1700 Langstaff Road,
Suite 1001, Concord,
ON, L4K 3S3

Please contact me if you'd like to meet & discuss your financial goals and needs.

416 849 2931

416 454 5142

Business life insurance

If you're in business, on your own or with a partner, you have unique life insurance needs that depend on the stage of your business' growth and your long-term goals for you, your family and your business.

Because you own a business, the majority of your wealth is likely tied up in it. You want to protect what you've built against unforeseen circumstances such as death or disability; you want to ensure you have liquidity when you need it so you can achieve your goals.

Your needs may include:
  • Covering a major commitment such as a mortgage or business loan
  • Retaining key employees and attracting new employees
  • Ensuring you have the funds to buy a partner's interest at death or retirement
  • Supplementing retirement income for you and your spouse tax effectively
  • Ensuring your spouse's lifestyle is protected
  • Ensuring taxes owing on your estate are paid, leaving your assets intact for your heirs

Here's how life insurance can help:

  • You can use a permanent life insurance policy to help ensure your business survives your death or the death of a partner or key employee.
  • Permanent life insurance puts your premiums to work for you by also providing a cash value that you can use to help meet future financial needs or opportunities over your lifetime.
  • Some permanent life insurance policies have cash values that may accumulate over time. They can help finance a business opportunity, buy out a partner's interest when they retire or give your business the ability to grow and change.
  • A permanent life insurance policy is an ideal way to accumulate tax-advantaged savings while you're alive and helps you leave a meaningful gift, outside of your estate, to your heirs or favorite charity.
  • Proceeds from a permanent life insurance policy can provide your heirs or estate with the liquidity needed to pay final taxes, capital gains and settlement costs so that you can preserve as much of your estate as possible to pass on to your heirs.
  • Term life insurance can save you money by providing more coverage for lower premiums and offering you the flexibility to convert to permanent life insurance.

Do you know

what you need to be saving &
earning to retire comfortably?

Read More

Investing and Protection

what your needs are before you need it?

Read More

Latest News

When is the last time you reviewed your Financial Plans?

Posted by Miles Rubinoff on 11 May 2016
When is the last time you reviewed your Financial Plans?
  When was the last time you reviewed your Financial Plans, Insurance bought years ago, Investments old and new money. If you don&...
Posted in: Insurance  

"Finding Money Through Cash Flow Analysis".

Posted by Miles Rubinoff on 10 May 2016
"Finding Money Through Cash Flow Analysis".
Working with clients it is easy to learn the wishes they have but often times the money has not been available to fund their wishes right away. Usi...
Posted in: Insurance  

Do you have the right coverage you need?

Posted by Miles Rubinoff on 5 April 2016
Do you have the right coverage you need?
Do you know what coverage you have and when you last reviewed it? Do you know what coverage you need and the various types to cover you, bef...
Posted in: Insurance  
< Previous | 1 | 2 | Next >

Facebook Feed

Miles Rubinoff, CLU

Please contact me if you'd like to meet
& discuss your financial goals and needs.

1700 Langstaff Road, Suite 1001
Concord, ON
L4K 3S3

Phone: 416 849 2931

Cell: 416 454 5142

Brash Associations

Bookmark SiteTell a FriendPrint