EXCLUSIVE FOR CANADIAN BUSINESS OWNERS
Business Owners Are Legally Reducing Life InsuranceCosts By 20-30% Whilst Creating Tax-Free Wealth
Discover the sophisticated corporate strategy that lets you pay for life insurance with cheaper corporate dollars instead of expensive personal income, while building a tax-sheltered legacy for your family.
EXCLUSIVE FOR CANADIAN BUSINESS OWNERS
Business Owners Are Legally Reducing Life Insurance Costs By 20-30% Whilst Creating Tax-Free Wealth
Discover the sophisticated corporate strategy that lets you pay for life insurance with cheaper corporate dollars instead of expensive personal income, while building a tax-sheltered legacy for your family.
What we provide
And how does this benefit you
Dramatic Premium Savings
Pay for life insurance with corporate dollars taxed at just 12-15% instead of personal dollars taxed at 50%+. This simple ownership change can reduce your effective insurance cost by 20-30% immediately.
Tax-Free Wealth Building
Build a tax-sheltered investment account that grows without the 50%+ tax drag your corporation normally faces on passive investments. Access these funds tax-efficiently during your lifetime through lending arrangements.
Tax-Free Estate Transfer
Build a tax-sheltered investment account that grows without the 50%+ tax drag your corporation normally faces on passive investments. Access these funds tax-efficiently during your lifetime through lending arrangements.
What we provide
And how does this benefit you
Dramatic Premium Savings
Pay for life insurance with corporate dollars taxed at just 12-15% instead of personal dollars taxed at 50%+. This simple ownership change can reduce your effective insurance cost by 20-30% immediately.
Business Insurance
Build a tax-sheltered investment account that grows without the 50%+ tax drag your corporation normally faces on passive investments. Access these funds tax-efficiently during your lifetime through lending arrangements.
Life Insurance
Use the Capital Dividend Account to transfer insurance proceeds to your family completely tax-free, converting corporate retained earnings into personal wealth without triggering dividend or salary taxes.
Introducing Strategic Corporate-Owned Life Insurance (COLI)
The sophisticated wealth strategy that Canada's most successful entrepreneurs use to slash insurance costs while building tax-free legacies.
Tie Product Into Solution
COLI works by having your corporation own and pay for life insurance policies instead of you personally. This simple structural change unlocks powerful tax advantages that have been hiding in plain sight.
Immediate Cost Reduction
Start saving 20-30% on life insurance costs from day one by leveraging your corporation's lower tax rates.
Tax-Free Growth Engine
Transform your policy into a tax-sheltered investment vehicle that grows without the typical 50%+ corporate tax on passive income.
Mechanism of False Solution
Most business owners think the solution is simply buying more personal life insurance or setting up complex trust structures to minimize taxes.
Simple Argument Against False Solution
But personal insurance requires expensive after-tax dollars, and complex trusts often fail to address the core issue. You're still paying premium prices for coverage while your corporate wealth remains trapped by tax inefficiencies. The real solution is much simpler and more elegant.
Introducing Strategic Corporate-Owned Life Insurance (COLI)
The sophisticated wealth strategy that Canada's most successful entrepreneurs use to slash insurance costs while building tax-free legacies.
Tie Product Into Solution
COLI works by having your corporation own and pay for life insurance policies instead of you personally. This simple structural change unlocks powerful tax advantages that have been hiding in plain sight.
Immediate Cost Reduction
Start saving 20-30% on life insurance costs from day one by leveraging your corporation's lower tax rates.
Tax-Free Growth Engine
Transform your policy into a tax-sheltered investment vehicle that grows without the typical 50%+ corporate tax on passive income.
Mechanism of False Solution
Most business owners think the solution is simply buying more personal life insurance or setting up complex trust structures to minimize taxes.
Simple Argument Against False Solution
But personal insurance requires expensive after-tax dollars, and complex trusts often fail to address the core issue. You're still paying premium prices for coverage while your corporate wealth remains trapped by tax inefficiencies. The real solution is much simpler and more elegant.
The Hidden Tax Trap That's Costing Canadian Business Owners Hundreds of Thousands
Problem Dig In One
Every year, successful business owners across Canada are unknowingly overpaying for life insurance by 20-30%. They're using expensive after-tax personal dollars to pay premiums when they could be using cheaper corporate dollars instead. For a $1 million policy, this mistake can cost $200,000 or more over the life of the policy.
