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Protect it.
Protect yourself & your partners.
Provide benefits for your employees.
The business you've built
is Valuable
What Is Your Primary
Insurance Need?
Building your business has taken hard work, diligence, and perseverance.
Ensure that it has a solid foundation & can weather the unpredictable circumstances of life.
From individually & corporately-owned insurance policies
to group benefits, we have you covered.
We provide tools to help you achieve your goals & make sure NOTHING gets left to chance.
You can have peace of mind knowing that your business & your partners are taken care of.
Corporate Insurance
BUY / SELL
Insurance
If an owner, partner or shareholder in your business passes away or becomes disabled, does your company’s Buy/Sell agreement require that the other owners or partners in the company purchase the sick, disabled or deceased parties shares? Not all business owners are financially capable of buying out their partner(s) or fellow owner(s) in such an event.
Buy Sell Insurance is one of the simplest & cheapest ways to make this possible. By purchasing a Life, Critical Illness or Disability policy for each partner/co-owner in the company, funds become readily available for such a need while keeping operating capital available and avoiding having to take out an expensive loan.
How will you fund a buyout?
KEY PERSON
Insurance
Do you have an employee whose knowledge, skills or talent would be difficult to replicate? If this important employee suddenly died or became disabled, how would you continue to operate? Would you suffer short or long-term losses? Or, would you have to shut down your business completely?
If so, Key Person Insurance could be a vital part of the survival of your business - especially for small businesses. Key Person Insurance provides your business with the funds to keep operating, find & train a replacement, and even compensate for lost income if a key employee becomes disabled or dies.
Does your business have a key employee?
Somebody whose loss would be detrimental?
CORPORATE
Policies
We also provide additional tax-efficient options for business owners using corporately-owned Life and Critical Illness policies.
A corporation may own a policy for a variety of reasons: business loan protection, funding capital gains tax at death, covering off the tax bill associated with transferring a business to the next generation, wealth creation, etc.
A permanent insurance policy provides tax-advantaged growth, guaranteed cash-values and premiums for the life of the policy, funded personally or through the business.
Do you have tax-concerns?
For Owners
For VIPs
For Tax
You have valuable employees who are helping to build your business.
Take care of what's most important to them:
Benefits & Saving for Retirement.
Group Benefit Packages
Why Group Benefits?
Quality employees are on the lookout for quality benefit plans. Without benefits, employees must cover these needs with their after-tax income. Become a competitive employer when you provide comprehensive benefit packages to your employees.
We offer access to Group Benefit Specialists who can find just the right fit for you, combining elements of coverage that work with the needs of your employees AND the needs of your budget.
