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About You
2
What You Own
3
Debts
4
Insurance
5
Your Results
📚 Educational tool only. Illustrates possible estate outcomes for insurance planning — not financial, tax, or legal advice.
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Let's start with you
Takes about 5 minutes. Nothing is saved or shared.
years
Do you have a spouse or common-law partner?
Changes how RRSP tax works — one of the biggest estate differences for couples
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Tax rate
Affects how much your RRSP is taxed at death
43%
Is this estate incorporated?
Owns a corporation, professional corp, or business with shares? Turn this on — no names needed, just unlocks the business planning section.
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Real estate
Main home is tax-free. Cottages and rentals are not.
| Property | Value ($) | What you paid ($) | Growth %/yr | Type | |
|---|---|---|---|---|---|
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RRSP / RRIF Fully taxed at death
Entire balance becomes taxable income the year you die — a common surprise for families.
Your RRSP / RRIF
| Account | Balance ($) | Adding/yr ($) | Growth %/yr (realistic: 4–10%) | |
|---|---|---|---|---|
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TFSA
No tax at death — but only if you name a beneficiary. Otherwise goes through the estate.
| Account | Balance ($) | Adding/yr ($) | Growth %/yr | Beneficiary named? | |
|---|---|---|---|---|---|
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Other investments
Stocks, seg funds, GICs. Seg funds with a named beneficiary skip probate — a key advantage over mutual funds.
| Description | Value ($) | What you paid ($) | Growth %/yr | Type | Named bene? | |
|---|---|---|---|---|---|---|
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Business interests
Corporation or small business shares. LCGE $1,275,000 (2026) for qualifying businesses.
| Business / corporation name | Value ($) | Your cost ($) | Growth %/yr | LCGE eligible? |
|---|
💡 Enter the combined value. If you have both an OpCo and HoldCo, add them as separate rows. The Corporate Module below handles structure details.
Corporate Planning Module
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Corporate structure
No names needed — just describe how the business is held. Changes how insurance, probate, and taxes are modelled.
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How this works
When a corporation owns a life insurance policy and the shareholder dies, the death benefit creates a Capital Dividend Account (CDA) credit. This may allow the corporation to pay a tax-free capital dividend to the estate — often significantly better than personally-owned insurance. Always confirm with your accountant.
Business Continuity
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What happens to the business?
If the owner dies, who takes over? Is there money available to buy out the estate?
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What do you owe?
Mortgages, lines of credit. Paid first before your family sees anything.
| Debt | Balance ($) | Years left | |
|---|---|---|---|
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Estate costs
Come out automatically before your family gets anything
1.5%
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Term insurance has an expiry date — and most people forget this
A 20-year term bought 10 years ago expires in 10 more years. If your family still needs coverage, options become much more expensive — or may not be available at all.
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Life insurance you already have
We'll check if it covers the gap and flag any term policies that expire too soon
| Insured | Type | Pays out ($) | Term | Year started | Named bene? | Status | |
|---|---|---|---|---|---|---|---|
| - |
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Your estate report is ready
Enter your name and email to unlock your personalized results — including your Estate Efficiency Score, liquidity analysis, and three coverage strategies.
ESTATE VALUE
$?.??M
TAX EXPOSURE
$???K
YOUR SCORE
??/100
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