Articles tagged "Life Insurance"
16 articles covering life insurance for incorporated business owners.
English
Business Loan Insurance Case Study
Case study: independent approach secured better rates for corporate loan insurance, protected $5M financing. Quebec & Ontario. Illustrative. Request insurance review.
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.
Partner Buy-Sell Agreement Case Study
Case study: two partners, buy-sell funded by life insurance, $10M+ protected. Knowledge-based company valuation. 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.
Key Person Insurance Canada
Key person insurance provides your business with immediate cash when a critical employee or owner dies. How to determine coverage, tax treatment, and why it matters for small corporations in Canada.
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.
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.
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.
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.
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.
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.
Self-Insuring a Buy-Sell Agreement: What the Numbers Require
What it takes to self-insure a buy-sell obligation. Net-of-tax target, moving target math, and why the timeline is longer than it looks. Quebec & Ontario. Illustrative.
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.