--- title: Budovitch Legacy Planning Insurance Solutions for Professionals and Business Owners description: Budovitch Legacy Planning Professional Advice on Insurance solutions that include Permanent, Whole Life, Universal and Critical Health Programs. --- [![Budovitch Legacy Planning Inc.](https://www.budovitch.ca/hs-fs/hubfs/New_Budovitch_Logo.png?width=252&height=110&name=New_Budovitch_Logo.png "Budovitch Legacy Planning Inc.")](https://www.budovitch.ca) #### [fa icon="phone"]  [1.416.849.1337](tel:1.416.849.1337) ![parting_of_the_sea_hero_460.jpg](https://www.budovitch.ca/hs-fs/hubfs/parting_of_the_sea_hero_460.jpg?width=1920&name=parting_of_the_sea_hero_460.jpg "parting_of_the_sea_hero_460.jpg") # INSURANCE SOLUTIONS ### DESIGN YOUR LEGACY PATH. WITH BUDOVITCH. TODAY. **Your Legacy Plan needs to be protected** ![Providers_quad.jpg](https://www.budovitch.ca/hs-fs/hubfs/Providers_quad.jpg?width=736&name=Providers_quad.jpg "Providers_quad.jpg") LIFE INSURANCE SOLUTIONS No matter your age, health, or current situation, there are multiple insurance solutions available that can positively impact your legacy plan. Should anything happen to you, rest assured that these solutions will help protect your loved ones, your estate, and your business. The challenge, however, is choosing the right option. With so many providers and choices available, the process can be overwhelming, often leaving the insured uncertain about the recommendations they are receiving. At Budovitch Legacy Planning, we provide you with the clarity needed to make the right choices. We give you certainty in the outcome you seek for your legacy plan, and most importantly, we provide you with the comfort and security of being fully in control of your plan. Our commitment is to serve as the custodian of your legacy plan, as part of our Concierge™ Services. --- PERMANENT LIFE The majority of individual life insurance solutions are considered permanent policies. Permanent or cash value-based life insurance policies are designed to provide the policyholder with an accumulation of savings within the policy, using a portion of the premiums paid. Permanent insurance offers significant advantages, with a key benefit being access to cash funds, if required. Learn more about Budovitch **Legacy Planning Permanent Life Insurance** solutions which include: - Guaranteed Interest Rates - Lifetime Coverage - Tax Deferred Cash Value - Creditor Protection - Guaranteed Premiums ![Man_in_phone_looking_out_window_grey_736.jpg](https://www.budovitch.ca/hs-fs/hubfs/Man_in_phone_looking_out_window_grey_736.jpg?width=736&name=Man_in_phone_looking_out_window_grey_736.jpg "Man_in_phone_looking_out_window_grey_736.jpg") --- ![Father_and_Daughter_on_beach_Grey_736.jpg](https://www.budovitch.ca/hs-fs/hubfs/Father_and_Daughter_on_beach_Grey_736.jpg?width=736&name=Father_and_Daughter_on_beach_Grey_736.jpg "Father_and_Daughter_on_beach_Grey_736.jpg") WHOLE LIFE For clients seeking certainty in the valuation of their Legacy Plan, Whole Life insurance applies a premium that remains constant for the entire duration the policy is held. Premium fees change over time according to various factors. Premiums may be higher at the beginning of the policy but can decrease over time as the policyholder ages. Additionally, the amount of premiums paid in the early years can lower future payments and, in some cases, provide an excellent option when needs change at the policyholder's retirement stage.   