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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

July & August 2018 CLU Comment

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 309 for May & June 2018. This edition of Comment looks at three issues: transferring a life insurance policy, working with the capital dividend account, and … read more

May & June 2018 CLU Comment

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 309 for May & June 2018. This edition of Comment looks at three issues: expanding the CRA’s inventory of data assets, measuring the economic cost of … read more

March & April 2018 CLU Comment

We are pleased to provide you with the latest bimonthly Chartered Life Underwriter (CLU) Comment letter, number 308 for March & April 2018. This edition of Comment looks at two issues: The New TOSI Rules: Complexity And Challenges, and Figure One – Factor … read more

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Blog Entries

Claire Wineland, dies after lung transplant

    “(CNN)Cystic fibrosis did not define Claire Wineland. She did. No matter the obstacles placed in front of her, of which there were many, she refused to be pitied and was determined to live a life that mattered. She … read more

Aretha Franklin died without a will, what that means for heirs

  “Aretha Franklin was so hard-nosed in her business dealings that she demanded to be paid in cash before performing. Her heirs won’t have it so simple,” wrote Andrew Dalton for The Globe and Mail on September 2, 2018. Dalton … read more

OPP focus on mental health

  “Ontario’s provincial police force is overhauling its mental health support system in response to the recent suicides of three officers,” wrote Ashley Burke for CBC News on August 28, 2018. Burke continued, “OPP Commissioner Vince Hawkes is expected to announce details later … read more

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