Group Benefits & Business Protection
Group benefits, HSA/WSA, overhead protection and ownership continuity for solo corporations, employers, startups and established businesses.
Alberta · Ontario · British Columbia
Your corporation can own more of your protection
Review personal income needs and corporate-owned coverage together, without assuming a tax advantage.
Is this you? An incorporated doctor, dentist, lawyer or engineer. We separate personal and corporate dollars, review how an income disruption affects both, and compare ownership and beneficiary arrangements with your tax advisor involved.
The Risk Assessment is a free educational questionnaire about your income, existing protection, business and planning priorities. It adapts to your answers: 15–19 questions, with no medical questions. Allow about 5 minutes (estimated; take longer if you need).
You'll get your score and a call offer, not a sales pitch. The current Calendly session is 60 minutes.
Free · about 5 minutes · no medical questions · you get a Protection Score and a call offer, not a sales pitch.
Your tax advisor stays involved
We review policy ownership, who pays the premium, who receives any benefit and what happens if you cannot work. Your accountant or tax advisor confirms the implications for your own corporation before implementation. Corporate ownership is not a promise of deductibility, tax savings or a better outcome.
General information only; not tax, legal or investment advice.
Where your plan can be exposed
- Income disruption can affect your household even when the corporation has cash reserves.
- Corporate-owned coverage and personally owned coverage serve different needs; neither automatically replaces the other.
- Who pays, who owns the policy and who receives a benefit must be clear before choosing between personal and corporate dollars.
A clear, three-step review
- 01
Map personal income, corporate cash flow, obligations and existing plans.
- 02
Compare HSA/WSA, living-benefit and planning options across suitable providers.
- 03
Coordinate individual tax or legal questions with your accountant or lawyer before implementation.
Coverage areas to explore
Income & Living Benefits
Critical illness, disability, hospitalization and life protection built around the income your household or business depends on.
Risk & Retirement Advisory
A structured review of retirement, cash flow, debt, registered savings and protection for complex family or business situations.
Questions and answers
Can a solo incorporated professional have an HSA or WSA?
Options may be available without a traditional employee group. Eligibility, reasonable plan design and tax treatment depend on the structure and should be confirmed with your accountant.
Can corporate and personal protection be reviewed together?
Yes. A coordinated review can separate personal income needs, eligible business expenses and longer-term corporate priorities.
Next step
See where your protection and planning gaps may be
Coverage is subject to underwriting, policy terms and carrier approval. General information only, not financial, tax or legal advice.
Shashank Gupta · Founder & Principal Advisor
LLQP-qualified, Licensed Life and Health Advisor in Alberta, Ontario and British Columbia
Prefer to talk? Book a Risk Audit session with Shashank
Skip the assessment and start with a conversation about your priorities. Educational, no obligation to apply for coverage.
General information only; not tax, legal or investment advice.