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
If you sold or stepped back, who or what covers the gaps?
Is this you? A business owner thinking about stepping back in the next 3 to 10 years.
Most owners start planning a sale or succession 3 to 10 years out. That window is when protection gaps are easiest to address.
For owners approaching a sale, succession or retirement, Vital Shield reviews continuity, estate, retirement-income and ownership-funding considerations as one connected planning conversation.
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.
A planning conversation, not a sale
Most owners begin exit or succession planning 3 to 10 years before they step back. Our first conversation is about your timeline, your successor and your family, not about selling you a product. Legal and tax decisions stay with your lawyer and accountant.
Where your plan can be exposed
- Succession: without a clear successor and plan, the business may lose value if you step back early or suddenly.
- Buy-sell funding: an ownership agreement may have no current funding behind it if a partner dies or becomes disabled.
- Key-person risk: if you or a key leader is off work before the exit, revenue and the sale price can be affected.
A clear, three-step review
- 01
Clarify the intended exit, timeline, ownership structure and family priorities.
- 02
Identify protection, succession, retirement and estate gaps that need specialist input.
- 03
Coordinate suitable solutions with your accountant, lawyer and other licensed professionals.
Coverage areas to explore
Risk & Retirement Advisory
A structured review of retirement, cash flow, debt, registered savings and protection for complex family or business situations.
Estate, Legacy & Wealth
Life insurance, estate-document support, education savings and wealth considerations shaped around the people and plans that matter to you.
Questions and answers
Where should an owner start before selling a business?
Start by clarifying the timeline, valuation approach, ownership agreement, retirement needs and what happens if the owner cannot complete the transition.
Does insurance replace legal or tax planning?
No. Insurance may provide liquidity, but legal agreements and individual tax decisions require qualified legal and tax advice.
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.