The exact 1‑pager we use to decide when COLI fits — and when it doesn't. Includes minimums, access to cash, and plain‑English tax notes.
You'll also get my 60‑second walkthrough and a link to book a free 15‑minute Strategy Call.
Learn the Canadian COLI framework used by business owners to grow corporate assets, access cash, and protect the family — without overpaying CRA.
A practical path to reduce passive‑income tax drag on idle corporate cash.
Build long‑term, tax‑advantaged value within the corporation when structured correctly.
Design for protection while keeping strategic access to cash value via loans/collateral assignment.
Pick a time that works and bring your questions.
Structure ownership/beneficiaries to enable CDA where appropriate.
Design funding, monitor performance, and adjust as your corporation grows.
A professional corporation with $250k in retained earnings funds $50k/yr for 5 years into corporate UL for protection + asset growth. After year 10, they set up a collateral loan against CSV to finance equipment. At death, a CDA credit may enable tax‑free dividends to shareholders (net of ACB). Results vary by product, funding, and performance.
Yes — this is a long‑standing Canadian strategy when set up correctly. We coordinate with your CPA for structure/beneficiaries/CDA.
Options include policy loans or collateral loans against CSV (interest applies; confirm deductibility with your CPA).
We’ll assess fit. If not ideal today, we’ll give you a clear path to get there.
Generally, no. Some narrow collateral insurance rules exist — confirm with your CPA.
UL index options can credit positive or negative interest and include fees. We’ll show conservative and stress‑tested views.