Insurance
Insurance
Solutions
Comprehensive insurance strategies designed for incorporated entrepreneurs and business owners seeking tax-efficient protection and wealth accumulation.
Participating Life Insurance
for Entrepreneurs
Transform your corporation into a tax-efficient wealth accumulation vehicle
Do you own an incorporated business with retained earnings? Participating life insurance allows your corporation to access liquidity without personal taxation—while protecting and enhancing your wealth.
Key Benefits
- Tax-advantaged accumulation
- Access to liquidity without personal taxation
- Optimized wealth transfer through the Capital Dividend Account (CDA)
- Ideal structure when held through a management or holding company
Who Is It For
Incorporated businesses with retained earnings of $40,000 or more
Min. Investment
Starting at $12,000 per year
Time Horizon
8 to 25 years
Shared Ownership Critical Illness Insurance
Protect yourself against the unexpected while optimizing your tax structure
Corporate critical illness insurance provides financial protection in the event of a serious illness diagnosis, while offering flexible use of funds tailored to your planning needs.
- Financial protection in the event of a critical illness diagnosis
- Lump-sum benefit paid to the corporation
- Can be structured with a return-of-premium feature
- Tax-efficient return of premiums to the individual if no claim is made
For: Incorporated entrepreneurs and professionals who want protection without compromising their financial planning
Group Insurance & Health Spending Accounts
Protect your employees and optimize your benefits plan
In partnership with AGA and MRa we offer group insurance solutions tailored to your unique needs. Comprehensive coverage designed to attract, support, and retain top talent.
Tailored For
Protect What You've Built
Schedule a complimentary discovery call to explore how our insurance solutions can safeguard your wealth.