Protect the Business You Built
Key person, buy-sell, debt protection, corporate-owned life, and succession planning for incorporated Canadian businesses.
When the unexpected hits a small business, it hits hard
In a company, every key person matters. The death, disability, or departure of an owner, partner, or top producer can threaten revenue, banking relationships, and ownership itself — overnight. These five tools put a funded plan in place before it's needed:
1 · Key person insurance
The business owns coverage on the people it can't lose — sales leaders, technical experts, founding owners. A tax-free payout buys time to recruit, restructure, or reassure lenders.
2 · Buy-sell agreements
A funded partner-buyout plan. If an owner dies or leaves, insurance dollars execute the buyout on terms you agreed to in advance — no fire-sale, no frozen-out families.
3 · Loan & debt protection
Business loans, shareholder loans, and credit lines get paid down by insurance proceeds instead of by a grieving family or scrambling partners.
4 · Corporate-owned life insurance
The corporation owns and pays the policy; proceeds can flow through the capital dividend account — an efficient way to move corporate wealth to the next generation.
5 · Succession & estate planning
Who takes over, when, and how it's funded — coordinated with your accountant and lawyer so the transition doesn't undo the business.
Which ones does your business actually need?
- Two or more owners? Start with a funded buy-sell agreement — it's the one most firms postpone until it's too late.
- Revenue concentrated in one or two people? Key person coverage sized to the real cost of replacing them.
- Debt on the books? Match protection to the balance so the plan repays the bank, not your family.
- Thinking about the next 10 years? Corporate-owned life plus a succession plan turns today's profits into tomorrow's transition.
How we work
Our brokers are both accountants and independent brokers — so recommendations start with the numbers (share structure, loans, tax exposure) and end with coverage from the carrier that actually fits. Applications for small-business coverage are routed through licensed carriers, matched to your firm's size, province, and occupation class.
Put a plan in place before it’s needed
Bring your partner structure, your loan balances, and your "what ifs" — we'll map the protection.
Book a free 20-minute consultationInsurance and succession strategies involve tax and legal considerations; we work alongside your existing accountant and lawyer. Product availability and features vary by carrier and province. This page is general information, not advice; all coverage is subject to carrier underwriting.
