You already know your two options. Neither one is working.
Take it out as a dividend? Taxed. Bump your salary? Already maxed. So the money sits inside the corporation. And the sitting has a price.
Dividends and salary
Both taxed on the way out. For most successful owners, both routes are already stretched as far as they sensibly go. You know this. Your accountant knows this.
Investing inside the corp
Passive investment income inside a corporation can be taxed at over 50%. Half the growth, gone before it compounds. Growth gets ground down year after year.
Doing nothing
The surplus earns a little interest, gets taxed, and quietly loses ground. Doing nothing is also a decision. It is just the one nobody remembers making.
If there's a third option, why hasn't my accountant mentioned it?
Fair question. Here's the honest answer. Your accountant handles compliance. Filing, payroll, keeping the CRA happy. They're good at it, and you should keep them. But tax strategy using insurance sits where two worlds meet: tax planning on one side, insurance structure on the other. It's a different set of tools. It's not what they do, so it never gets done. When you work with Dan, your accountant stays in the loop the whole way. They handle their piece. He handles his.
What do some of the wealthiest families in Canada know about the tax code that you don't?
It's called corporate-owned life insurance. Before you switch off, hear Dan out. This is not about death benefits. It's a way to take corporate dollars, grow them tax-free inside a properly structured policy, and access them while you're alive.
No passive income tax eating the growth. No surprise tax bill for your family. You keep liquidity, access, and control of your money.
Some of the wealthiest families and business owners in Canada use it. The CRA knows about it. It's not a loophole, and it's not aggressive. It simply uses the tax code as it's written, to your advantage. You just don't hear about it, because it's a specialised area most advisors don't handle.
The call is free. The information is yours to keep either way.
Which side of this list are you on?
A strong fit if you:
- Own an incorporated Canadian business that's been profitable for years
- Keep $100,000 or more a year in retained earnings, or have a larger surplus built up
- Want your corporate dollars working harder than a taxed savings account
- Have buy/sell agreements or succession on your mind
- Still run the business yourself, day to day
- Want your family to inherit the business, not the tax bill
Not the right fit if you:
- Aren't incorporated
- Are looking for a quick win rather than a long-term structure
- Would rather just pay the tax and keep things simple
- Haven't been incorporated and profitable for at least five years
The call is free. The information is yours to keep either way.
Your accountant keeps score. Your lawyer builds the structure. Who's playing defence?
Every business owner has a team. Almost nobody has the person who sees the threat before it hits, and makes sure one preventable loss doesn't undo ten years of work. That's the position Dan has played for 28 years, exclusively for incorporated business owners. Lawyers, contractors, agency owners, consultants. People who built something and want a better way to protect it.
"I don't try to score goals. I make sure you don't lose the game to something preventable. Just like a goalie, I'm your last line of defence."
The questions everyone asks first.
Short answers here. Dan answers all of these on camera after you book.
What is corporate-owned life insurance?
Simply put, it's an insurance policy owned and paid for by your corporation. But it's not really about the insurance. It's about creating a place inside your corporation where money can grow without being taxed every year. Investments inside a corporation can be taxed at over 50%. Inside a properly structured policy, the growth is tax-free, and there are ways to access the money while you're alive.
How does this work with my accountant?
Your accountant handles your filings and day-to-day tax work. Dan focuses on the spot where tax planning and insurance meet. When you work together, your accountant stays in the loop. It's a team approach: they handle their piece, Dan handles his.
How much do I need in my corporation?
Dan works with owners who keep at least $100,000 a year in retained earnings, or a larger surplus that's built up over time. The strategy works best when corporate dollars are sitting there earning interest, being taxed, and not being put to work properly.
This sounds too good to be true.
A fair reaction. Corporate-owned life insurance has been part of the Canadian tax code for decades, and some of the wealthiest families and business owners in Canada use it. The CRA knows about it. It's not a loophole and it's not aggressive. It simply uses the tax code as it's written. You don't hear about it because it's a specialised area most advisors don't handle.
What if I need the money before I retire?
The money isn't locked away until you pass. With the right structure, the policy can be used as collateral for a loan. You use the money however you want, and the loan is settled by the benefit later. You keep liquidity, access and control now, and your family still receives the tax-free payout down the road.
What does it cost to find out?
There's no cost for the initial conversation, and Dan is compensated by the insurance carrier when a policy is placed, not by you. Either way, you walk away knowing more than you did before.
What do your numbers actually look like?
This call is for incorporated owners keeping six figures a year inside the corporation.
There's one way to find out, and it costs you 30 minutes. No pressure, no sales pitch. If this makes sense for your situation, you'll dig into your numbers together. If it doesn't, Dan will tell you straight, and you'll still walk away knowing more about your own corporation than you did this morning.
The call is free. Dan takes on a limited number of new clients each year, so his calendar, not a countdown timer, is the only urgency here.