Businesses buy insurance to protect themselves for a variety of important reasons. Some of these include:

• Funding a buy/sell agreement at the death of one of the co-owners of the business
• Funding a future capital gains tax on the shares of the corporation at death of the owner
• Protection of the business in the event of the death or disability of a key employee

Another valuable reason for businesses to purchase life insurance is to build a pool of tax-exempt capital that could be used to:

• Provide a supplemental retirement income to the business owner in a tax-effective manner
• Fund a living buyout of shares from a co-owner

Protecting Your Employees

• Employee benefits
• Extended medical and health coverage with prescription drugs
• Dental insurance
• Life insurance
• Disability insurance
• Vision care insurance

Protecting Your Future

• Life insurance
• Disability insurance
• Critical illness insurance
• Health and dental insurance
• Segregated funds policies, RRSPs
• Payout Annuities, RRIFs, LIFs

Quadrus Investment Services Ltd.

• Mutual Funds: RESPs, RRSPs and RRIFs