Business owner protection
Your company, personal income and family responsibilities are connected. Review key person protection, buy-sell funding and corporate insurance needs alongside your accountant and lawyer. Coverage and ownership should reflect the actual obligations of the business.
Guidance from Ramandeep Singh in Brampton, serving Ontario and New Brunswick. Coverage and product availability depend on eligibility and province.
Find your starting point
Protect your earning years, practice commitments and life beyond medicine.
Explore your priorities →Independent professionalsConnect your personal income, business expenses and long-term goals.
Explore your priorities →Company & family business ownersPrepare for ownership changes, key-person risks and your family’s future.
Explore your priorities →Where planning can help
The right question is not simply how much insurance a company can buy. It is what financial damage would follow the death, disability or critical illness of an owner or key employee.
A buy-sell agreement, shareholder agreement or succession plan may describe what should happen, but the funding must also be considered. Insurance can be one potential source of liquidity, subject to legal, tax and suitability review.
Corporate ownership, beneficiary designations and tax outcomes require input from the company's accountant and lawyer. Insurance recommendations should be coordinated with those professionals and supported by current corporate documents.
Common questions
Start with the people and obligations the business depends on: the owner's income, key employees, debt, overhead and any shareholder buyout. Life, disability and critical illness insurance serve different purposes. Ramandeep helps connect the coverage discussion with your accountant and lawyer.
No. An agreement sets out the parties' obligations; a separate funding plan addresses how the purchase would be paid for. Review the agreement, valuation, ownership of any policies and the events that trigger payment together.
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