Life, Critical Illness and Disability Insurance
As a small business owner, you are the most important asset. Should something happen to you, there are a lot of people who could be impacted. The right insurance coverage can offer the comprehensive protection you need by providing funds to cover business overhead, lost income and medical expenses.

Business Loan Protection Insurance
Ensure that your outstanding business loans are paid off or that payments are maintained in the event of your death, critical illness or disability. It can also help ease financial strain caused by losing a key employee or partner.

Buy-Sell Agreement Funding
If you’re in business with someone else, it’s important to think about what you would do in the event of your partner’s death, disability or departure from the company. Having a Buy-Sell funding strategy in place will ensure you and other shareholders are protected, your business continues to operate and the surviving spouse or heirs are taken care of.

Key Person Insurance
Key person insurance protects your business in the event that important expertise or knowledge is lost through the death or disability of the people most important to your operation. If one of these ‘key’ people dies, your business receives a tax-free death benefit that you can use to meet expenses or repay debts. You can also use it to offset any drop in revenue that may occur while your business goes through a period of transition or to cover the cost of replacing the lost skills.

Employee Group Benefits
Attracting and keeping good people is fundamental to your business. One way to do this is to offer group benefits. Our group employee benefits packages:

• offer cost-effective coverage for medical and dental bills
• are a tax-deductible business expense to you
• give your employees a tax-effective form of compensation
• offer protection for you, your employees and their families
• can address the unique medical needs of some employees
• can be customized to suit the unique needs of your business

Have questions or need more information?
Chat with us, e-mail us or give us a call about insurance for your business today and learn more about personal insurance here.