Corporate Planning

For incorporated business owners, managing retained earnings can be a challenge. Leaving them idle in a bank account means you’ll pay high taxes on growth. Investing them directly can expose you to risk. That’s why more and more Canadian entrepreneurs are turning to corporate life insurance.

Corporate participating life insurance is not just a safety net — it’s a wealth-building tool. With this strategy, retained earnings grow inside a tax-sheltered policy. Unlike traditional investments, the growth is not subject to annual taxation. Even better, the policy accumulates a cash value that can be accessed through loans or withdrawals whenever the business owner needs funds — for expansion, investments, or retirement.

And when it comes to estate planning, corporate life insurance truly shines. Upon death, the death benefit passes to your heirs tax-free, bypassing costly estate taxes and ensuring your family retains more of your hard-earned wealth.