Contact us to learn more about **Budovitch Legacy Planning Whole Life Insurance** solutions, which include: - Participating Whole Life - Non-Participating Whole Life --- UNIVERSAL LIFE A Universal Life program is a more flexible alternative to Permanent Life insurance. It allows you to make changes to the policy at any time and provides the added benefit of accumulating cash in a tax-deferred manner throughout the life of the policy. This flexibility allows you to increase, decrease, or even skip premium payments. As a policyholder, you are required to maintain premium payments for a pre-defined period. You also have the option to increase or decrease the death benefit as necessary. It is important to understand that the cash value of a Universal Life policy is not guaranteed. A Universal Life policy can be considered an investment option within a portfolio, as the cash value is adjusted according to the performance of the underlying investments. Learn more about **Budovitch Legacy Planning Universal Life Insurance** solutions that include:  - Flexible Premiums - Guaranteed Cash value - Tax-Deferred Growth - Creditor Protection - Tax Free Withdrawal - Flexible Benefits - Death Benefits ![Two_kids_grey_736.jpg](https://www.budovitch.ca/hs-fs/hubfs/Two_kids_grey_736.jpg?width=736&name=Two_kids_grey_736.jpg "Two_kids_grey_736.jpg") --- ![HEALTH_736_BW_News.jpg](https://www.budovitch.ca/hs-fs/hubfs/HEALTH_736_BW_News.jpg?width=736&name=HEALTH_736_BW_News.jpg "HEALTH_736_BW_News.jpg") CRITICAL HEALTH One of the most overlooked forms of insurance is policies specifically designed to support extraordinary needs in the event of a critical health event. Premiums may change over time, depending on a number of factors. Disability coverage, critical illness, health and well-being solutions are all available to replace income, contribute cash flow, or supplement existing provider programs that may not cover additional needs, such as home nursing, personal support, or care for a loved one. Learn more about Budovitch Legacy Planning Critical Health Insurance solutions which include: - Health + Well-Being. - Disability Requirements - Critical Illness --- [![Contact Us](https://no-cache.hubspot.com/cta/default/1006642/a1c0bb24-5806-4f88-b1ae-9ee15e4efd93.png)](https://cta-redirect.hubspot.com/cta/redirect/1006642/a1c0bb24-5806-4f88-b1ae-9ee15e4efd93) # LEARN MORE ABOUT US ![Torch_philosophy_736x736.jpg](https://www.budovitch.ca/hs-fs/hubfs/Torch_philosophy_736x736.jpg?width=736&name=Torch_philosophy_736x736.jpg "Torch_philosophy_736x736.jpg") # START A LEGACY [![DISCOVER MORE](https://no-cache.hubspot.com/cta/default/1006642/abb92e7f-3ef7-4de0-a3f1-e36a942a9337.png)](https://cta-redirect.hubspot.com/cta/redirect/1006642/abb92e7f-3ef7-4de0-a3f1-e36a942a9337) ![Advisory_Team_quad_736x736.jpg](https://www.budovitch.ca/hs-fs/hubfs/Advisory_Team_quad_736x736.jpg?width=736&name=Advisory_Team_quad_736x736.jpg "Advisory_Team_quad_736x736.jpg") # ADVISORY SERVICES [![DISCOVER MORE](https://no-cache.hubspot.com/cta/default/1006642/b927cc7a-c2d0-43f1-825c-8b0f5641bd7b.png)](https://cta-redirect.hubspot.com/cta/redirect/1006642/b927cc7a-c2d0-43f1-825c-8b0f5641bd7b) ![Advisory_OUr_clients_quad_736x736.jpg](https://www.budovitch.ca/hs-fs/hubfs/Advisory_OUr_clients_quad_736x736.jpg?width=736&name=Advisory_OUr_clients_quad_736x736.jpg "Advisory_OUr_clients_quad_736x736.jpg") # WHAT OUR CLIENTS SAY [![DISCOVER MORE](https://no-cache.hubspot.com/cta/default/1006642/1991a08c-dda6-4e41-b6bb-8ff4a8c04e9f.png)](https://cta-redirect.hubspot.com/cta/redirect/1006642/1991a08c-dda6-4e41-b6bb-8ff4a8c04e9f) ![test_small_w270_h270.png](https://www.budovitch.ca/hs-fs/hubfs/test_images/Budovitch_intro_w736_h736.png?width=736&name=Budovitch_intro_w736_h736.png "test_small_w270_h270.png") # CONTACT US [![CONTINUE](https://no-cache.hubspot.com/cta/default/1006642/a4427fa7-37ed-455b-bb5e-e7f9af7bf657.png)](https://cta-redirect.hubspot.com/cta/redirect/1006642/a4427fa7-37ed-455b-bb5e-e7f9af7bf657) #### OUR PROGRAMS #### WHO WE ARE #### PRODUCT PORTFOLIO #### RESOURCES #### POLICIES [fa icon="phone"]  [1.416.849.1337](tel:1.416.849.1337) [fa icon="envelope"] [info@budovitch.ca](mailto:info@budovitch.ca)  [fa icon="home"] 1700 Langstaff Road, Suite 1001, Concord ON L4K 3S3 #### BUDOVITCH LEGACY PLANNING INC. 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