How much life insurance do I actually need?

It depends on your debts, income, and dependents. We'll size it with you based on your real needs, rather than sell you a round number.

Term or permanent — which is right for me?

Each fits different goals. We'll explain the trade-offs clearly so you can choose what fits your situation.

I'm self-employed — what happens to my income if I can't work?

Disability coverage replaces income if you can't work; critical illness pays a lump sum on diagnosis of a covered condition. When you work for yourself there's no employer plan behind you, so we'll show you how each works and which fits.

Can my corporation own the policy?

Often yes, and sometimes it's the smarter structure. We'll walk through whether corporate ownership fits your situation.

Life & Disability Insurance for Individuals & Incorporated Professionals — Alberta & BC

Coverage that fits your life and your business — explained in plain language, never over-sold.

For You and Your Family

Term vs. permanent, how much is really enough, protecting your mortgage and your family's income — we'll walk through it together, without the hard sell.

• Protect your mortgage and family income

• Size coverage to your real needs, not a round number

• Understand term vs. permanent, in plain language

Designed for Ownership Teams Who Value Structure

Privately held companies with multiple shareholders
Owner-managed businesses with formal buy–sell agreements
Organizations dependent on key leadership or technical talent
Corporations retaining earnings for long-term growth
Business owners integrating corporate and estate planning

When aligned with shareholder agreements and tax strategy, corporate-owned life insurance reinforces governance, capital structure, and long-term continuity.

For the Self-Employed and Incorporated

When you work for yourself, there's no employer plan behind you. We help self-employed and incorporated professionals protect their income with disability and critical illness coverage, and structure life insurance — personally or through your corporation, where that makes sense.

• Disability income protection

• Critical illness coverage

• Life insurance — personal or corporate-owned

• Structured around your business, not a generic policy

For Your Business (Corporate-Owned)

Corporate-owned life insurance should not be selected in isolation. It must be structured within the broader financial, legal, and tax framework of the business.

Our process is deliberate and coordinated.

It typically includes:

Reviewing shareholder agreements and buy–sell structures
Identifying liquidity needs under multiple scenarios
Assessing corporate debt exposure and lending requirements
Evaluating retained earnings strategy and tax positioning
Coordinating with accountants and legal advisors where appropriate

The objective is clarity — not complexity.

When properly structured, the solution reinforces ownership stability, tax efficiency, and long-term continuity.

Get a No-Pressure Needs Assessment

Life and disability insurance is one of those things most people know they should sort out, and quietly put off.

A focused conversation helps you understand what you actually need — whether that's protecting your family, your income, or your business.

The goal is not product selection.

It's clarity, and a plan you actually understand.

Schedule a strategic discussion