Risk Management


A well-thought-out risk management plan can prepare you for the unexpected, minimizing risks and extra costs before they happen. By considering potential risks or events before they happen and having a risk management plan in place, you can save your family money and unnecessary headaches.   Your personal risk management strategy can have a major impact on your family’s financial bottom line. Gaps in coverage or inadequate protection could cost them financially. That’s why we focus on value, creating peace of mind, and getting the most for your insurance dollar.  We understand the risks you face today and uncover the emerging risks of tomorrow. You’ll get clarity and peace of mind from the people, processes, and programs we use to proactively identify, quantify, and manage risk.   If you are incorporated, there are some additional and significant advantages for having your business own and pay for certain coverages.   The first step is to assess what is currently in place (from all sources) and understand what you are trying to achieve.  
Your NeedHow we can help
I want to protect my incomeLife, disability and critical illness insurance can help protect you and your family from the financial impact of unexpected events — an early death, becoming disabled, taking time to recover from a critical illness and living longer than expected. These coverages help to ensure you and your family’s standard of living can be maintained.
I want to minimize taxesSheltering some of your assets (personal or corporate) inside a life insurance policy could help reduce your annual tax burden, minimize estate taxes, and create a tax-advantaged income stream in retirement.
I want to maximize my estateLife insurance policies can help reduce the taxes that would otherwise be payable in the future. Your policies can also provide funds to pay for your taxes at death so that more of your assets can pass to your loved ones.
I want to maximize my wealthMaximizing wealth is a balancing act between growth, risk and protection. Including insurance as part of your overall wealth portfolio can lower your overall risk and lock in returns as they occur, allowing you to take a more aggressive investment approach with other assets.
I want to leave a legacyYou may want to transfer assets to your children or grandchildren or support a meaningful charity or organization. Insurance strategies can play a key role in your overall estate planning to provide a tax-efficient way of reaching these goals.


Every successful business owner represents the hub of a wheel connected to many spokes – your spouse, children, business, partners, employees, suppliers, lenders and the CRA. No business plan is complete without a shareholder or partnership agreement containing buy/sell provisions that allow for the orderly transfer of ownership interests upon retirement, disability, death or disagreement. Business advisors generally agree that life insurance is the most efficient means of providing buy/sell funding on the death of a shareholder or partner. The question that must be answered is whether it is more tax-efficient for it to be corporate or partnership-owned rather than personally-owned insurance.

Your coverage needs will be unique to your circumstances. Let’s discuss your situation, determine your goals and find the solution right for you. We prepare for the worst scenario so that you can expect the best outcome.