Tax & estate planning
Funding future capital gains tax on corporate shares at the death of the owner.
Services for businesses
If you own a business, the majority of your wealth is likely tied up in it. The right coverage protects the business, your partners, your employees, and your family.
Where we can help
Protects the business, your partners, and your family, and builds cash value you can use while you’re still running it.
Read moreReimburses business expenses, funds a buy-sell agreement, or helps hire a replacement if an owner or key employee is disabled.
Read morePays a lump-sum benefit on diagnosis, so the business keeps running while you focus on treatment and recovery.
Read moreHealth, dental, wellness, and retirement plans that help you attract and keep the people your business depends on.
Read moreBusiness insurance needs
There are many reasons to insure a business. We work with you to identify which of them actually apply to yours.
Planning
Four places business insurance does real work in a plan, beyond the policy itself.
Funding future capital gains tax on corporate shares at the death of the owner.
Funding buy-sell agreements between co-owners to ensure smooth business transitions.
Life and disability insurance for the team members the business genuinely depends on.
Overhead cover during an owner’s disability or critical illness recovery, plus long-term debt retirement coverage.
It can finance a living buyout of shares by a co-owner, or provide supplemental retirement income to the business owner.
Business life insurance
Permanent policies help the business survive the death of an owner or partner, and accumulate cash value that funds future needs.
Builds savings during your lifetime and can supplement retirement income tax-effectively.
Creates gifts for heirs or charities outside the estate, and pays final taxes and settlement costs so estate assets stay intact.
Term insurance offers lower premiums with the option to convert — useful for a mortgage or business loan.
Business disability insurance
As a business owner you want to protect both your independence and your profitability.
We offer several types of disability insurance for business owners. Each plan includes standard features and optional benefits, so the cover can be shaped around how your business actually runs.
Business critical illness insurance
Critical illness insurance supports patients before, during, and after treatment by paying a lump-sum benefit on diagnosis. If you are a business owner or a fee-for-service professional, the funds have several uses.
We can tailor critical illness insurance to your specific business needs.
Group benefits
Your organization is unique. Perhaps it employs thousands, perhaps you can count them on one hand. Whatever the size, we have the tools to identify and meet your needs.
Better people, and lower costs from high turnover.
You and your employees get access to lower cost cover than most individual plans.
Your premium may be deductible as a business expense.
Financial security and support raise morale and productivity.
As Canadians we have one of the best healthcare systems in the world, but it may not provide everything your employees need. An enhanced plan covers the gap.
Plans can also include wellness and disability benefits, life and accidental death and dismemberment cover, international benefit plans, and online services.
Group retirement plans
We offer clients the support of Canada’s largest network of group retirement specialists, delivering service in group retirement and savings plans.
Leading education material and advice, including a retirement guide that suits every style of investor.
A wide range of investment options, with tools that help employers meet their responsibilities.
Service any time through your preferred channel, at competitive prices in all markets.
Current technology with customized features built around how your organization works.
Whatever stage the business is at, first hire or third decade, the risks change faster than most owners have time to track. We track them with you.
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