Metacap Financial

Corporate Life Insurance Leverage Analysis

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Corporation Name

Client Name(s)

Advisor Name

Carrier

Core Assumptions

Province

Loan Interest Rate (%)

Advance Years

Primary Dividend Scale (DSIR %) — Alternate = DSIR − 1%

DSIR Schedule (optional) ⓘ

Deduct NCPI

Deduct Loan Interest

Income Type for Interest Deduction

Custom Marginal Rate (%)

Annual Active Business Income ($)

Annual Passive Investment Income ($)

Computed marginal tax rate on interest deduction: 50.67%

Capital Gains & Tracking Shares

Capital Gains Exposure ($)

Gen 1 Deemed Disposition Year Year Gen 1 dies — ACB resets to FMV, CG restarts at $0

CG Inclusion Rate

50% 66.7%

CG Change Start Year

Asset Growth Projection

Current Net Asset Value ($) Total holdings that will grow over time

Annual Growth Rate (%)

Interest Capitalization

Capitalize Interest

Start at Year

Duration (0 = forever)

Income Drop / Tax Savings Reduction

Income Drop at Year

Income Reduction (%)

External Collateral

Post External Collateral

Collateral Amount ($)

Collateral LTV (%)

Loan also covers interest costs (100% financing)

Run Scenario Analysis

IRR Comparison Age — planning life expectancy

Disclaimer: This tool is for illustrative purposes only and does not constitute financial, legal, tax, or insurance advice. Outputs depend entirely on user inputs and the policy illustration provided. Validate all figures with the issuing carrier and qualified professionals before acting. Metacap Financial accepts no liability for decisions made based on this output.

I have read and acknowledge the above disclaimer.

Include Tracking Shares in PDF

Dividend Scale: Primary (6.35%) Alternate (5.35%) Tables show selected scale. Charts show both.

Strategy Summary - Year by Year Projection

Cash Flow Detail

Tax Deductions & Savings

Liquidation Summary

Net proceeds if the policy is surrendered at key milestones:

Net Results on Death

Tracking Shares Analysis

Asset Growth & Tax Savings Projection

Scenario Comparison

CSV vs. Loan Balance Over Time

Equity Position (CSV - Loan)

Sensitivity / Stress Analysis

Base CSV vs. stressed scenarios (dashed). Div scale stress reduces annual dividend credits only, not full CSV.

Metacap Financial — For professional use only. Not financial advice.