The entrepreneur
simply...
Shareholders' agreement
In the event of the death or disability of a business partner, the shareholders' agreement stipulates the mandatory repurchase of their shares, either from them or from their heirs. The key question is simple: do you have the necessary liquidity to do so? Well-structured insurance can finance this repurchase without jeopardizing the company's financial stability.
Tailor-made group insurance
Group insurance is becoming a powerful tool for retaining and attracting talent, while also offering attractive tax benefits for both the company and its employees. Thanks to our group insurance partner, it's possible to set up coverage for you and your employees with as few as two. Coverage is fully customizable: prescription drugs, healthcare, disability, life insurance, and more.
The two essential layers of protection
An entrepreneur must protect themselves and their business. Life insurance allows, among other things, the purchase of a business partner's shares in the event of their death. Disability insurance helps maintain fixed payments (rent, utilities, loans) if you are unable to work. Critical illness insurance, on the other hand, offers financial flexibility, allowing you, for example, to hire a manager during your recovery to ensure business continuity.
Advanced tax solutions for entrepreneurs
Several strategies can optimize long-term taxation: infinite banking for retired entrepreneurs, shared ownership of critical illness insurance, succession bonds, and collateral insurance used to facilitate financing. These solutions are aimed at entrepreneurs who want to protect, grow, and transfer their wealth in a tax-efficient manner.
Corporate Investments and Segregated Funds
Segregated funds offer unique advantages for entrepreneurs: capital protection upon death, direct beneficiary designation, and protection against creditors in certain situations. They can play a strategic role in managing excess cash, estate planning, and securing corporate assets, while remaining invested in the markets.
Succession planning
Preparing for succession helps protect the company's value and ensures a smooth transition. Solutions exist to facilitate the acquisition of the business, whether by a partner, a key employee, or a family member. Well-structured planning avoids conflicts, reduces financial pressure, and preserves the entrepreneurial legacy you have built.
The entrepreneur's retirement plan
Too many entrepreneurs rely solely on their business to finance their retirement. However, retirement always comes, and sometimes sooner than expected. Retirement planning is doubly important for entrepreneurs: to avoid having to work beyond their goals and to diversify their income streams when they decide to slow down.
Equity in family inheritance
When several children are involved, the question of fairness becomes crucial. If one child takes over the business, solutions exist to ensure the other heirs receive an equitable share without forcing the sale of the business. Insurance and estate planning can help preserve family harmony while respecting your vision.
Our professional resources at your service
Effective planning is never a solitary endeavor. We collaborate with accountants, notaries, lawyers, tax specialists, and mortgage and real estate brokers to ensure consistency between your insurance, business structure, and personal assets. This multidisciplinary approach eliminates blind spots, secures your decisions, and enables the implementation of sustainable strategies tailored to your specific entrepreneurial needs.
Protecting ourselves and rebuilding peacefully
Même en période difficile, il est important de se protéger contre les imprévus.
Mettre en place de petites habitudes d'épargne et s'assurer que les dettes ne deviennent pas un fardeau pour les proches en cas de décès permet de rebâtir sur des bases plus solides.