Permanent life
insurance.

The cost varies based on your age, health, desired amount and product type. Alexandre prepares a personalized estimate at no cost.

Term covers a defined period (10-30 years) at a lower premium, with no cash value. Permanent covers for life, can accumulate value and can offer tax advantages. The right choice depends on your goals.

Generally, no: life insurance premiums are usually not deductible, whether the policy is held by you or by your company, with some exceptions. Under corporate ownership, the company pays the premium, which can be advantageous depending on your structure. The tax treatment depends on who pays the premium and the structure; confirm with your accountant.

Under the contract, part of your premiums can accumulate inside the policy. This value can grow tax-sheltered, within the limits set by tax rules, and be accessed via a policy loan or partial withdrawal. A withdrawal may be taxable.

Generally, basic coverage starts at contract signing. Some specific clauses may include a waiting period - Alexandre explains this before any signing.

Yes. Corporate ownership lets the company be the owner and beneficiary of the policy. Many entrepreneurs use it to protect their business and plan their taxes; the tax treatment depends on your situation, confirm with your accountant.

It depends on your policy and the value already built up. Some contracts offer reduced coverage instead of a cancellation. Alexandre reviews your options before any decision.

No. It's built for a long-term horizon or a succession project. For a one-time need like a mortgage, term insurance often costs less.

A participating policy may pay dividends, which are not guaranteed and can grow your value. A non-participating policy offers values set in the contract, at a generally lower premium.

Yes. Many clients combine a permanent policy for succession with a term policy for a specific need, like a mortgage. Alexandre structures it around your priorities.