Personal & Business Protection
A margin of safety for your family and your business
Good structures go unnoticed until the moment they carry the load. We plan your personal and business protection together, so each part supports the other.
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Personal Protection
Planning for what would carry the family’s income and daily life, before the unexpected happens.
Wealth Preservation & Life Insurance
If the income that supports the household stopped, what would carry the mortgage, the kids and aging parents? Life insurance puts a contractually defined sum in place for that gap.
Living Benefits
Still here, but unable to work for a while — that needs planning too. Critical illness and disability coverage replace part of the lost income through treatment and recovery.
Family Security
Coverage, savings and debt looked at together, so that after a setback the family has time to regroup instead of making rushed decisions.
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Corporate Solutions
Protecting the business itself, and the wealth it holds.
Key Person Protection
When the few people a business depends on are suddenly absent, revenue, clients and credit all feel it. Key person coverage funds that transition.
Shareholder & Buy-Sell Funding
When a partner exits, becomes disabled or passes away, a buyout needs real money. Insurance funds the agreement so the transition can actually happen.
Tax-Advantaged Corporate Growth
Surplus cash the company doesn’t need can grow on a tax-deferred basis inside an exempt life insurance policy, and the eventual payout may be passed to shareholders tax-free through the capital dividend account (CDA). Confirm the details with your accountant.