{"id":11437,"date":"2025-05-29T12:07:24","date_gmt":"2025-05-29T16:07:24","guid":{"rendered":"https:\/\/rosengroup.ca\/?page_id=11437"},"modified":"2025-06-30T09:18:09","modified_gmt":"2025-06-30T13:18:09","slug":"insurance","status":"publish","type":"page","link":"https:\/\/rosengroup.ca\/fr\/insurance\/","title":{"rendered":"Assurance"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#09131E&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;rgba(9,19,30,0.9) 0%|rgba(9,19,30,0.9) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(9,19,30,0.9)&#8221; background_color_gradient_end=&#8221;rgba(9,19,30,0.9)&#8221; background_image=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2022\/03\/bill-of-rights-header-bg.jpg&#8221; custom_padding=&#8221;120px||120px||false|false&#8221; custom_css_main_element=&#8221;background-position: 50% 67%;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||8px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>Insurance<\/h4>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;900px&#8221; max_width_tablet=&#8221;500px&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|tablet&#8221; module_alignment=&#8221;center&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Key Benefits of Corporately Owned Whole Life Insurance<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#F7F7F7&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Corporately owned whole life insurance is a popular tool used by incorporated business owners and professionals in Canada to manage tax, estate, and retirement planning. Here are the key benefits of using a whole life policy owned by a corporation:<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Tax-Advantaged <strong class=\"font-serif\">Growth<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>The cash value of a whole life policy grows tax-sheltered within the policy.<\/li>\n<li>This allows the corporation to grow passive assets without triggering annual taxes on investment income, which normally faces high corporate tax rates.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Efficient Use of After-Tax <strong class=\"font-serif\">Corporate Dollars <\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Corporations pay a lower tax rate than individuals, especially on active business income (typically 12%\u201315%).<\/li>\n<li>Using corporate dollars to fund premiums is more tax-efficient than paying premiums with personally taxed income.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row make_equal=&#8221;on&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;30px||30px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#09131E&#8221; custom_padding=&#8221;50px|5%|50px|5%|true|true&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|||on|||||&#8221; text_letter_spacing=&#8221;2px&#8221; text_orientation=&#8221;left&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Example<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_layout=&#8221;dark&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>To pay a $10,000 premium personally, you might need $18,000+ in gross income. Through the corporation, you may only need ~$11,500 in pre-tax income (depending on rates).<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Estate Planning with Capital Dividend Account  <strong class=\"font-serif\">(CDA)<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Upon death, the death benefit (minus adjusted cost basis) is credited to the Capital Dividend Account (CDA).<\/li>\n<li>The CDA allows tax-free distribution of death benefit proceeds to shareholders or beneficiaries.<\/li>\n<li>This creates a tax-efficient way to pass on wealth to heirs.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Access to <strong class=\"font-serif\">Cash Value<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>The policy\u2019s cash value can be accessed during the insured\u2019s lifetime through:<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;40px||15px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2025\/05\/icon_salary.png&#8221; alt=&#8221;Salary &#8211; Icon by Freepik&#8221; align=&#8221;center&#8221; module_class=&#8221;round-image&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#86754E&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|desktop&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;90px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||15px||false|false&#8221; custom_padding=&#8221;25px|25px|25px|25px|true|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_4_text_color=&#8221;#09131E&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>Policy loans<\/h4>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2025\/05\/icon_split.png&#8221; alt=&#8221;Dividends &#8211; Icon by