Corporate Insurance Planning
Core Service — Ideal for business owners with corporations, real estate, and stable revenue
Corporate-Owned Life Insurance (COLI)
Use corporate funds to purchase insurance, enjoy tax benefits while providing dual protection for business and family.
Participating Whole Life Insurance
Stable growth insurance products combining protection and investment, ideal for long-term wealth planning.
Immediate Financing Arrangement (IFA)
Leverage policy cash value for tax-free loans to fund retirement income or business capital needs.
CDA Tax-Free Transfer
Utilize the Capital Dividend Account (CDA) to transfer death benefits tax-free to the next generation.
Corporate Structure & Tax Strategy
Optimize corporate structure to maximize tax efficiency
Holdco / Opco Design
Establish holding and operating company separation for asset protection and tax optimization.
Salary vs Dividend Strategy
Develop optimal income extraction methods based on individual circumstances, balancing tax burden and benefits.
Corporate Surplus Reinvestment
Plan retained earnings investment direction to maximize after-tax returns.
IPP Retirement Planning
Build higher retirement savings limits for business owners through Individual Pension Plans (IPP).
Wealth Transfer & Estate Planning
Ensure smooth wealth transfer to the next generation
Family Trust + Insurance
Combine trust structures with insurance tools for asset protection and orderly succession.
Estate Freeze Strategies
Lock current asset values and transfer future growth to the next generation, reducing estate tax burden.
Asset & Equity Transfer Design
Develop clear succession plans to ensure smooth transition of family business and assets.
Personal & Family Protection
Comprehensive protection for you and your family's health and future
Critical Illness Insurance
Lump-sum payment upon diagnosis, providing adequate funds for major illness treatment.
Term Life Insurance
Cost-effective life protection ensuring risk coverage for family breadwinners.
Children's Protection & Education Fund
Long-term planning for children's healthy growth and education investment.
Health & Accident Coverage
Supplementary medical insurance covering daily healthcare and accident risks.