Protection designed around the life you’ve built.
Whole life, term, universal life and disability coverage for professionals, business owners and families. Every option is explained plainly and structured precisely.
In 20 minutes you will see whether the coverage you already have still fits the life you have now.
Let’s find the right coverage, together.
Six ways to protect what matters
Your corporation’s surplus cash has a tax problem
Money left sitting inside a corporation is taxed at the top rate from the first dollar, with none of the graduated brackets that apply to you personally, and beyond a threshold it begins eroding the small business deduction on your active income. A corporately owned policy is one of the few shelters where that surplus can keep compounding. Most owners have never had it explained to them.
Find out what this is costing youWhole life
Permanent coverage that builds guaranteed cash value you can actually access. The part most people miss is that it stops being a premium and becomes an asset.
Learn more →Term life
The most coverage for the least cost, sized to the years that actually carry risk: the mortgage, the children at home, the business loan.
Learn more →Universal life
Permanent coverage with investment choice, for people who would rather have control over how the growth is handled than be handed a default.
Learn more →Disability
Your income pays for everything else you own. Most people insure the house and the car long before they insure the thing that pays for both.
Learn more →Critical illness
A lump sum on diagnosis, to use however you need it. Some versions refund every premium you paid if you never claim, which surprises most people.
Learn more →Not sure where to start?
Almost nobody arrives knowing which product they need. Start with the situation instead, and the answer usually becomes obvious.
Book a call →Where owners most often leave money on the table
Four planning conversations that come up again and again with incorporated clients. Most owners have never been walked through a single one of them.
Premiums that do not sit idle
There is a structure where the corporation funds a permanent policy and then borrows against its accumulating value, so the same dollars stand behind both the coverage and the business. It hinges on lending terms and your balance sheet, which is exactly why it is worth checking rather than assuming it is out of reach.
The account most shareholders have never heard of
A corporation that receives a life insurance benefit can often credit much of it to a notional account that allows the money to reach shareholders without tax. Few owners know it exists until somebody maps it out on paper for them.
Locking in today’s value before it grows
Freezing share value pins the eventual tax exposure to today’s number and lets future growth accrue to the next generation. Insurance is what settles the bill when it finally arrives, so the company itself does not have to be sold to pay it.
The agreement nobody funds until it is too late
Plenty of shareholder agreements spell out what happens when an owner dies. Far fewer say where the money is supposed to come from. Funding it means the surviving owner can act on the agreement rather than renegotiate it with a grieving family.
These strategies depend on your corporate structure and personal situation, and involve tax and legal considerations. Tax treatment is subject to change. They are implemented together with your accountant and lawyer, and nothing here is financial, tax or legal advice. The first step is a conversation to see what applies to you.
Simple, transparent, unhurried
A conversation, not a pitch
A 20-minute call to understand your situation, covering family, business, income and goals. You will leave with clarity even if we never speak again.
A plan in plain language
Options are compared across insurers, side by side. You will see what each costs, what it does, and what I would choose in your position, with the reasoning.
Reviewed as life changes
Coverage is revisited at every milestone, from a new home or child to incorporation or the sale of a business, so it always fits.
Advice you can actually understand
I am Sumreet Dhaliwal, a Toronto-based advisor helping Canadians grow their financial literacy and protect what they have worked for. Insurance is full of jargon and pressure. My job is to remove both, so you can make a confident decision on your own terms.
The first conversation costs nothing.
Tell me a little about your situation and I will tell you plainly where the gaps are. If there are none, I will tell you that too.