What this strategy includes
Corporate life insurance is as much a business planning tool as a protection mechanism - it secures the continuity of your business.
Shareholder agreement
Funding an automatic share buyback on the death of a partner - prevents unwanted heirs from entering the ownership.
Key person protection
Capital paid to the business on the death of a leader or essential employee - to keep operations going during replacement.
Deductible premiums (some cases)
In certain structures, corporate life insurance premiums may be deductible as a business expense - depending on the use and configuration.
Business succession planning
Transfer of the business's value to heirs in an organized way - with liquidity available to meet tax obligations on death.
Your corporate strategy in less than 48h.
Alexandre analyzes your ownership, your agreement and your risk exposure - and gets back to you with an insurance strategy suited to your business.
Your business is
your greatest asset.
Protect it.
Most Quebec businesses don't have enough cash to absorb the shock of a partner's death. Corporate life insurance creates that liquidity - exactly when you need it.
Without a plan, a partner's death often forces a rushed sale or new debt to buy back their shares. A clear structure avoids that crisis.
The amount and structure depend on your shareholder agreement, your revenue and your succession plan. Alexandre works with your accountant and notary to align it properly.
For which type of business?
The Alexandre advantage
Corporate life insurance requires coordination between your advisor, your accountant and your notary. Alexandre orchestrates that collaboration so every piece is in place.
With or without an insurance strategy
No planning | Agreement only | Agreement + life insurance RECOMMENDED | |
|---|---|---|---|
| Liquidity on death | None | Limited | Immediate capital |
| Business continuity | Partial | ||
| Protection of surviving partners | |||
| Tax neutrality | |||
| Organized succession | Partial | ||
| Affordable premium | N/A | N/A | |
| Choose this strategy |
What leaders say
“My partner died suddenly at 52. The cross life insurance policy we'd set up with Alexandre let us buy back his shares in less than 3 weeks. Without it, his estate would have been involved in day-to-day management.”
“Alexandre showed us that our shareholder agreement was well written but had no funding behind it. We would have had to borrow or liquidate assets. Now we have the liquidity ready.”
“The key person protection for our sales director was structured with Alexandre. It's an expense the business can afford, and if we lose him, we have 24 months of revenue to reorganize.”
* Names have been changed to protect client confidentiality.
How to structure
your strategy?
Several variables influence the optimal structure. Alexandre guides every decision with your team of professionals.
Analyze my businessHow does it work on death?
An organized process that protects your business's continuity.
The company notifies the insurer of the covered partner's death.
Timeline: 30 daysDeath certificate, shareholder agreement, policy statement, board resolutions.
Alexandre coordinatesCapital paid to the company - tax-free according to applicable rules.
Tax-free capitalThe company buys back the heirs' shares according to the terms of the agreement.
Continuity ensured