Freepik&#8221; title_text=&#8221;icon_split&#8221; align=&#8221;center&#8221; module_class=&#8221;round-image&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#86754E&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|desktop&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;90px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||15px||false|false&#8221; custom_padding=&#8221;25px|25px|25px|25px|true|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_4_text_color=&#8221;#09131E&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>Withdrawals<\/h4>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2025\/05\/icon_cheque.png&#8221; alt=&#8221;Bonuses &#8211; Icon by Freepik&#8221; align=&#8221;center&#8221; module_class=&#8221;round-image&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#86754E&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|desktop&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;90px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||15px||false|false&#8221; custom_padding=&#8221;25px|25px|25px|25px|true|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_4_text_color=&#8221;#09131E&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>Collateral loans<\/h4>\n<p>borrowing from a bank using the policy as collateral<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Funds accessed this way can be used for retirement, reinvestment, or emergencies, with minimal or deferred tax consequences.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Creditor <strong class=\"font-serif\">Protection<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>In many cases, insurance policies enjoy creditor protection, especially if a family member is a named beneficiary.<\/li>\n<li>This can help safeguard part of your corporate assets in the event of a lawsuit or business failure.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Supplemental <strong class=\"font-serif\">Retirement Income<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>You can use the cash value as a source of retirement income, especially via a collateral loan strategy, where:<\/p>\n<p>[\/et_pb_text][dsm_icon_list icon_padding=&#8221;5px&#8221; list_vertical_alignment=&#8221;flex-start&#8221; list_space_between=&#8221;8px&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_css_main_element=&#8221;columns: 3;&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element_last_edited=&#8221;on|phone&#8221; custom_css_main_element_tablet=&#8221;columns: 2;&#8221; custom_css_main_element_phone=&#8221;columns: 1;&#8221;][dsm_icon_list_child text=&#8221;The bank lends you money based on the policy\u2019s value.&#8221; font_icon=&#8221;&#x4c;||divi||400&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/dsm_icon_list_child][dsm_icon_list_child text=&#8221;The death benefit repays the loan when you pass away.&#8221; font_icon=&#8221;&#x4c;||divi||400&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/dsm_icon_list_child][dsm_icon_list_child text=&#8221;This provides tax-efficient retirement income without liquidating other investments.&#8221; font_icon=&#8221;&#x4c;||divi||400&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/dsm_icon_list_child][\/dsm_icon_list][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Diversification of <strong class=\"font-serif\">Corporate Investments<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Many corporations accumulate passive investment income (stocks, bonds, real estate), which can impact the small business tax rate once it exceeds $50,000\/year.<\/li>\n<li>Whole life insurance does not count toward this threshold, making it an attractive way to diversify corporate assets without affecting small business tax eligibility.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Predictable and <strong class=\"font-serif\">Stable Returns<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Participating whole life policies offer guaranteed cash value growth and may receive annual dividends.<\/p>\n<p>This offers stability compared to market-based investments, which can be volatile.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#F7F7F7&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||80px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Is It <strong class=\"font-serif\">Right For You?<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Corporately owned whole life insurance is most beneficial for:<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_4,1_4,1_4,1_4&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; pac_drh_column_numbers_tablet=&#8221;pac_drh_tab_col_one&#8221; pac_drh_column_numbers_phone=&#8221;pac_drh_phone_col_one&#8221; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; transform_translate_linked__hover=&#8221;off&#8221; custom_padding=&#8221;||10px||false|false&#8221; animation_style=&#8221;slide&#8221; animation_delay=&#8221;200ms&#8221; animation_intensity_slide=&#8221;5%&#8221; link_option_url_new_window=&#8221;on&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_color=&#8221;rgba(0,0,0,0.1)&#8221; box_shadow_vertical_last_edited=&#8221;off|desktop&#8221; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|hover&#8221; transform_translate__hover_enabled=&#8221;on|desktop&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-20px&#8221; box_shadow_vertical__hover_enabled=&#8221;on|hover&#8221; box_shadow_vertical__hover=&#8221;22px&#8221; custom_css_main_element_last_edited=&#8221;on|tablet&#8221; custom_css_main_element_tablet=&#8221;margin-bottom: 