Protect the business you built.
Key person cover, buy-sell funding and group benefits, designed and managed with you. We come to you.
What we hear most from business owners
These are the questions people bring to their first meeting. Each one has a practical answer.
If something happened to my partner, could I afford to buy out their share?
My bank wants loan protection. What is fair, and what is overkill?
I want benefits that keep good people, without runaway costs.
My corporation holds a lot of cash. Is there a smarter way to use it?
A partnership that survives the unexpected.
Two partners own a growing trades company. Their shareholder agreement says the survivor buys out the other partner's share, but nobody has the cash.
A buy-sell agreement funded with life insurance changes that. If one partner dies, the policy pays the buyout. The family receives fair value, and the business keeps running.
- The family is paid fairlyAt the value you agreed on, not a fire-sale price.
- The business stays intactNo new partner you didn't choose.
- The bank stays calmLoans are covered, operations continue.
Questions we hear often.
Plain answers. If yours isn't here, ask us directly.
Ask an advisorIt is life or disability coverage owned by your business on someone whose loss would hurt revenue, such as a founder or top salesperson. The benefit helps the business recover, recruit and reassure lenders.
Most often with life insurance on each owner. If an owner dies, the policy provides the cash to buy their share at the agreed price. We coordinate with your lawyer and accountant so the agreement and the coverage match.
Yes. Corporate-owned life insurance can protect the company and, in some cases, support tax-efficient planning. The right structure depends on your situation, so we review it with your accountant.
No. Our advisor is licensed in Alberta, Saskatchewan, Manitoba and Ontario, and we meet you in person or online.
Keep your business protected.
A short conversation, at a time and place that suits you. No pressure, no obligation.