Every strategy, one standard:understoodbefore it's implemented.
From permanent life insurance to Capital Dividend Account planning, every service below follows Tanya's education-first approach — explained in plain language, tailored to your goals, and coordinated with your accountant, lawyer, and advisory team across Alberta, British Columbia, and Ontario.
Ten services. One integrated plan.
Permanent Life Insurance
Lifetime protection designed to safeguard your family, preserve your estate, and anchor long-term planning.
Whole Life Insurance
Permanent coverage that may build cash value over time — a planning tool for families, professionals, and corporations.
Corporate-Owned Life Insurance
Use corporate dollars more efficiently to protect business wealth and support estate transfer strategies.
Tax-Efficient Insurance Strategies
Structuring coverage with your tax picture in mind — always in coordination with your accountant.
Capital Dividend Account Strategies
How corporately held life insurance may allow proceeds to flow to shareholders tax-free through the CDA, subject to CRA rules.
Estate Planning With Life Insurance
Liquidity for taxes and costs, estate equalization, and more of your wealth reaching the people you choose.
Succession & Legacy Planning
A clear plan for transitioning your business and assets, protecting heirs, and preparing the next generation.
Critical Illness Insurance
A lump-sum benefit if you're diagnosed with a covered serious illness — with return-of-premium style options available on some policies.
Family Protection Planning
Life and health-event coverage designed to protect loved ones from sudden loss of income, illness, or death.
Business Owner Insurance Planning
Key person coverage, buy-sell funding, business continuity, and shareholder protection for corporations.
Three stages of a complete strategy.
Protect
The foundation. Making sure a death, illness, or loss of income can't undo what your family or business depends on.
- Permanent & whole life insurance
- Critical illness insurance
- Family protection planning
Optimize
Making coverage work harder — structuring policies around your corporation and tax picture with your professional team.
- Corporate-owned life insurance
- Tax-efficient strategies
- Capital Dividend Account planning
Transfer
Deciding — deliberately — how your wealth, business, and values pass to the next generation.
- Estate planning strategies
- Succession planning
- Legacy planning
Not sure which service fits? Start with who you are.
I own a business or corporation
Your corporate structure opens planning opportunities most people never access — and risks most people never face. Start with corporate-owned coverage and CDA planning.
I'm protecting a family
Income replacement, mortgage protection, and a safety net if serious illness strikes — clear coverage without jargon or oversell.
I'm planning my estate
Estate costs, taxes, and delays can erode what you leave behind. Insurance can create the liquidity your estate needs, when it needs it.
I'm an incorporated professional
Doctors, dentists, lawyers, accountants, realtors, consultants — your corporation can hold coverage in ways worth understanding.
Not sure where to start? That's what the first call is for.
Tell Tanya about your family, your business, and your goals — she'll tell you honestly which strategies are worth exploring, and which aren't.