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Corporate Insurance

Corporate-Owned or Personally-Owned Life Insurance? The difference goes far beyond who pays the premium—it’s about long-term tax efficiency, access to the Capital Dividend Account (CDA), and smart estate planning. While corporate-paid premiums cost less due to lower tax rates, only personally-paid policies guarantee a tax-free death benefit to beneficiaries. But that’s not the whole picture.

What about Holding Companies, Trusts, or leveraging Life Insurance as collateral for a corporate loan? What’s the CRA’s stance on CDA credits?

If you’re a shareholder in a private corporation, understanding how Life Insurance interacts with your CDA is essential. We’ll help you structure it right.

Book a free consultation today. Speak with an expert and contact us at 905-850-5267 for a free quote.

What We Offer

Dental

Protect your team’s health and confidence with affordable, reliable dental coverage they’ll actually use.

Life Insurance

Give your team peace of mind with life insurance that protects what matters most—their families.

Health & Wellness

Support your team’s total well-being with coverage that promotes physical, mental, and emotional health.

Vision & Prescription

Keep your team sharp and focused with coverage for eye care and essential medications and treatments.

Strategic Benefits

Boosting Business With Benefits

Our Goal

To ensure your customized benefits plan meets your needs.

Custom Benefits

Custom plans so sharp, they cut costs without cutting care.

Easy Implementation

Set it and forget it—smooth benefits, zero headaches.

Employee Loyalty

The best talent stays where the best benefits are—make it yours.

Services

group benefits
Group Benefits

Protect your team with top-tier health, dental & disability coverage. Boost morale & retention today!

corporate insurance
Corporate Insurance

Protect your team with top-tier health, dental & disability coverage. Boost morale & retention today!

Group RSPs

Help employees save for tomorrow with Group RSPs. Boost financial wellness & loyalty. Book a call today!

Retiree Benefits

Retirement shouldn’t mean losing benefits. Custom retiree health plans for peace of mind. Get free quote!

Customers Reviews

Why Clients Choose Us

Their innovative approach and insightful recommendations helped us streamline operations and boost profitability within just a few months.

Sarah Green

Sarah Green

PR Manager

The consulting team’s expertise transformed our strategy, driving growth and efficiency across all departments in record time.

Sam Smith

Sam Smith

Sales Manager

Thanks to their guidance, our business achieved measurable results, with improved processes and stronger financial performance.

Nick Carter

Nick Carter

Business Coach
Questions & Answers

FAQs

The most popular benefits include: Health and dental insurance (prescription drugs, vision care, paramedical services); Life and disability insurance (short-term/long-term disability, critical illness coverage); Retirement savings plans (Group RRSPs, pension matching); Wellness programs (mental health support, gym memberships, employee assistance programs).
Costs vary based on coverage levels, group size, and provider. On average, small businesses spend $1,500–$4,000 per employee annually. Customizable plans allow you to control costs while meeting employee needs.
Yes! Employer-paid premiums are tax-deductible as business expenses. Employees also enjoy tax-free health benefits (up to certain limits), and contributions to retirement plans may be tax-deferred.
Yes! Studies show that 80% of employees value benefits over a pay raise. Competitive packages reduce turnover, attract talent, and boost morale—key for small businesses competing with larger firms.

Absolutely. Many providers offer scalable group plans tailored for small teams. Pooled plans (where multiple small businesses join together) can also reduce costs while maintaining quality coverage.

Benefits For Small Business