Articles tagged "Estate Strategies"
24 articles covering estate strategies for incorporated business owners.
English
Universal Life Insurance for Active Investors Case Study
Case study: IT contractor uses universal life for tax-sheltered corporate investments. Active control. Quebec & Ontario. When UL vs whole life. Illustrative.
Corporate Estate Whole Life Insurance Case Study
Case study: participating whole life for corporate wealth transfer. Comparable growth, lower volatility, tax efficiency. Quebec & Ontario. Illustrative. Request review.
Buy-Sell Agreement Funding with Life Insurance in Canada
How corporate-owned life insurance funds a buy-sell agreement when a partner dies. Redemption, criss-cross, promissory note methods compared. Quebec & Ontario.
Personal vs Corporate Life Insurance
Corporate-owned life insurance uses lower-taxed corporate dollars for premiums and transfers the death benefit tax-free through the CDA. When corporate ownership wins and when personal makes more sense.
$3 Million in Your Corporation: Universal Life vs Taxable Portfolio
A 47-year-old business owner deposits $3M over 10 years. Two paths: taxable portfolio vs universal life. Different outcomes for the family. Quebec & Ontario. Illustrative.
$3 Million in Your Corporation: How Much Reaches Your Family?
A 47-year-old business owner deposits $3M over 10 years. Two paths: taxable portfolio vs participating whole life. Very different outcomes for the family. Quebec & Ontario. Illustrative.
Participating Whole Life Insurance Canada
Participating whole life grows tax-exempt inside your corporation and transfers value through the CDA. How the participating account works, what drives dividends, and why owners use it as an asset class.
Universal Life Insurance for Business Owners in Canada
Universal life explained for incorporated business owners. How it works, costs, risks, and when it makes sense as a corporate tax shelter. Quebec & Ontario.
Capital Dividend Account (CDA) Explained for Canadian CCPCs
Every $1 of life insurance death benefit above policy ACB creates $1 of CDA, paid to shareholders tax-free. See the calculation for your numbers.
Estate Freeze for Business Owners: How It Works
An estate freeze locks your current share value for tax purposes and passes all future growth to the next generation. How the mechanics work, when to do it, and what it costs.
HoldCo vs OpCo Structure for Canadian Business Owners
A HoldCo holds investments; an OpCo runs the business. Separating them protects surplus, defers tax on passive income, and simplifies succession. Quebec & Ontario.
Corporate Life Insurance for Estate Transfer
Corporate life insurance transfers wealth to your family through the CDA with zero tax. How it compares to leaving investments in the corporation and paying capital gains at death.
Life Insurance as a Corporate Asset Class
Permanent life insurance grows tax-exempt inside your corporation, avoids the passive income grind, and transfers wealth through the CDA tax-free. How to treat it as an asset class in your portfolio.
Estate Extraction with Universal Life Insurance | Samuel's Case Study
Case study: $500K corporate surplus could transfer $22M+ tax-free via Corporate Asset Transfer and UL. Quebec & Ontario. Illustrative. Request structure review.
Personal vs Corporate Life Insurance | Key Person Case Study
Case study: personal to corporate life insurance doubled net estate value for family business. Quebec & Ontario. Illustrative. When corporate ownership wins. Request review.
The Compounding Tax Bomb Case Study | Estate Freeze & Purification
Case study: $53-61M tax bill at death. Purification and estate freeze save ~$7M. Quebec/Ontario incorporated owner. Illustrative. Request structure review.
Maximizing Estate Value Case Study | Corporate Life Insurance Strategy
Case study: strategic asset transfer + corporate life insurance. $1.4M lifetime tax savings, $5.7M estate benefit = $7.1M total. Quebec & Ontario. Illustrative.
Paying Pennies on the Dollar for Your Estate Tax
Estate freeze created $300K tax bill? Corporate life insurance funds it 40-60% cheaper than HoldCo dividends. Quebec 2026 rates. Case study. Request review.
Wealth Preservation Through Key Person Life Insurance | Wealth Creation vs Preservation
Case study: UL preserves $1.16M vs Term-15's $500K. Extraction costs exceed 55% tax. Wealth creation vs preservation. Quebec & Ontario. Illustrative. Request review.
From Active Trading to Tax-Free Estate Transfer
Case study: 49-year-old business owner redirects $3M from corporate trading into tax-free estate transfer. Quebec & Ontario. Illustrative.
Whole Life vs Universal Life: Which Fits Your Corporation?
Whole life: insurer-managed, guarantees included. Universal life: you pick the investments. How each works inside a corporation, and which fits which owner.
Corporate Tax Boxes: How CRA Reaches Your Cash
CRA accesses your corporate cash through four channels: salary, dividends, portfolio income, and deemed disposition at death. Which structures protect surplus and which expose it to tax.
Corporate Surplus: What to Do With It
Your corporation has surplus cash. Three options: invest inside the corp, move it to a holding company, or use insurance as a tax-exempt shelter. Here is how each path works and when it fits.
Whole Life vs Universal Life for Business Owners
Whole life: the insurer manages the money and bears the risk. Universal life: you pick the investments and carry the downside. Which fits your corporation depends on your investor profile and goals.