Everything we offer, in one place.

Your corporation owns the policy and pays the premiums with corporate dollars, which are generally taxed at a lower rate than personal income. At death, part of the payout can generally reach your family through the capital dividend account.

For incorporated owners with surplus capital: the company funds a permanent policy and borrows against it, so the capital stays available to the business.

Protects your company if an owner or key employee dies or becomes disabled, giving it cash to cover lost revenue, repay debt or find a replacement.

Insurance that funds the purchase of a partner’s shares if they die, so the surviving owners keep the company and the family is paid fairly.

We plan who takes over your business and how the handover is funded, working alongside your accountant and the lawyer who prepares your shareholder agreement.

Health, dental, life and disability coverage for you and your employees, which helps you attract and keep good people.

Coverage for a set period, such as 10, 20 or 30 years. If you die during that time, your family receives a lump sum, generally tax-free.

Coverage that lasts your whole life and builds cash value over time. Whole life offers guaranteed values, while universal life gives you more flexibility in how you pay and invest.

Coverage you own that can pay off your mortgage if you die, so your family keeps the home. Unlike the bank’s mortgage insurance, you choose who receives the money.

Pays a lump sum if you’re diagnosed with a covered illness, such as cancer, a heart attack or a stroke. You can use the money however you need while you recover.

Replaces part of your income if an illness or injury stops you from working. For business owners and professionals, it protects the income everything else depends on.

Helps pay for care at home or in a facility if you can no longer manage daily activities on your own, protecting your savings and your family.

Covers emergency medical costs and other surprises when you travel outside Ontario or Canada.

We structure your insurance and savings to reduce tax where the rules allow, working alongside your accountant.

At death, your assets are generally treated as sold, which can create a large tax bill. Insurance gives your estate the cash to pay it without selling the business or the cottage.

When one child inherits the business, insurance can provide comparable value to your other children, so everyone is treated fairly.

Leave a meaningful gift to the causes you care about, using insurance or other strategies that can also reduce the tax on your estate.

Permanent life insurance can build cash value that grows tax-deferred inside the policy, as a long-term alternative to some of your taxable investments.

Build cash value in a permanent policy while you work, then use it as collateral for a bank loan to add to your retirement income. The loan is generally repaid from the death benefit, so the plan needs careful design and regular reviews.

Investment funds offered by insurance companies that guarantee part of your deposits at maturity or death. With a named beneficiary, they can pass outside your estate and avoid probate fees.

Turn a lump sum into a guaranteed income for a set period or for life, so you know what you can spend each month.

A permanent life insurance policy on your child or grandchild, paid over a limited number of years. Its cash value can grow tax-deferred into a meaningful asset for their adult life.