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    When properly structured, life insurance creates significant living benefits for a business owner and their family.
    Few products act as both a tax exempt wealth transfer vehicle and an asset class in Canada. Life insurance also provides a prompt source of liquidity protecting both your family and the business in a worst case scenario.
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    Succession often poses a serious challenge for most business owners as different family members often have different wants and needs.
    There is usually agreement that the company produces the wealth. Life insurance provides a prompt source of tax-free cash when it is needed most. This buys the family the time to make the tough decisions.
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    Tax planning provides significant opportunities for both the company and the family.
    Efficient tax planning provides more operating capital for the company as well as consumption capital for you and your family. It is important that a business owner understands the benefits of tax-exempt life insurance from a tax planning perspective.
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  • You need Flash player 8+ and JavaScript enabled to view this video.
    Estate planning is essential for any business owner where there are complex challenges and significant assets.
    Effective estate planning makes both the business and the family more tax efficient. Life insurance addresses many complex estate issues and allows for the efficient transfer of wealth from the company and its shareholders to the family.
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  • You need Flash player 8+ and JavaScript enabled to view this video.
    Multiple shareholders of a company often have a shareholders agreement. The critical consideration is not how shares will be purchased, but how the share purchase is funded. Even if surviving shareholders or the company has the cash on hand - life insurance is the most efficient funding mechanism due to the tax advantages.

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Credibility Habits

Show up on time.

Do what you say you’re going to do.

Finish what you start.

Treat people with respect.

  • Raymond Matt, CFP, CLU, TEP, CHS, President and Founder
    Raymond Matt, CFP, CLU, TEP, CHS
    President & Founder
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    Raymond Matt, CFP, CLU, TEP, CHS, President and Founder
  • Aaron Ledlie, Vice-President & Partner
    Aaron Ledlie, Esq.
    Vice-President & Partner
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    Aaron Ledlie, Vice-President & Partner

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Industry Articles

September & October 2017 CLU Comment

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 305 for September & October 2017. This edition of Comment looks at three issues: can a corporate-owned life insurance policy be paid as a dividend in-kind, … read more

July & August 2017 CLU Comment

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 304 for July & August 2017. This edition of Comment looks at two issues: charitable giving of corporate-owned life insurance, and joint tenancy in the … read more

May & June 2017 CLU Comment

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 303 for May & June 2017. This edition of Comment looks at four issues: prescribed interest rates, charitable donations, the changing face of Canada’s labour market, … read more

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Blog Entries

Half of U.S. adults have high blood pressure according to new guidelines

  “New guidelines lower the threshold for high blood pressure, adding 30 million Americans to those who have the condition, which now plagues nearly half of U.S. adults,” wrote Marilyn Marchione for The Associated Press, posted by The Globe and … read more

Canadian property market still hot

  “It isn’t just Canadians waiting to see tomorrow’s latest real estate numbers,” wrote Don Pittis for CBC News on November 14, 2017/ Pittis continued, “On Wednesday when the Canadian Real Estate Association releases the latest sales statistics and prices … read more

Complaints about CRA freezing and emptying accounts with no notice

  “Canada’s Taxpayers’ Ombudsman is investigating what seems to be a problem with the federal tax agency freezing and emptying accounts without warning,” wrote Sarah Smellie for CBC News on November 8, 2017. Smellie continued, “It’s a problem that shut … read more

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