Corporate-Owned Whole Life Insurance: Answers for Canadian Business Owners

If you’re a Canadian business owner, incorporated professional, or entrepreneur exploring corporate-owned whole life insurance, you’re likely asking the right questions—but struggling to find clear, practical answers.

This page is designed to help.

Below, you’ll find a curated library of short educational videos that address the most common questions we hear from business owners considering or already using corporate-owned participating whole life insurance policies as part of their wealth planning strategy.

These videos explain how corporate whole life insurance can be used to:

• Protect and grow retained earnings inside a corporation

• Create tax-efficient liquidity and future passive income

• Complement RRSPs, IPPs, and traditional investment portfolios

• Provide leverage, flexibility, and control during market volatility

• Support succession planning, buy-sell agreements, and estate transfer

• Reduce long-term tax drag on conservative corporate capital

This is not sales content.

It’s practical education designed to help you understand:

• Where corporate-owned whole life insurance fits (and where it doesn’t)

• How it compares to holding corporate cash, GICs, bonds, or fixed income

• What flexibility exists around premiums, funding timelines, and access

• How this strategy evolves as your business, income, and goals change

Whether you’re evaluating corporate insurance for the first time, reviewing an existing policy, or looking to optimize retained earnings more efficiently, these resources are here to help you make informed, confident decisions.

👉 Start with the video that answers the question most relevant to you today.