Insurance Planning
Insurance That Protects You and Works as Part of Your Wealth Strategy
Book your consultation →From life and disability to critical illness, we help you protect what matters most. But insurance could be more than just your coverage.
In the right structure, it's a strategic tool for long-term, tax-efficient growth.
Book your consultation →Insurance Coordinated With Your Tax, Investing, and Estate Plan
At Longevity Wealth, insurance isn't a product sold once and forgotten. It's structured as part of your coordinated plan, alongside your tax strategy, your investments, and your estate plan, by the same advisor team, built around real financial protection and long-term security, not a transaction.
Business life insurance and other corporate life insurance strategies, when structured correctly, can turn surplus cash into a tax-efficient part of your wealth strategy instead of an idle balance sitting in your corporation.
Who This Insurance Is For
Insurance for Business Owners
Your business is unique, and your coverage should be too! Your corporation's surplus cash, key employees, and buy-sell agreements demand a smart, tailored strategy built specifically around your corporate tax situation to maximize every dollar.
Insurance for Individuals
Your family's protection needs, and the tax-sheltered growth permanent insurance can offer, deserve a strategy built around your actual goals, not a one-size policy.
Your Investment Strategy Should Include Insurance
Permanent life insurance covers you for your life. Alongside a guaranteed payout, a portion of your premium contributions builds a cash reserve that grows tax-sheltered, giving you an extra pool of money to rely on as you get older.
For incorporated business owners, corporate life insurance strategies can take this further, turning surplus corporate cash into tax-sheltered growth as part of a coordinated plan rather than a stand-alone purchase.
This isn't the right fit for every dollar, and exactly how it works depends on your specific structure and which type of permanent coverage fits. Your advisor will walk through whether it makes sense for you, in plain terms, as part of your broader plan.
What Your Insurance Planning Covers
Book your consultation →Life Insurance
It's not just a safety net, it can be a tax-advantaged asset class. We use term life for smart, temporary protection, and leverage permanent options (like whole and participating life) to build tax-sheltered cash value that quietly grows wealth in the background.
Disability Insurance
Income protection built around what you and your business would actually need if you couldn't work.
Critical Illness Insurance
A tax-free lump sum if you’re diagnosed with a covered illness, so you can focus on recovery without drawing on your investments. For business owners, shared-ownership structures can make that coverage more tax-efficient.
Corporate-Owned Life Insurance
A tax-efficient way to invest surplus corporate cash while providing key person and estate liquidity coverage.
Executive Health and Group Benefits
VIP-level care for incorporated professionals, and a powerful retention tool for your team. We coordinate coverage that keeps you and your top people healthy, loyal, and protected.
How It Works: Three Simple Steps
- 01
Tell us what matters most.
A conversation about your protection needs, your corporate structure, and where your current coverage falls short.
- 02
Get a coordinated insurance strategy.
Your advisor structures your coverage alongside your tax, investing, and estate plan, not as a stand-alone purchase.
- 03
Review it as your life or business changes.
Your coverage is reassessed on a regular cadence, not left in place long after your situation has changed.
Why Clients Choose Longevity Wealth for Insurance
Longevity Wealth is built on a simple idea that insurance should work as hard as the rest of your plan. Your coverage is structured alongside your tax strategy, your investments, and your estate plan, by one advisor team, not sold to you as an isolated product.
We work with clients across Canada (excluding Quebec), virtually or in person from our Toronto base.
“Al was fantastic! Super knowledgeable and does a great job of clearly explaining things in a way that is easily understandable. Highly recommend his services to anyone in the real estate industry.”
Insurance FAQ
For certain policies, yes. Participating and other permanent life insurance builds cash value that grows tax-sheltered, and corporate-owned life insurance can shelter surplus corporate cash from passive income rules. It isn't the right fit for every dollar, which is why it's structured as part of your broader plan, not sold as a stand-alone product.
Corporate-owned life insurance is purchased and owned by your corporation, with tax advantages tied to your corporate structure. Personal life insurance is owned by you individually.
Yes, your advisor structures and coordinates your insurance strategy as part of your broader financial plan, placed through licensed insurance channels.
Your coverage depends on your income, your debts, your dependents, and, for business owners, your corporate structure and succession plans. Your advisor will walk through your actual numbers during your discovery call.
For many incorporated business owners, yes, particularly on a shared-ownership basis that splits the cost and benefit between the corporation and the individual. Whether it fits depends on your specific situation.
It's built for incorporated business owners, individuals and families, and incorporated professionals who want their coverage coordinated with the rest of their financial life, not sold to them in isolation.
Book Your 30-Minute Discovery Call
No obligation. No sales pitch. Just a conversation about where your coverage stands today, and whether it's working as hard as the rest of your plan.
Book a consultation →