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Serving Canadian families · Vancouver, BC
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Corporate Strategy
★ Business Wealth Strategy

Use Your Corporation to
Build Tax-Free Wealth

Corporate-Owned Life Insurance (COLI) lets your corporation own a permanent life insurance policy — building tax-sheltered cash value inside the company and transferring wealth to shareholders tax-efficiently.

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Corporation Owns Policy
Your company pays premiums from after-tax corporate dollars.
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Tax-Sheltered Growth
Cash value builds inside the corporation, tax-free.
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Capital Dividend
Death benefit flows through the Capital Dividend Account tax-free.
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Key Person Coverage
Protects the business from the financial loss of a key individual.
Why COLI

The tax-efficient strategy
every incorporated professional needs

Corporate-Owned Life Insurance is one of the most powerful wealth-building strategies for incorporated professionals and business owners. It converts surplus corporate cash into a tax-sheltered asset that transfers wealth to heirs with minimal tax.

Tax-Sheltered
Cash Value Growth
100%
CDA Sheltered Death Benefit
01
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After-Tax Corporate Dollars
Premiums paid from low-tax corporate income — highly efficient.
02
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Tax-Free Accumulation
Cash value grows inside the policy without annual corporate taxation.
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Capital Dividend Account
Death benefit credited to CDA, enabling tax-free shareholder dividends.
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Policy as Collateral
Banks will lend against COLI cash value for business or personal needs.
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Key Person Insurance
Protects the corporation from the loss of a key employee or owner.
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Estate Planning
Efficiently transfers corporate wealth to the next generation.

Transform corporate surplus into lasting family wealth — COLI is your tax-efficient advantage.

Get a Free Quote ↗