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Long-term security

Protect the wealth you already built

Your income stops. Their bills don't. A company, a corporation, and an estate have bills too.

Tax-efficient coverage can be built for personal, corporate, and estate goals. Permanent insurance is how that money stays with the people and the company you named. This is general information, not a quote and not tax advice.

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Advisor licensed through Greatway Financial

Three jobs

What this coverage is for

Term coverage replaces a paycheque for a set number of years. This page is the next job: wealth that should survive you, a company that should survive an owner, and partners who should not inherit a fight.

Permanent Life Insurance

It lasts as long as you keep it in force. The death benefit is there whenever you die, not only during a 10- or 20-year term. Part of the premium can build cash value inside the policy. Families use it for final expenses, an inheritance, and money that should still be there late in life.

Corporate-Owned Life Insurance

The corporation owns the policy and pays the premium. If an owner dies, that benefit can fund a buyout, replace what that person contributed, or be paid out to shareholders. In many cases it can move through the capital dividend account, so shareholders receive it more tax-efficiently. That depends on the corporation, the policy, and the rules at the time.

Key-Person & Shareholder Protection

If a founder, rainmaker, or shareholder dies, payroll, loans, and clients are still there. Key-person coverage replaces that loss for the company. Insurance behind a shareholder agreement lets the surviving owners buy the shares, instead of ending up in business with the estate.

Personal, corporate, estate

It fits when the money has a job after you

A death benefit is generally tax-free. Inside a corporation, the way that money reaches shareholders can be more tax-efficient than selling the business in a hurry. Age, health, ownership, and the agreement change what is possible. An advisor licensed through Greatway Financial reads your situation and writes the coverage with you.

  • Your name is on the company loans, and the bank will still want them.
  • You have a business partner and no funded way to buy each other out.
  • You want children or a cause to receive money without a rushed sale of the company or the house.
  • You already have term for the mortgage years, and you want coverage that does not expire.

If there is no plan

The company does not pause because you are gone

The family can inherit a business they cannot run. The partners can inherit a dispute. The lender still wants the loans. Leaving that gap open is reckless. Send your name, then book the call.

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