Your corporation (or you) buys a permanent life insurance policy, assigns it to a lender as collateral and borrows money back to reinvest. You get permanent coverage and most of your capital stays working. At death, the death benefit repays the loan and the balance goes to the corporation or beneficiaries.

It's generally not suitable if you're uncomfortable borrowing, your cash flow can't handle rising interest, you can't qualify medically, or you don't have a long-term need for permanent insurance. It's built for insurable, higher-net-worth people and profitable corporations with a long horizon.

It may be. Interest is generally deductible when borrowed money is used to earn business or property income, and part of the policy cost may be deductible as a collateral insurance expense. Both have conditions under the Income Tax Act (Canada). Your accountant should confirm how they apply to you.

A main tool is the Capital Dividend Account. When a corporation receives a life insurance death benefit, the amount above the policy's adjusted cost basis is generally credited to the CDA, and capital dividends from it can generally go to Canadian-resident shareholders tax-free. Timing and structure matter, so we plan it with your accountant.

15 to 30 minutes with Sasha. We cover your business, goals, current setup, existing coverage and what's changing in the next few years. You leave with a clear view of what's worth exploring. No cost, no obligation, no hard sell.

Yes, and we prefer to. Corporate insurance, estate freezes and trusts work best when your accountant and lawyer help design them. We share the numbers and make sure every piece fits your existing structure.

The discovery call is free. When an insurance solution is put in place, advisors are typically paid by the insurance carrier. We explain exactly how compensation works for any recommendation before you commit.

Yes. Sasha is licensed in Alberta and works with owners, professionals and families across the province, from the Calgary office or by phone and video.