Business Protection
When Corporate Universal Life Fits
Corporate ownership changes the tax, accounting, control and succession questions around universal life. The policy still needs an insurance job before its cash value is considered.
Canadian money guides
Business Protection in Canada
Plain-English guides to corporate-owned coverage, key-person risk and funding obligations between business owners.
3 launch guides
Start with the big question, then go deeper
Business Protection
What Breaks Without Your Key Person?
Key person coverage protects the business from a human dependency it cannot quickly replace. The amount begins with a continuity map, not a multiple pulled from the internet.
Business Protection
If One Owner Dies, Who Funds the Buyout?
A policy does not create a buy-sell agreement. It provides cash after a covered death; the agreement decides who buys, what is sold, how value is set and when payment is due.