.

Like this video if it helped
Share it with a business owner or incorporated professional
Subscribe for more Canadian wealth planning strategies

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Are You Maximizing Your Business’s Financial Potential?Set up an Intro meeting to see if we're a good fit to work together here: https://safepacific.com/intro-schedule/As a Canadian business owner, you’ve worked hard to build your business—now it’s time to make your money work for you! In this video, Laurent Munier, partner at Safe Pacific Financial, reveals powerful strategies to help you leverage your company’s retained earnings, reduce taxes, and protect your family's financial future.With nearly 15 years of expertise, Safe Pacific has earned the trust of business owners across Canada by simplifying complex financial strategies and delivering real results. Discover how to:✅ Grow your business savings tax-efficiently✅ Safeguard your family’s financial future✅ Minimize taxes and maximize retained earnings✅ Create a seamless legacy for future generationsGet inspired by real-life success stories where clients saved hundreds of thousands in taxes, optimized retained earnings, and built secure financial legacies using whole life insurance strategies.Ready to Transform Your Financial Future?👉 Visit safepacific.com to book your consultation and start building a personalized strategy today!Don’t forget to LIKE, SUBSCRIBE, and SHARE for more expert financial insights! Set up an Intro meeting to see if we're a good fit to work together here: https://safepacific.com/intro-schedule/Blog: https://safepacific.com/why-work-with-safe-pacific/LinkedIn: https://www.linkedin.com/company/safe-pacific-financialInstagram: https://www.instagram.com/safepacific/