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, temporary or permanent life insurance could be useful to:

• finance a shareholders' agreement in case of death or disability;
• provide for the capital gain taxes and depreciation recapture
  on the first or second death;
• accumulate funds in addition to a retirement plan;
• supply for the replacement cost of a key person or repay debts.

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

If your company's buy sell agreement requires the surviving owners or partners to purchase the deceased's interests, you can use life insurance—rather than personal funds or business assets—to fund the buy sell agreement.

If an insured key employee were to die, key person life insurance would provide a tax-free cash payment that your business could use as working capital and to help manage issues related to the person's death

Get a Disability Insurance policy on the life of each co-owner or business partner to ensure that you have the funds to purchase the interests and/or shares of a partner who becomes permanently disabled.

Disability insurance which provides the financial resources for business continuity if a key person becomes disabled either temporarily or permanently.

This Disability Insurance plan reimburses eligible business expenses if you are totally disabled due to injury or sickness.

Based on your goals, we are able to assess your needs and create an individual insurance program to support you in your efforts to attract and retain top employees and executives within the company.

For a group of at least ten individual, you can get Life, Disability, Critical Illness and Long-Term Care Insurance at a guaranteed standard rate with no health exams (conditions apply).

Recommendations and financial tools tailored to your business