In partnership with Spinoza International, GoBusiness offers a new solution of protection and wealth management that respond to the demands and threats of a changing world.
Evolutio is the solution that allows, in a integrated way, to have:
- Life Insurance, with death coverage and minimum guaranteed income;
- Credit Line or Dedicated Fund, with insurance certificate in collateral;
- Credit Line or Dedicated Fund with a higher value than the premium paid to have the insurance life.
Advantages - Succession
- The beneficiaries are predefined, in a easy way (by contract) and receive their share value in the date of the insured person death;
- Possibility to change the beneficiaries at any time (with a simple intentions letter);
- Beneficiaries relation is protected by the insurer confidentialiy;
- The beneficiaries can be individuals or legal entities;
- The solution (Universal Life+iLife+Top-Up) remains outside the declaration of heirs.
Advantages - Tax Optimisation
- The premium paid by individuals is tax exempt;
- The premium paid by legal entities may be tax exempt, depending on the entity’s jurisdiction;
- The taxation lies exclusively on capital gains related to early redemptions;
- Tax exempt in the succession process;
- iLife + Top-UP (Dedicated Fund/Unit-Linked):
- Horizontal compensation of capital gains;
- Vertical compensation of capital gains;
- Special taxation regime of the insurances redemptions capitalization (28% until the 5th year; 22,4% until the 8th year; 11,2% after the 8th year);
Advantages - Tailor-Made (Flexibility)
- Customised solution with option of using different modules (with credit, with a permanent periodic rent) ajusted to the needs of every client;
- All the jurisdictions: the Universal Life solution is available to investors all around the world;
- The premium payment can be accomplished from a bank account in every country of the world;
- The premium can be paid by individuals or legal entities;
- In the iLife and Top-Up options:
- Automatic credit;
- Free choice of the insurance companies, depositary banks and management entities;
- Competitive financing rate: up to 1%;
- Dedicated Fund leverage up to 50%;
- Permanent periodic rent (monthly, quarterly, annually).
Advantages - Confidenciality and Safety
- It is an internationally recognized solution (legal and safe structure worldwide);
- There exists insurer confidentiality (Universal Life) – investors identity protection;
- The professionalism and stability of Canada is recognized;
- Canada as a country is one of the most:
- Stable (political and legislatively);
- Financially secure (rating: AAA, stable);
- Developed in the world (3rd place in the Human Development Index).
- The insurance company has an AA rating;
- Death coverage + Minimum rate guaranteed: 2,5% per year;
- Early redemption guaranteed;
- Option (iLife + Top-Up + Premium Insurance): European insurance company and depositary bank, off-balance assets in the insurance company and the bank.