i.Discipline
Corporate‑owned life insurance
Fund buy‑sell agreements, key‑person coverage, and shareholder loans while creating tax‑preferred capital inside your holding company.
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Est. Ottawa · Private Client AdvisoryProtecting the capital
Protecting the capital
you've quietly
built.
Bespoke corporate life insurance and estate strategies for incorporated professionals and business owners across the National Capital Region — engineered for tax efficiency and generational continuity.
30 Minutes · No Cost · Strictly Confidential
— 01
$2.3B
Canadian life insurance new premium, 2025
— 02
9%
Year‑over‑year growth in policy premium
— 03
1 : 2
Canadian households underinsured today
— 04
35–55+
Ages when corporate coverage compounds most
I.The Exposure
You've built a business. It deserves a plan as considered as the work behind it.
Most incorporated professionals between 35 and 55+ are quietly exposed. Retained earnings pile up inside the corporation. Buy‑sell agreements sit unfunded. Personal coverage was purchased years ago and never revisited.
- 01Passive investment income eroding your small‑business tax rate.
- 02No corporate funding in place if a shareholder dies unexpectedly.
- 03Personal life insurance sized to a life you had ten years ago.
- 04Estate taxes that will force your family to sell what you built.
II.The Method
A four‑step process built for professionals whose time is already spoken for.
Advice‑first, product‑second. Every recommendation is documented, compliant, and explained in language you can act on.
01
Discovery
A private 30‑minute conversation about your corporation, family, income, and where the gaps really are.
02
Analysis
We model corporate vs. personal ownership, tax outcomes, and how coverage should be structured across your life.
03
Recommendation
Clear, jargon‑free options with the numbers behind them — term, whole life, universal life, or segregated funds.
04
Stewardship
We handle underwriting end‑to‑end and revisit the plan annually as your business and family evolve.
III.The Practice
What we handle, quietly, on your behalf.
Discuss for your business
ii.Discipline
Estate & wealth transfer
Structure permanent coverage to offset the tax bill triggered at death, preserving the business and property you intend to pass on.
iii.Discipline
Segregated funds
Growth with insurance guarantees. Ideal for surplus capital sitting on your corporate balance sheet that deserves a smarter home.
The right corporate insurance plan doesn't just protect your family — it makes your business worth more, and easier to pass on.
Kelly Dejong
Founder · Principal Advisor
IV.Private Consultation
Request your strategy session.
A 30‑minute call with Kelly. We'll review where your corporation and family stand today, and outline what a better‑structured plan would look like. No cost, no pitch.
- Serving
- Ottawa & the National Capital Region
- Hours
- Mon–Fri, 9:00–5:00 · Evenings by request
V.Frequently Asked
Questions we hear often.
Don't see yours? Ask it directly on your consultation.
01Why put life insurance inside my corporation instead of owning it personally?+
Premiums are paid with lower‑taxed corporate dollars, and the death benefit generally flows out through the capital dividend account tax‑free. For most incorporated professionals, corporate ownership is materially more efficient than personal ownership.
02I'm healthy and my business is growing — why do I need this at 40?+
The 35–55 window is exactly when premiums are lowest, insurability is highest, and permanent policies have the most time to compound. Waiting is almost always the most expensive choice.
03What's the difference between term, whole life, and universal life?+
Term protects a specific window (mortgage, income years). Whole life and universal life are permanent — they build cash value inside the corporation and are the tools we use for estate and tax planning.
04How do segregated funds fit in?+
Segregated funds offer market growth with insurance guarantees, creditor protection, and estate bypass. They're an ideal home for surplus corporate cash that would otherwise sit in a taxable investment account.
05Are you independent?+
Yes. We're a licensed independent life insurance and segregated funds practice, which means we recommend the carrier and product that fits you — not one we're required to sell.