SUMREET DHALIWAL
Insurance Advisory · Toronto
Stop paying for coverage the expensive way

The Coverage You Need Costs Less When Your Corporation Pays for It

Most incorporated owners pay premiums personally, with after-tax dollars — the costliest money they have. Structured through your corporation, the same coverage can be funded at a lower after-tax cost, and your surplus cash goes to work at the same time.

Independent across Canada's major insurersWellington-Altus InsuranceNo obligation
Sumreet Dhaliwal
Who you will be speaking with
Sumreet Dhaliwal, LLQP

Advice here is personal by design. I am licensed across Canada and independent among the major Canadian insurers, so what you receive reflects your circumstances rather than a single carrier's shelf. I work alongside your accountant and lawyer, and I am candid when something is not worth pursuing.

Send four details. Within one business day I will call you with both numbers, and if your current setup is already right I will tell you that.

Same Protection. Better Structure. Lower Cost!

Prefer to pick a time? See my calendar
Your details stay private. One reply, no mailing lists, no pressure.
Working with Canada’s leading insurers
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A bill, or an asset

Stop treating insurance as a bill. Start treating it as a corporate asset.

Most owners are overpaying, funding premiums with personal after-tax dollars — the most expensive money they have. Let the corporation do the heavy lifting instead. The same protection, a better fit, a lower effective price, and your surplus cash working while it sits there.

The problem most owners live with

Surplus cash is the least efficient asset your company owns

Passive investment income inside a corporation is taxed at the top rate from the first dollar, with none of the graduated brackets that apply to you personally, and past a threshold it grinds down the small business deduction on your active income. A corporately owned policy is one of the few places that money can compound without that drag. Most owners have never had it explained to them.

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Tax-sheltered growth on surplus corporate cash
Access to cash value for opportunities or retirement
A cleaner, more tax-efficient transfer to your estate
Strategies for incorporated owners

Four questions every incorporated owner should be able to answer

Anyone can sell you a policy. Very few will walk you through these first. They come up in almost every conversation I have with owners, and they are usually where the money is being left behind.

01

Does funding a policy have to mean tying up capital?

Most owners assume premiums are money out the door. An immediate financing arrangement is built so the corporation can fund a policy and still borrow against its cash value, keeping capital working in the business. Whether it fits depends on your lender, your structure and your numbers.

02

How much can actually leave your corporation tax-free?

When a corporation receives a life insurance benefit, a large portion can typically flow to shareholders tax-free through the capital dividend account. It is one of the few remaining ways to move real value out of a company without tax.

03

Would your family have to sell the business to pay the tax bill?

A freeze locks in today’s share value so future growth accrues to the next generation, and insurance can fund the bill that comes due on death. Without one of the two, families are sometimes forced to sell the very asset they inherited.

04

If your partner died tomorrow, who would own their shares?

Often the answer is their spouse, who may have no interest in running the business. A funded buy-sell agreement means the surviving partner can buy those shares at a fair price, on terms everyone agreed while they were healthy, without draining the company.

These strategies depend on your corporate structure, your shareholdings and your personal situation, and involve tax and legal considerations. Tax treatment is subject to change and to the rules in force at the time. They are implemented together with your accountant and lawyer, and nothing here is financial, tax or legal advice. The first step is a conversation to see what applies to you.

Start the conversation

Twenty minutes to find out what your structure allows.

Tell me how your corporation is set up and what you are holding in it. I will tell you plainly which of these apply to you and which do not. You can give me a call or message me on WhatsApp.

Call (647) 514-3382→Message on WhatsApp→
01You send four details. It takes under a minute.
02Before any recommendation, I look at what you already carry — personally and corporately — and where the gaps and overlaps are.
03You get a read on your total cost of risk, not just a new premium. What you do with it is up to you.
Sumreet Dhaliwal
Who you will be speaking with

Sumreet Dhaliwal, LLQP

Advice here is personal by design. I am licensed across Canada and independent among the major Canadian insurers, so what you receive reflects your circumstances rather than a single carrier's shelf. I work alongside your accountant and lawyer, and I am candid when something is not worth pursuing.

Before you ask

What this costs you

The conversation is complimentary. If we ever put a policy in place, the insurer pays me, so you never receive an invoice from me. I tell you how I am paid before anything is signed.

No fee for the conversation, and no obligation afterwards
Compensation disclosed in writing before you sign anything
If nothing fits your structure, I will say so and we stop there
SUMREET DHALIWAL
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Sumreet Dhaliwal is licensed to sell life and health insurance across Canada. Insurance products are provided through Wellington-Altus Insurance. The information on this page is general in nature, applies to Canadian residents, and does not constitute financial, tax or legal advice. Strategies such as immediate financing arrangements, capital dividend account planning, estate freezes and buy-sell funding depend on your corporate structure and must be reviewed with your own tax and legal advisors. Tax treatment is subject to change. © 2026 Sumreet Dhaliwal.