Corporate Life Insurance
Secure Your Business. Protect Your Legacy
We specialize in strategic financial planning for business owners, helping you protect your company’s future while maximizing tax benefits. Whether you're looking to secure a corporate life insurance plan, plan for retirement, or implement a buy-sell agreement, our expertise ensures you make the most financially sound decisions.
A Smart Business Strategy
Life insurance isn’t just about personal protection—it’s a powerful financial tool for businesses. With the right strategy, you can:
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Grow your investments tax-deferred​
​A corporate-owned life insurance policy allows your business to accumulate tax-deferred growth, maximizing your investment potential over time. Unlike traditional taxable investments, this approach enhances wealth accumulation while minimizing tax liabilities.
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Access funds throughout your lifetime
Your policy’s cash value can be accessed during your lifetime, providing a source of liquidity for business opportunities, personal financial needs, or retirement planning. This financial flexibility helps strengthen your long-term wealth strategy.​
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Tax-Free Death Benefit for Your Loved Ones​​​
In the event of your passing, the remaining policy balance is paid out tax-free to your chosen beneficiaries, ensuring that your family or estate receives financial security without added tax burdens.
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Tax-Free Capital Dividends
​If your policy results in a positive balance in your corporation’s Capital Dividend Account (CDA), your estate or heirs may receive tax-free dividends. This added benefit helps create a more efficient wealth transfer strategy for business owners.
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Enhancing Retirement Income
​Through our Corporate Retirement Income approach, your business can leverage a life insurance policy to supplement retirement income, providing a financial cushion that extends beyond traditional investment portfolios.
Want to inquire into how corporate life insurance can work for you?
Buy-Sell Life Insurance:
Protecting Your Business & Partnerships
Business partnerships are built on trust and shared goals—but what happens if a partner unexpectedly passes away? Buy-Sell Life Insurance ensures a smooth ownership transition by providing the remaining partners with the funds needed to buy out the deceased owner's share.
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How it works:
Prearranged Transition Plan
Owners agree in advance on succession terms.
Insurance-Funded Buyout
Life insurance ensures surviving partners can purchase shares.
Business Stability
Avoid financial strain and ensure smooth operations.
Fair Compensation
Provides a structured buyout for the deceased owner’s family or estate.
Plan Smart, Secure Your Future
With the right corporate life insurance strategy, it should be stress-free and strategic. Whether you're investing in RRSPs, TFSAs, non-registered accounts, or annuities, we partner with top financial institutions to ensure your money is working for you. We're here to plan with you.
Protect your business
and loved ones
Minimize
tax burdens
Maximize retirement income potential
Ensure a smooth
business transition
Ensure your family and business partners are financially secure in case of unexpected events.
Take advantage of tax-deferred investment growth and tax-free benefits to keep more of your wealth.
Use your policy’s cash value to supplement your retirement and create long-term financial stability.
A well-structured plan helps keep your business running seamlessly if an owner or key stakeholder passes away.