Questions everyone asks —answered the way Tanya actually talks.

Tanya isn't employed by any insurance company. She's licensed to compare and place coverage across Canada's major insurers, and her recommendations follow your numbers — not a house shelf or a sales quota. When a cheaper structure serves you better, saying so is the job.

By the insurer, through standard industry compensation, if and when you place coverage — consultations and advice cost you nothing directly. The economics are disclosed plainly, and they never change which product wins the comparison.

No. Tanya is licensed in Alberta, British Columbia, and Ontario and serves all three provinces by video and phone, with in-person meetings available around Grande Prairie. Distance changes the coffee, not the advice.

She prefers it. Corporate, estate, and tax-adjacent strategies are designed with your professional advisors at the table — plans the whole team builds are the plans that get implemented correctly.

Term covers a set period at a low initial cost and then ends or renews expensively — ideal for temporary needs like mortgages and young families. Permanent covers your entire life, may build cash value, and anchors estate and legacy planning. Different jobs; many good plans employ both.

Built, not guessed: debts to retire, years of income to replace, education and goals to fund — minus what savings and existing coverage already handle. Tanya walks the arithmetic with you line by line until the number is genuinely yours.

Not always — simplified and non-medical products exist, and many fully underwritten policies now use fluidless or tele-interview processes depending on age and amount. Better underwriting generally buys better pricing, and Tanya matches the process to your profile.

Proceeds paid to a named beneficiary are generally received tax-free. Corporate-owned policies add rules — including the Capital Dividend Account mechanics — which is exactly where Tanya coordinates with your accountant. Individual circumstances should always be confirmed with a tax professional.

Because corporate dollars are usually taxed lighter than personal ones, funding premiums through the corporation can require less pre-tax income for the same coverage — and at death, proceeds may create Capital Dividend Account credits allowing tax-free capital dividends, subject to CRA rules. Structure decides everything, so it’s designed with your accountant.

A notional tax account private corporations use to track amounts received tax-free — including life insurance proceeds above the policy's adjusted cost basis. With a proper election, CDA balances can be paid to shareholders as tax-free capital dividends. It's the corridor that lets corporate insurance proceeds reach families efficiently, subject to CRA rules.

Generally no — with narrow exceptions such as certain collaterally assigned policies for qualifying loans. The advantage is the funding source (lighter-taxed corporate dollars), not a deduction. Your accountant confirms application to your situation.

Potentially. Passive investment income inside a corporation is taxed hard and can erode the small business deduction; exempt corporate-owned permanent insurance offers tax-advantaged growth within Income Tax Act limits plus an eventual CDA credit. Whether it beats the alternatives is a modelling question Tanya runs with your accountant's numbers.

At death, the CRA generally treats your capital property — portfolios, rentals, cottages, business shares — as sold at fair value, taxing the accrued gains on the final return. It's most estates' largest single expense, and pre-funding it with insurance is usually cheaper than paying it from the estate.

Proceeds paid to named beneficiaries generally bypass the estate — and therefore probate fees and delays on those amounts — in most circumstances, arriving privately and typically within weeks. Naming your estate as beneficiary forfeits that; it's a one-line designation worth getting deliberately right.

A lump-sum, generally tax-free benefit on diagnosis of a condition covered by your policy — commonly including life-threatening cancer, heart attack, and stroke, with comprehensive contracts covering twenty-five or more defined conditions — after any survival period the contract sets. Definitions vary by insurer, and the definitions are the product.

Frequently, yes — permanent coverage is regularly issued at older ages, particularly for estate-funding purposes where the economics compare against what the estate would otherwise lose. Underwriting is individual; the honest answer is a quote, not a rule.