Protecting Your Financial Wellbeing

Business Owners

We are dedicated to supporting business owners by providing customized disability, critical illness, and life insurance solutions.  We understand the importance of protecting your income and future, which is why we specialize in these insurance solutions. Let us help you achieve your financial goals and protect what you have worked hard to build.

BUY/SELL Insurance

A buy-sell agreement is a crucial legal contract that outlines what happens to a business in the event of an owner’s death, disability, retirement, or divorce. It details who can purchase the business interest and how it will be paid for.

By addressing the transfer of ownership and management beforehand, a buy-sell agreement can prevent future disagreements and ensure a smooth transition for the future of the business.

Funding a buy-sell agreement with life insurance is a common strategy for business owners to ensure that funds are available to buy out a deceased partner’s business interest. In this scenario, each business owner purchases a life insurance policy on the other owners, and in the event of the death of one of the owners, the proceeds from the life insurance policy are used to purchase the deceased owner’s share of the business.

KEY PERSON Insurance

A key person is a valuable asset to any company, but their sudden absence due to unforeseen circumstances like death, disability, or illness can severely impact operations and finances. Key person insurance is a vital risk management tool that compensates for financial losses incurred due to the loss of a key employee, covering costs like finding a replacement or loss of revenue. It provides financial stability and ensures business continuity, helping businesses thrive even in unexpected events.

Permanent life insurance

Permanent Life Insurance is like owning a home, equity is built up inside the policy. Premiums are used to pay the ecost of insurance and a portion is used to create a cash value inside the policy that can be borrowed against for business/personal loans or retirement. The premiums are guaranteed not to increase and added features are included inside the policy.



As a business owner, it’s essential to consider the potential impact of a disability on your ability to earn income and operate your business. Disability insurance can provide financial protection in the event that you become unable to work due to an illness or injury. This coverage can help to replace a portion of your lost income, allowing you to continue meeting your financial obligations and maintaining your business operations. There are different types of disability insurance policies available, including short-term and long-term disability insurance, and the coverage can be customized to fit your specific needs and occupation. As a business owner, disability insurance can help to ensure the continuity of your business in the event of a disability, protecting your income and investment.

critical illness insurance

As a business owner, you know that your health is critical to the success of your business. A critical illness insurance policy can provide financial protection in the event that you are diagnosed with a serious illness such as cancer, heart attack, or stroke. This coverage can provide a lump sum payment that can be used to cover medical expenses, as well as other financial obligations such as mortgage payments or business expenses. With critical illness insurance, you can focus on your recovery without worrying about the financial impact of your illness on your business and personal finances. As a business owner, this coverage can help to ensure the continuity of your business operations in the event of a critical illness, protecting your income and investment.


Group benefits are a vital component of any employee compensation package, providing workers with access to essential insurance and wellness benefits that contribute to their financial security, health, and overall well-being. By offering comprehensive group benefits, employers can attract and retain top talent while creating a positive and productive work environment that benefits both employees and the company.

Health SPending Account

Health spending accounts (HSA) are health and dental plans arranged by employers for their employees residing in Canada. It can be a good alternative system or addition to a traditional group benefit plan for both the employer and employees. It has flexible spending options which allows small business owners and sole proprietors to offer a flexible health plan while saving tax. Employees, on the other hand, can pay for expenses not covered by their provincial medicare plans with non-taxable dollars, making use of the taxable benefit. There are no monthly premiums, deductibles or co pays. It is easy to setup and manage. Employees, get a tax-free benefit program while the employer saves money


Travel Insurance

Travel insurance is important because it provides protection against unexpected events that can occur while traveling, such as trip cancellations, medical emergencies, or lost luggage. If you travel frequently, having travel insurance can give you peace of mind knowing that you are protected against unexpected expenses that could otherwise ruin your trip or create a financial burden.