60px !important;&#8221; custom_css_main_element_phone=&#8221;margin-bottom: 60px !important;&#8221;][et_pb_image src=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2021\/08\/icons_doctors.png&#8221; alt=&#8221;Doctors and dentists&#8221; align=&#8221;center&#8221; module_class=&#8221;round-image&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#86754E&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|desktop&#8221; transform_translate=&#8221;0px|-45px&#8221; transform_translate_tablet=&#8221;0px|-20px&#8221; transform_translate_phone=&#8221;&#8221; transform_translate_last_edited=&#8221;on|tablet&#8221; transform_translate_linked=&#8221;off&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|desktop&#8221; transform_styles_last_edited=&#8221;on|tablet&#8221; max_width=&#8221;90px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||-40px||false|false&#8221; custom_margin_tablet=&#8221;||-20px||false|false&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;25px|25px|25px|25px|true|true&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; text_orientation=&#8221;center&#8221; custom_padding=&#8221;20px|30px|30px|30px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Incorporated\u00a0 business owners.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; transform_translate_linked__hover=&#8221;off&#8221; custom_padding=&#8221;||10px||false|false&#8221; animation_style=&#8221;slide&#8221; animation_delay=&#8221;200ms&#8221; animation_intensity_slide=&#8221;5%&#8221; link_option_url_new_window=&#8221;on&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_color=&#8221;rgba(0,0,0,0.1)&#8221; box_shadow_vertical_last_edited=&#8221;off|desktop&#8221; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|hover&#8221; transform_translate__hover_enabled=&#8221;on|desktop&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-20px&#8221; box_shadow_vertical__hover_enabled=&#8221;on|hover&#8221; box_shadow_vertical__hover=&#8221;22px&#8221; custom_css_main_element_last_edited=&#8221;on|tablet&#8221; custom_css_main_element_tablet=&#8221;margin-bottom: 60px !important;&#8221; custom_css_main_element_phone=&#8221;margin-bottom: 60px !important;&#8221;][et_pb_image src=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2025\/05\/icon_value.png&#8221; alt=&#8221;Excessed retained earnings &#8221; align=&#8221;center&#8221; module_class=&#8221;round-image&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#86754E&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|desktop&#8221; transform_translate=&#8221;0px|-45px&#8221; transform_translate_tablet=&#8221;0px|-20px&#8221; transform_translate_phone=&#8221;&#8221; transform_translate_last_edited=&#8221;on|tablet&#8221; transform_translate_linked=&#8221;off&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|desktop&#8221; transform_styles_last_edited=&#8221;on|tablet&#8221; max_width=&#8221;90px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||-40px||false|false&#8221; custom_margin_tablet=&#8221;||-20px||false|false&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;25px|25px|25px|25px|true|true&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; text_orientation=&#8221;center&#8221; custom_padding=&#8221;20px|30px|30px|30px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Those with excess retained earnings in the corporation.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; transform_translate_linked__hover=&#8221;off&#8221; custom_padding=&#8221;||10px||false|false&#8221; animation_style=&#8221;slide&#8221; animation_delay=&#8221;200ms&#8221; animation_intensity_slide=&#8221;5%&#8221; link_option_url_new_window=&#8221;on&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_color=&#8221;rgba(0,0,0,0.1)&#8221; box_shadow_vertical_last_edited=&#8221;off|desktop&#8221; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|hover&#8221; transform_translate__hover_enabled=&#8221;on|desktop&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-20px&#8221; box_shadow_vertical__hover_enabled=&#8221;on|hover&#8221; box_shadow_vertical__hover=&#8221;22px&#8221; custom_css_main_element_last_edited=&#8221;on|tablet&#8221; custom_css_main_element_tablet=&#8221;margin-bottom: 60px !important;&#8221; custom_css_main_element_phone=&#8221;margin-bottom: 60px !important;&#8221;][et_pb_image src=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2025\/05\/icon_money.png&#8221; alt=&#8221;Tax-sheltered asset