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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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Industry Articles

January & February 2018 CLU Comment

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 307 for January & February 2018. This edition of Comment looks at three issues: Preparing for Tax Season, Clearance Certificates for an Estate, and Government Pension … read more

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

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Blog Entries

Average Canadian house price falls 10% in past year

  “The average price of a Canadian home sold last month was just over $491,000, a 10 per cent drop in the past year,” wrote Pete Evans for CBC News on April 13, 2018. Evans continued, “The Canadian Real Estate … read more

Scientists say more than half your body isn’t human

  “More than half of your body is not human, say scientists. Human cells make up only 43% of the body’s total cell count. The rest are microscopic colonists,” wrote James Gallagher, Presenter, The Second Genome, BBC Radio 4 for … read more

Lawyer says CRA owes clients an apology

  “The lawyer for a Nanaimo, B.C., couple who won a groundbreaking award for damages because of malicious prosecution by the Canada Revenue Agency says the minister of national revenue owes his clients an apology,” wrote Jason Proctor for CBC News … read more

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