Planning Concepts & Frameworks

Breakdowns of specific strategies like Corporate Par, CDA, and IFA, explaining how they work in practice.

Corporate-Owned Life Insurance: A Planning Tool, Not a Product

For many Canadian business owners, life insurance is often introduced as a product decision—coverage amount, premium level, or insurer selection. In corporate planning, however, this framing misses the point entirely.

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Is Corporate Insurance Right for Every Business Owner?

Corporate-owned life insurance is often discussed as a powerful planning tool for business owners. Its long-term tax efficiency and estate planning benefits are well documented.

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What an IFA Really Is—and What It Is Not

Immediate Financing Arrangements (IFAs) are often discussed in simplified terms—sometimes as a way to “borrow back premiums,” or as a form of leverage tied to insurance. This framing is misleading.

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