Shareholder agreement:
Key points to verify

A shareholder agreement is a contract between a company’s partners that establishes general rules, the operation and structure of the company, as well as the nature of the relationship that the partners will have and their commitment to society.

Death and disability clauses are of particular importance, since they are raised during times of profound emotion. As such, it’s important to define them carefully.

Elements such as using the capital dividend account, defining disability, the duration the company will pay the disabled shareholder their salary, as well as current and future needs must be properly planned to avoid conflicts and facilitate the transaction when the worst occurs.


Permanent life insurance:
Maximize your capitalization

Permanent life insurance is the ideal tool to preserve the value of your estate when you die and equally divide your assets among your heirs. It’s also an investment vehicle that presents important tax advantages, since capital accumulation is tax sheltered. Substantial tax savings can be made by investing part of your non-registered portfolio in a permanent life insurance policy, improving your portfolio’s risk/return profile.

Living benefits:
Protect your lifestyle

As the key person or leader of a business, a disability could jeopardize your financial security as well as that of your family and company.


Salary insurance, critical illness insurance and long-term care insurance are tailor-made products that adapt to each stage of life. In the event of an accident or illness, these living benefits guarantee the revenue or cash necessary to give you peace of mind for yourself, your family and your business. That way, you can concentrate on getting better without compromising your assets or retirement plans.

Group insurance:
Stand out from the competition

These days, workforce competition is fierce. Recruiting employees and keeping them can be a real challenge. Your company has to be creative in its global compensation strategy.


Did you know you can enhance your company’s group insurance plan by offering key employees complementary protection while optimizing costs? It’s a great way to stand out in your industry.

Planned giving:
Give while preserving your estate

Many people would like, and have the means, to make significant donations, but may hesitate to do so for fear they could jeopardize the inheritance they wish to pass on to their heirs.


If you would like to donate to a charitable organization, it could be very advantageous to use insurance. It is an affordable way to make a substantial donation. There are two options available to you: a tax credit that is applied to your final income tax return as well as the tax return for the year prior to your death in the event the tax amounts to pay are insufficient, or you can benefit from a tax credit during your lifetime if you pay the annual premium.


That way, you can reduce your taxes, donate to the charity of your choice, and allow your heirs to benefit from the legacy you’ve made for them.

Insured annuity:
Guaranteed income for life

An insured annuity is an excellent option that gives you guaranteed income for life. Like a GIC, it provides stable, long-term annual revenue, but at a more attractive rate than current savings bonds. This strategy is ideal for you if:


  • You are insurable
  • You want to benefit from guaranteed lifetime income derived from your assets
  • You have sufficient liquidity


The goal of this strategy is to use surplus cash that would otherwise be invested in fixed-interest securities, such as GICs, to acquire an insured annuity for an annual income with higher returns than a GIC over your lifetime. When you die, life insurance allows the invested cash to be recovered.

Health care and peace of mind:
Joining medical care with insurance

We are privileged: our health care system is free and accessible to all. However, when it comes to your health, wait times, no matter how long, can be a source of anxiety.


Families and companies can take advantage of protection that covers access to information and necessary care during a diagnosis. That way, beneficiaries receive immediate care for a speedy return to normal life.