This is your introductory guide to navigating cross-border and international insurance. Focusing on key strategies, tax considerations, and opportunities to serve clients across jurisdictions.

This session will provide insights for financial professionals navigating the complexities of cross-border insurance while identifying new opportunities in the United States and the global market. 

1)        Introduction

a.        Overview of cross-border insurance complexities 

b.        Key client concerns and scenarios (HNW families with estate tax concerns; Exposure to various jurisdictions)                                                                           

2)        Insurance Structures and Strategies 

a.        Permanent Life Insurance in Canada: Features and Applications

b.        Whole Life and the Immediate Financing Arrangement (premium financing) 

c.        Key differences between Canadian and U.S. policies: Tax treatment, ownership, and compliance

d.        Risks and pitfalls for U.S. persons using Canadian insurance strategies 

e.        Decision-making framework: Choosing between Canadian and U.S. policies for dual citizens and cross-border clients

3)        Global Opportunities Beyond Canada and the U.S. 

a.        Expanding services to international clients 

b.        Exploring offshore insurance opportunities in Bermuda 

c.        Key considerations: Residency requirements and ownership structures 

Presenters:

Matthew Hutchison, LL.B. - Hutchison Financial

Matthew combines his legal and financial planning and wealth management expertise for High-Net-Worth and Ultra-High-Net Worth individuals and families. He specializes in tackling complex challenges by developing and implementing innovative insurance, investment, and estate planning strategies to maximize client's wealth, protect assets, and reduce taxes.

Lorne Saltman - Partner at Gardiner Roberts 

Lorne Saltman is the Head of the Tax Group. He has extensive experience in diverse areas of tax practice, including in-depth experience on both the international and domestic levels involving wealth preservation for high-net worth clients, cross-border acquisitions and financings, corporate reorganizations, real estate ventures, and the establishment of off shore trusts and private foundations;

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Registration $35 - Recording Available 

No charge for Estate Planning Council of Canada Members

Guests are welcome - this event is for Professional Advisors only.