Problem Dig In Two
Even worse, when these business owners die, their families face a devastating tax bill. Without proper planning, corporate retained earnings get trapped inside the company, forcing families to pay punishing dividend taxes of 40-50% just to access their inheritance. Meanwhile, the business may struggle to fund buyouts or succession plans, potentially destroying decades of hard work.
Are You qualified for COLI?
Qualifiers
This strategy works exceptionally well if you:
Own an incorporated business in Canada
Pay yourself through a combination of salary and dividends
Currently pay high marginal tax rates (45%+)
Want to build tax-efficient wealth for your family
Need life insurance for business or personal protection
Disqualifiers
This strategy may not be suitable if you:
Are not incorporated (sole proprietorship or partnership)
Have minimal corporate retained earnings
Plan to sell your business within the next 2-3 years
Need immediate access to cash value
Prefer simple term life insurance with no investment component
Are You qualified for COLI?
Qualifiers
This strategy works exceptionally well if you:
Own an incorporated business in Canada
Pay yourself through a combination of salary and dividends
Currently pay high marginal tax rates (45%+)
Want to build tax-efficient wealth for your family
Need life insurance for business or personal protection
Disqualifiers
This strategy may not be suitable if you:
Are not incorporated (sole proprietorship or partnership)
Have minimal corporate retained earnings
Plan to sell your business within the next 2-3 years
Need immediate access to cash value
Prefer simple term life insurance with no investment component
Derek Hachey
Managing Partner
Before becoming a Life Insurance Advisor, I was declined coverage not once but twice because of a kidney condition that I had since a young age.
I thought no-way would I ever be able to get Life Insurance, but I came to find out that there are Great Life Insurance providers in Canada that would
approve me! I can breathe easier knowing that my family won’t be distracted with financial burdens while they are grieving.
Now the agents that I dealt with just didn’t know about those Life Insurance companies. They only knew the company that they worked for and that was it.
That’s one of the main reasons why I founded Canadian Life Insurance Guides and gained access to most Life Insurance Providers in Canada, so that no one who comes to us would have to go through the same experience that I went through.
The good news here is that we can get you peace of mind at the lowest cost!
1000+
Clients Serviced
$1000's+
Dollars Saved
10+
Years Experience
what our achievements
Before becoming a Life Insurance Advisor, I was declined coverage not once but twice because of a kidney condition that I had since a young age.
I thought no-way would I ever be able to get Life Insurance, but I came to find out that there are Great Life Insurance providers in Canada that would
approve me! I can breathe easier knowing that my family won’t be distracted with financial burdens while they are grieving.
Now the agents that I dealt with just didn’t know about those Life Insurance companies. They only knew the company that they worked for and that was it.
That’s one of the main reasons why I founded Canadian Life Insurance Guides and gained access to most Life Insurance Providers in Canada, so that no one who comes to us would have to go through the same experience that I went through.
The good news here is that we can get you peace of mind at the lowest cost!
1000+
Clients Serviced
$1000+
In Dollars Saved
10+
Years Experience
Frequently Asked Questions
Is COLI legal and CRA-compliant?
Absolutely. Corporate-Owned Life Insurance is a well-established strategy that's been used legally in Canada for decades. All implementations follow CRA guidelines and regulations to ensure full compliance.
What if I already have personal life insurance?
Existing personal policies can often be transferred to corporate ownership, though this requires careful tax planning. We'll analyze your current situation and recommend the most tax-efficient approach.
How quickly can I start saving money?
Once your COLI strategy is implemented (typically 30-45 days), you'll immediately start benefiting from the lower effective premium costs. The tax-free growth benefits compound over time, making this strategy more valuable the longer you maintain it.
Book Your Confidential
COLI consultation
This consultation is complimentary for qualified Canadian business
owners. During this 45-minute session, we'll analyze your
specific situation and show you exactly how much you could save
with a properly implemented COLI strategy.
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Book Your Confidential
COLI consultation
This consultation is complimentary for qualified Canadian business
owners. During this 45-minute session, we'll analyze your
specific situation and show you exactly how much you could save
with a properly implemented COLI strategy.
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Canadian Life Insurance Guides is in Partnership with Eau Claire Partners Inc. Canadian Life Insurance Guides agents are independent advisors that partner with Eau Claire Partners, which provide contracting access to the vast majority of Canadian Insurance Providers.