Free guides & checklists
Practical resources to download — no cost.
Key-Person Insurance Guide for Alberta Business OwnersA plain-English key-person insurance guide for Alberta business owners: what it covers, how to size it, and how to protect your company.Get it →
Buy-Sell Agreement Funding Checklist for Business PartnersA practical buy-sell agreement insurance checklist for Alberta business partners: what to review, size, and fund before something goes wrong.Get it →
Business Owner Protection Gap WorksheetA practical business owner protection gap analysis worksheet for Alberta companies. Map your key-person, buy-sell, and disability exposure step by step.Get it →
Key-Person Insurance
What happens when a key person dies or becomes disabled — and how to protect the business.
What Is Key-Person Insurance for a Small Business?Key-person insurance protects your Alberta business when someone critical dies or becomes disabled. Here's how it works, how much you need, and who it covers.Read →
What Happens to a Business If the Owner Dies Suddenly?If an Alberta business owner dies without a plan, ownership rolls to family or the estate. Here's what really happens and how to protect the business.Read →
How Much Key-Person Life Insurance Do I Need?A plain-English guide for Alberta business owners on sizing key-person life insurance — the methods carriers accept, what moves the number, and mistakes to avoid.Read →
Key-Person Disability Insurance in Canada: When You Need ItKey-person disability insurance protects your Alberta business when a key employee or owner can't work. Learn how it's structured, priced, and when it makes sense.Read →
Buy-Sell Agreements
How to fund a business ownership transition when a partner dies, is disabled, or exits.
How Does Buy-Sell Insurance Work in Canada?A plain-English guide to how buy-sell insurance funds an Alberta business buyout when an owner dies or becomes disabled — structures, tax, and what to ask.Read →
How to Fund a Buy-Sell Agreement with Life InsuranceA plain-English guide for Alberta business owners: how life insurance funds a buy-sell agreement, criss-cross vs. corporate structures, and what to size it to.Read →
Buy-Sell vs Key-Person Insurance: What's the Difference?Buy-sell and key-person insurance both protect an Alberta business, but they solve different problems. Here's how each works and when you need which.Read →
Can Disability Trigger a Buy-Sell Agreement in Canada?Yes — a disability trigger buy-sell agreement in Canada lets co-owners buy out a partner who can no longer work. Here's how it's structured and funded.Read →
Corporate-Owned Life Insurance
Using the corporation to own and pay for life insurance on owners and key people.
Corporate-Owned Life Insurance in Canada: How It WorksHow corporate-owned life insurance (COLI) works in Canada: who owns the policy, where the death benefit goes, and how the capital dividend account fits in.Read →
Benefits of Corporate-Owned Life Insurance for a Business OwnerHow corporate-owned life insurance works in Canada, the real benefits for Alberta business owners, and the mistakes that cost money before you sign.Read →
Critical Illness & Disability for Owners
CI and DI coverage designed for self-employed owners, not salaried employees.
Critical Illness Insurance for Business Owners in CanadaHow critical illness insurance works for Canadian business owners: what it covers, how it differs from life and disability, and how to size it.Read →
Disability Insurance for Self-Employed Alberta OwnersThe disability insurance options Alberta business owners actually have — personal DI, business overhead expense, and key-person DI, explained plainly.Read →
What Is Business Overhead Expense (BOE) Insurance?Business overhead expense insurance in Alberta reimburses fixed costs like rent and payroll if you're disabled. Learn who needs BOE and how it works.Read →
Business Protection Planning
How to think about the right mix of coverages for your business and ownership structure.
Business Owner Protection Review Canada: What It CoversA business owner protection review maps what your company loses if a key person dies or is disabled — and how to fund it. Here's what it covers in Alberta.Read →
Group Benefits vs Business Owner Protection: Buy First?Group benefits vs business owner protection for Alberta companies: which to buy first, how they differ, and how to sequence both without overpaying.Read →
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