Smarter Coverage for Business Owners
Beyond basic group benefits — discover the tax strategies, continuity tools, and executive planning options that protect your business and accelerate your wealth.
Book a Business ReviewCorporate Tax Advantages
Properly structured insurance and benefit plans can significantly reduce your corporate tax burden. Tap ⓘ for details.
Group Benefits Are Tax-Deductible
Employer-paid premiums for group health, dental, and life plans are a deductible business expense — reducing your taxable income dollar-for-dollar.
Tax-Free Benefits for Employees
Most employer-paid group health and dental benefits are received tax-free by employees — making them more valuable than an equivalent salary increase.
Health Spending Accounts (HSA)
An HSA lets you offer flexible, tax-effective health coverage through a corporate account — ideal for small business owners.
Corporate-Owned Life Insurance
Life insurance owned by your corporation can fund buy-sell agreements, key person coverage, and tax-efficient wealth transfer to your estate.
Added Value for Business Owners
Insurance isn't just a cost — it's a strategic tool. Here's what smart business owners use it for.
Attract & Retain Top Talent
72% of employees cite benefits as a key reason they stay. A strong group plan differentiates you from competitors without equivalent salary increases.
Protect Your Most Valuable Asset
Key Person Insurance ensures your business survives the loss of a critical owner or employee — covering recruiting costs, lost revenue, and loan obligations.
Business Continuity Planning
Buy-Sell agreements funded by life insurance guarantee a smooth ownership transition — protecting partners, families, and the business itself.
Business Overhead Expense
If you become disabled, this policy pays your rent, salaries, and fixed expenses — keeping your business alive while you recover.
Executive Compensation Strategy
Use permanent life insurance as a tax-sheltered executive compensation tool — supplementing retirement income outside an RRSP.
Group RRSP & DPSP Programs
Employer-matched Group RRSPs and Deferred Profit Sharing Plans (DPSPs) build employee loyalty and offer significant tax advantages for both parties.
Is Your Business Fully Protected?
Do you have a buy-sell agreement funded by life insurance?
Are your key employees covered by Key Person insurance?
Is your group benefits plan tax-structured correctly?
Do you have Business Overhead Expense coverage if you're disabled?
Are you using a Health Spending Account for personal medical costs?
Does your plan include an Employee Assistance Program (EAP)?
Have you reviewed your benefits renewal in the last 12 months?
If you answered "no" or "not sure" to any of the above, it's time for a review.
Group Benefits Overview
Health · Dental · Disability · Life
View all corporate coverage options and plan structures available to your business.
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Corporate Benefits Calculator
Get a ballpark estimate of group benefits costs based on your team size and coverage preferences.
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Marie will audit your current coverage, identify gaps, and present a tailored strategy — at no cost or obligation.
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