Corporate Insurance
Corporate-owned life insurance and the capital dividend account
How a corporate policy turns a death benefit into a tax-free capital dividend, and the adjusted cost basis mechanics that decide how much.
Corporate Insurance
Leveraged corporate life insurance: how it works and when it does not
Borrowing against a corporate policy to keep the capital working: the tax treatment, the three numbers that decide the arithmetic, and the risks.
Corporate Insurance
Corporate or personal ownership of life insurance: how to decide
Premium cost, death benefit, cash value access, creditor protection, probate and tax on death, compared side by side.
Professional Corporations
Professional corporations in British Columbia: where the surplus goes
Shareholding limits, the split-income exclusion and the passive income grind, and why they push professional surplus toward corporate-owned insurance.
Participating Insurance
Participating whole life dividends, explained
What a policy dividend is, what the dividend scale interest rate means, and how to read an illustration without being misled by it.