Protection designed around the life you’ve built.
Whole life, term, universal life and disability coverage for professionals, business owners and families. Every option is explained plainly and structured precisely.
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Six ways to protect what matters
Corporate whole life
Put retained earnings to work inside a tax-advantaged policy your corporation owns. It builds accessible cash value while protecting your family and your business.
Discuss a corporate strategyWhole life
Permanent coverage that builds guaranteed cash value. It becomes a foundation for your family and estate.
Learn more →Term life
Maximum protection at the lowest cost, matched to your mortgage, income years or business loan.
Learn more →Universal life
Flexible permanent coverage with investment choice. Adjust premiums and growth as life changes.
Learn more →Disability
Your income is your biggest asset. Protect it if illness or injury keeps you from working.
Learn more →Critical illness
A lump sum if a serious diagnosis strikes. Return-of-premium options may refund what you paid if you never claim.
Learn more →Not sure where to start?
Most clients don’t arrive knowing the product. Start with a 20-minute conversation about your situation instead.
Book a call →Insurance as a planning tool, not just protection
For incorporated Canadians, permanent life insurance can do more than pay out one day. These are the four conversations I have most often with owners and professionals.
Immediate Financing Arrangement
Your corporation funds a whole life policy, then borrows against its cash value. Capital keeps working in the business while coverage and tax-advantaged value build alongside it.
Capital Dividend Account planning
When a corporation receives a life insurance benefit, much of it can typically be paid to shareholders tax-free through the CDA. It is one of the most efficient ways to move value out of a company.
Estate freeze funding
After a freeze locks in today’s share value, insurance can fund the tax bill that comes due on death. That way your heirs aren’t forced to sell the business to pay CRA.
Buy–sell agreement funding
Life and disability coverage that funds your shareholder agreement. If a partner dies or can’t work, the buyout happens smoothly, at a fair price, without draining the company.
These strategies depend on your corporate structure and personal situation, and involve tax and legal considerations. They’re implemented together with your accountant and lawyer. The first step is a conversation to see what applies to you.
Simple, transparent, unhurried
A conversation, not a pitch
A 20-minute call to understand your situation, covering family, business, income and goals. You’ll leave with clarity even if we never speak again.
A plan in plain language
Options are compared across insurers, side by side. You will see what each costs, what it does, and what I’d choose in your position, with the reasoning.
Reviewed as life changes
Coverage is revisited at every milestone, from a new home or child to incorporation or the sale of a business, so it always fits.
Advice you can actually understand
I’m Sumreet Dhaliwal, a Toronto-based advisor helping Canadians grow their financial literacy and protect what they’ve worked for. Insurance is full of jargon and pressure. My job is to remove both, so you can make a confident decision on your own terms.
The first conversation costs nothing.
Tell me a little about your situation, or skip the form and book a time directly. Either way, you’ll hear back within one business day.