OUR EXPERTISE

BUSINESS INSURANCE

Individual insurance is an appropriate financial tool for financial risk management. However, it is important to subscribe to an insurance plan that accounts for your reality and the uncertainties you face.

For example, a personal insurance could be useful to :

• finance a shareholders' agreement in case of death or disability (buy sell agreement)
• provide for the capital gains taxes and depreciation recapture on the first or second death
• accumulate tax free funds in addition to a registered retirement plan
• supply for the replacement cost of a key person or repay debts

Taxation treatment for an individual insurance product is specific in a business context. We will help you benefit from the advantages related in the ownership of insurance proceeds in regard to the different legal entities used in your business (operating company, holding company, inter vivo trust, partnership, etc.).