growth&#8221; title_text=&#8221;icon_money&#8221; align=&#8221;center&#8221; module_class=&#8221;round-image&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#86754E&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|desktop&#8221; transform_translate=&#8221;0px|-45px&#8221; transform_translate_tablet=&#8221;0px|-20px&#8221; transform_translate_phone=&#8221;&#8221; transform_translate_last_edited=&#8221;on|tablet&#8221; transform_translate_linked=&#8221;off&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|desktop&#8221; transform_styles_last_edited=&#8221;on|tablet&#8221; max_width=&#8221;90px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||-40px||false|false&#8221; custom_margin_tablet=&#8221;||-20px||false|false&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;25px|25px|25px|25px|true|true&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; text_orientation=&#8221;center&#8221; custom_padding=&#8221;20px|30px|30px|30px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Individuals interested in estate planning or tax-sheltered asset growth.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; 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custom_padding=&#8221;20px|30px|30px|30px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Professionals looking to complement retirement income.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;12px&#8221; text_line_height=&#8221;1.6em&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>This article is provided for general informational purposes only and does not constitute financial, tax, or legal advice. Corporately owned whole life insurance involves complex planning considerations and may have significant tax and legal implications.<\/p>\n<p>We are not tax advisors, and we recommend readers to consult with a qualified tax professional to assess whether this strategy is appropriate for their specific corporate and personal circumstances.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.10.8&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#09131E&#8221; background_image=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2022\/03\/cta-footer-background-paralax_2.jpg&#8221; parallax=&#8221;on&#8221; custom_padding=&#8221;120px||120px||false|false&#8221; global_module=&#8221;868&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row make_equal=&#8221;on&#8221; module_class=&#8221;align-center&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][dsm_typing_effect before_typing_effect=&#8221;Invest in &#8221; typing_effect=&#8221;yourself.|your future.&#8221; typing_speed=&#8221;50ms&#8221; typing_backdelay=&#8221;3000ms&#8221; typing_cursor=&#8221;| &#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h2&#8243; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#FFFFFF&#8221; header_font_size=&#8221;60px&#8221; custom_margin=&#8221;||0px||false|false&#8221; header_text_align_tablet=&#8221;center&#8221; header_text_align_phone=&#8221;&#8221; header_text_align_last_edited=&#8221;on|tablet&#8221; header_font_size_tablet=&#8221;48px&#8221; header_font_size_phone=&#8221;36px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][\/dsm_typing_effect][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>InsuranceKey Benefits of Corporately Owned Whole Life InsuranceCorporately owned whole life insurance is a popular tool used by incorporated business owners and professionals in Canada to manage tax, estate, and retirement planning. Here are the key benefits of using a whole life policy owned by a corporation:Tax-Advantaged Growth The cash value of a whole life policy grows tax-sheltered within the policy. This allows the corporation to grow passive assets without triggering annual taxes on investment income, which normally faces high corporate tax rates. Efficient Use of After-Tax Corporate Dollars Corporations pay a lower tax rate than individuals, especially on active business income (typically 12%\u201315%). Using corporate dollars to fund premiums is more tax-efficient than paying premiums with personally taxed income. ExampleTo pay a $10,000 premium personally, you might need $18,000+ in gross income. Through the corporation, you may only need ~$11,500 in pre-tax income (depending on rates).Estate Planning with Capital Dividend Account (CDA) Upon death, the death benefit (minus adjusted cost basis) is credited to the Capital Dividend Account (CDA). The CDA allows tax-free distribution of death benefit proceeds to shareholders or beneficiaries. This creates a tax-efficient way to pass on wealth to heirs. Access to Cash ValueThe policy\u2019s cash [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-11437","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Insurance | Rosen Group Private Wealth Management<\/title>\n<meta name=\"description\" content=\"You are entitled to a high level of proactive, courteous service from Rosen Group Private Wealth Management.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rosengroup.ca\/fr\/insurance\/\" \/>\n<meta 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