AG Financial Services - Financial security advisor in Quebec.
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CORPORATE INSURANCE

Protect your business
with pre-tax dollars.

Corporately held life, disability and critical illness insurance - tailored strategies for entrepreneurs and small business owners in Quebec.

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Regulated by
Autorité des marchés financiers - AMF
iA Groupe financier, partenaire de AG Services Financiers.
Cabinet MRA, partenaire de AG Services Financiers.
Autorité des marchés financiers - AMF
iA Groupe financier, partenaire de AG Services Financiers.
Cabinet MRA, partenaire de AG Services Financiers.
OUR STRATEGIES

Corporate strategies
suited to your structure.

Whether you're a sole owner or have partners, Alexandre analyzes your company's structure to recommend the most advantageous strategy - both tax-wise and operationally.

See all our strategies
Pre-tax dollars
The company pays the premium - a significant reduction in the real cost of protection.
Advantageous CDA
Capital paid through the capital dividend account - a tax-free distribution to shareholders.
Succession plan
An insured shareholder agreement to protect continuity in case of death or disability.
Structure analysis
Alexandre assesses your tax situation before recommending the optimal strategy.

Corporate life insurance

Key person and succession plan - business protection and ensured continuity with tax advantages.

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Corporate critical illness

A lump sum paid to the company on diagnosis - operations maintained without debt.

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Deductible disability

Income replacement for the entrepreneur - premium often deductible depending on your structure.

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CORPORATE STRATEGIES

All our corporate solutions

Key person

Corporate life insurance

The company is owner and beneficiary. Premium paid with pre-tax dollars. Capital paid to the business to ensure continuity.

  • Capital dividend account (CDA)
  • Protection of the business's value
Product page
Succession plan

Corporate critical illness

Protects the business against the loss of a partner or leader. Immediate capital to maintain operations on diagnosis of a serious illness.

  • Lump-sum payout without restrictions
  • Insured shareholder agreement
Product page
Deductible

Deductible disability for entrepreneurs

Income replacement for the entrepreneur if disability prevents them from working. Premium often deductible for the self-employed and shareholders.

  • Own-occupation definition available
  • Deductible premiums depending on your structure
Product page
RISKS

What happens to your
business without protection?

Real scenarios that weaken small businesses every year.

60%
of small businesses with no insured succession plan
Source: CFIB - Canadian Federation

Most small business owners have no mechanism to ensure continuity if a key partner dies or becomes disabled.

1/3
of businesses close after losing a key partner
Source: Canadian SME statistics

Without an insured shareholder agreement, the death of a partner can force the liquidation of the business or create costly conflicts with heirs.

$$
Tax savings with corporate ownership
Source: Strategy validated by planners

Paying the premium with company dollars rather than personal income significantly reduces the real cost of protection.

Is your business protected if you can no longer work?

A first conversation with Alexandre costs nothing.

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WHY ALEXANDRE

Why choose Alexandre
for your corporate insurance?

Alexandre won't recommend a product before understanding your corporate structure, your shareholder agreement and your tax goals. No generic solution.

Learn more about our approach
Structure analysis
Assesses your tax situation and structure before recommending the optimal strategy.
Multiple insurers
Compares several companies to find the best conditions at the best cost.
Annual follow-up
Review of your strategy every year as your business evolves.
Alexandre Garneau, Financial Security Advisor - AG Financial Services
THEY MADE THE RIGHT CHOICE

Situations that resonate

Fictional cases for illustration only - inspired by common situations.

M
Marc, 48
Business owner - 2 partners

Marc and his two partners signed a shareholder agreement. Alexandre set up a cross life insurance policy - if one dies, the survivors have the capital to buy back their shares at fair value, without borrowing or forcing a sale.

Corporate life insurance - succession plan
S
Sophie, 41
Consultant - self-employed

Sophie bills $180,000/year through her company. Alexandre structured a deductible disability policy for her - if she can no longer work, 85% of her income is replaced, and the premium is deductible as a company expense, reducing its real cost.

Deductible disability for entrepreneurs
R
Robert, 55
Founder of a manufacturing company

Robert has an indispensable operations director. A cancer diagnosis could have paralyzed the company. Corporate critical illness insurance paid $250,000 to the company in 30 days - allowing him to hire a replacement and ensure continuity.

Corporate critical illness - key person
FAQ

Your questions about corporate insurance

What is corporately held insurance?
Corporately held insurance means the company is the owner and payer of the premium, rather than the individual. The premium is paid with pre-personal-tax dollars, which reduces the real cost of coverage. The capital is paid to the company, ideally through the capital dividend account (CDA).
What's the difference between key person insurance and a succession plan?
Key person insurance protects the business against the loss of a leader essential to its operations. The succession plan ensures continuity during a change of ownership - often used between partners to allow the buyback of shares in case of death or disability of a partner.
Is disability insurance deductible for an entrepreneur?
Yes - disability insurance taken out as a self-employed worker or shareholder employee is generally deductible as a business expense, under certain conditions. Alexandre checks your structure and advises you on the optimal approach for your situation.
When should I set up a corporate strategy?
Ideally as soon as the business generates stable revenue and you have a key shareholder or leader to protect. Premiums are generally lower when you sign up young and healthy. The earlier you act, the more advantageous the strategy is tax-wise.
Do my partners need to be involved in the process?
If you have partners, it's strongly recommended to plan together - especially for an insured shareholder agreement. Alexandre can meet all the partners to structure a fair solution consistent with the existing or future agreement.
Your question isn't listed? Contact us →
CORPORATE ANALYSIS

Let's analyze your structure together.

Free, no obligation, directly with Alexandre - financial security advisor, AMF #272275.

Structure analysis included
No obligation to buy
AMF registered #272275 · MRA Firm
Confidential - never shared with third parties.