Valley First

Insurance and Estate Planning

Life insurance can help you create an estate for your loved ones, or preserve the estate you’ve worked a lifetime to build. Our insurance experts can help you select a policy best suited to your needs.

The role of insurance in estate planning

Insurance can help you protect and preserve your hard-earned assets. Many of the insurance options we offer can become an integral part of your estate plan:

  • Immediate assets for the estate: An insurance plan can provide a much-needed cash flow for your loved ones in the event of your passing—especially in times when it’s not prudent to sell off your assets due to factors such as a poor investment return or a weak real estate market.
  • Protect your assets: Insurance can cover off the costs of probate, taxes and capital gains that will affect the value of your estate—your loved ones will receive more of the assets you worked so hard to attain.
  • Estate equalization: Ensure that your estate will be equally divided amongst your children. If you’re leaving a business or property to one of your children, insurance can make certain that other siblings receive the same value, without having to sell businesses or properties.
  • A tax shelter for your investments: Insurance can work similar to a tax-free savings account (TFSA) to shelter your investments from taxes.
  • Long-term care solutions: Canadians have seen an increase in life expectancy. Insurance can help put a plan in place for the long-term care costs of your loved ones.
  • Funds for final expenses: The average cost of a funeral in Canada is $10,000. Insurance can help you plan your funeral and ensure that the cost is not a burden on your family and loved ones.

Make an appointment to get expert estate planning advice at one of our branches. We can provide an integrated financial and insurance solution for your estate.

Talk to us

Whether you’re looking for more information, or you’d like our help in choosing the right insurance solution for your needs, you’ll find our contact information here.


We encourage you to speak with one of our life & disability insurance specialists for more information on how Valley First can make things simple!