Individual Insurance

Life Insurance

Term
Permanent - Whole Life
Permanent - Universal Life
Tax Sheltering
Estate Planning
Key Person Coverage
Mortgage Insurance
Buy-Sell Funding

Disability Insurance

Your greatest asset is your ability to earn an income. Therefore protecting your income, in the event of an accident or sickness, is your most important purchase. The Integratis Group has been a Canadian Leader in Disability Insurance Solutions for over 15 years.

Critical Illness Insurance

Critical Illness Insurance will pay a lump sum benefit, surviving 30 days after diagnosis.

These are examples of core diseases common in all policies:

Cancer
Heart bypass surgery
Heart attack
Kidney failure
Major organ transplants
Multiple sclerosis
Stroke

Personal Tax Planning

The objective of personal tax planning is to minimize or defer income taxes payable. This requires a thorough understanding of Canada's Income Tax Act, plus bulletins, circulars and rulings put forth by the Canada Revenue Agency (CRA), along with other events such as tax rulings in the courts.

Business Owners

Business Succession

Specifically, business succession planning is the process of preparing to hand over control of the business to others in a way that is the least disruptive to the business's operations and value. To be successful, business succession planning should be started as early as possible.

Three main succession planning issues to be considered:

Ownership
Taxes
Transition Strategies

Buy- Sell Funding

Is the design and funding of the purchase & sale of shares in the event of a shareholder:

Dying
Becoming Disabled
Wanting to leave the company
Retirement

Buy sell funding using insurance is best suited for business owners, partners or shareholders who are looking to ensure the continuity of their business. All types of insurance are available for a corporate or personal ownership structure.