Estate Bond Strategy: Tax-Efficient Wealth Transfer in Canada

A black and white tree model, symbolizing tax-efficient wealth transfer, is enclosed in a glass dome, set against a solid bright green background.

Originally posted on June 18, 2025. Updated on March 5, 2026. There’s a common misconception that estate planning is purely a future-focused exercise. In practice, the right approach can improve tax-efficiency today. The estate bond strategy can do exactly that—surplus capital moves into an exempt permanent life insurance policy, where it grows with less tax […]