If you stop working tomorrow, does the money stop too?
Most business owners have coverage. Almost none of it is coordinated with the corporate structure it is supposed to protect.
The Problem
Coverage that is not coordinated with your structure is not protection. It is paperwork.
You bought the policy because someone told you to. A term policy when the mortgage was new. A disability plan through an advisor who also sold you your investments. Critical illness coverage that made sense at the time.
What nobody asked was how any of it fits with your corporation, your shareholder agreement, your retained earnings, or the family depending on both you and the business to keep running.
Personal Protection and Income Continuity is not a product category. It is a structural layer. Three coverages that are almost never sold together and almost never structured together, built as one coordinated piece of your wealth system.
The Three Coverages
Three things. One coordinated layer.
01
Disability Insurance
If you cannot work, who pays the bills? The personal ones and the corporate ones. Does your current disability coverage match your actual income, including what you draw from the corporation? Most does not. We map the gap and close it.
02
Critical Illness Insurance
A serious diagnosis does not just cost you your health. It costs your business its operator, your family its income, and your corporation its liquidity at exactly the moment you need it most. The right structure means a tax-free lump sum arrives when it is needed, not to a policy that expired or pays out to the wrong entity.
03
Personal Life Coverage
Your personal life policy needs to speak to your corporate structure. Who are the named beneficiaries? Does it account for what the corporation owes you, or what your estate owes the corporation? Is the payout going to land where your family actually needs it?
How It Fits
Four of the 7 Structures. Directly.
Personal protection is not a standalone product decision. It touches the core of your wealth system. Here is where it connects.
Structure 1
Cash Flow Control
Your personal income depends on you being able to work. When that stops, cash flow stops. Disability and critical illness coverage are what keeps cash moving when the operator cannot.
Structure 2
Tax Efficiency
Personal coverage paid personally versus paid through the corporation has completely different tax treatment. Getting this wrong does not just cost money. It costs the payout itself.
Structure 4
Asset Protection
Your biggest asset is your ability to produce income. If that asset has no protection layer around it, everything built on top of it is exposed. Personal protection is the foundation of asset protection for an operator.
Structure 7
Legacy Continuity
If something happens to you before the structure is finished, what does your family inherit? A business nobody can run, a corporation nobody can access, and a life policy that pays to the wrong place. Personal protection built into the structure means the transition happens by design, not by chaos.
What We Do
A review that looks at the whole picture
We review every policy you currently hold and map it against your corporate structure, your shareholder agreement, your income, and your family’s actual exposure.
01
Review every policy you hold
Disability, critical illness, personal life. Everything gets mapped. Most families have never looked at all three together. We do.
02
Map it against your structure
We run your coverage against your shareholder agreement, your corporate income, your retained earnings, and your actual family exposure. The gaps show up fast.
03
Identify, correct, consolidate
What is missing gets identified. What is misaligned gets corrected. What is redundant gets consolidated. The result is a personal protection layer that actually does what you think your current coverage does.
Ready?
Start with the Diagnostic. Know where you stand.
Not sure if your personal protection is coordinated with your corporate structure?
The Wealth Structure Diagnostic maps your situation across all 7 Structures in 15 minutes, including where your personal coverage sits relative to your wealth system.