Your Structure Protects the Money. Nothing In It Pays Anyone When Death Tests It.

Your Structure Protects the Money. Nothing In It Pays Anyone When Death Tests It.

Your Structure Protects the Money. Nothing In It Pays Anyone When Death Tests It.Stacy Arseneault
Published on: 09/13/2026

A Holdco and Family Trust protect capital. They do not produce cash on demand. Here is how corporate-owned life insurance, the CDA, and a funded buy-sell agreement are the piece that actually pays out when death tests the structure.

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What Is an Immediate Financing Arrangement and How Does It Work for Canadian Business Owners?

What Is an Immediate Financing Arrangement and How Does It Work for Canadian Business Owners?

What Is an Immediate Financing Arrangement and How Does It Work for Canadian Business Owners?Stacy Arseneault
Published on: 03/27/2026

An Immediate Financing Arrangement lets Canadian business owners use life insurance and borrowing together to preserve capital and improve tax efficiency—when structured correctly.

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How Business Owners Use Life Insurance to Access Capital Without Triggering Tax

How Business Owners Use Life Insurance to Access Capital Without Triggering Tax

How Business Owners Use Life Insurance to Access Capital Without Triggering TaxStacy Arseneault
Published on: 03/27/2026

Canadian business owners can use life insurance cash value as collateral to access capital without triggering tax—when structured and coordinated properly.

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Your Insurance Was Right When You Set It Up. That Doesn't Mean It Still Is.

Your Insurance Was Right When You Set It Up. That Doesn't Mean It Still Is.

Your Insurance Was Right When You Set It Up. That Doesn't Mean It Still Is.Stacy Arseneault
Published on: 03/27/2026

Insurance that once fit your situation can become outdated—learn how Canadian business owners should review coverage to match their current structure and risks.

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What Is Key Person Insurance and What Happens to Your Business Without It?

What Is Key Person Insurance and What Happens to Your Business Without It?

What Is Key Person Insurance and What Happens to Your Business Without It?Stacy Arseneault
Published on: 03/27/2026

Key person insurance protects your business from the financial impact of losing critical people—yet most Canadian business owners overlook this essential risk.

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What Is Corporate-Owned Life Insurance and Why Do Incorporated Owners Keep Hearing About It?

What Is Corporate-Owned Life Insurance and Why Do Incorporated Owners Keep Hearing About It?

What Is Corporate-Owned Life Insurance and Why Do Incorporated Owners Keep Hearing About It?Stacy Arseneault
Published on: 03/27/2026

Corporate-owned life insurance helps Canadian business owners transfer wealth tax-efficiently, fund buy-sell agreements, and protect their corporation when structured properly.

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