For business owners —the company is the plan. Protect it like one.
Your business is your income, your retirement, and your family's inheritance rolled into one asset. Tanya builds the insurance layer that protects all three at once — with corporate dollars, wherever the structure allows.
Everything depends on one balance sheet.
Business owners concentrate risk in ways employees never do. Your income depends on the company; the company often depends on you; and your family's future depends on both. Insurance planning for owners isn't about a policy — it's about deciding, in advance, what happens to each of those dependencies on the worst day.
Ownership also gives you tools employees don’t have. Corporate dollars — typically taxed at lower rates than personal income — can fund coverage more efficiently. Corporately owned permanent policies may create Capital Dividend Account credits at death, potentially allowing tax-free capital dividends to your estate, subject to CRA rules.
The planning stack usually runs in this order: protect the people the business can't function without; fund the shareholders' agreement so the buyout is a certainty instead of a negotiation; pre-fund the tax bill your shares will create at death; and finally, use the corporate structure to move surplus toward your family efficiently.
Tanya has spent her independent career on exactly this ground — and she builds every owner strategy with your accountant and lawyer at the table, because a plan the whole advisory team designed is a plan that actually gets implemented.
Four layers of protection, in the right order.
Key person coverage
Capital that arrives when a founder, rainmaker, or irreplaceable operator dies — stabilizing payroll, lenders, and customers while the company adapts.
Funded buy-sell
Insurance on each shareholder guarantees the buyout capital your agreement promises — the survivor keeps the company; the family receives full value.
Share liability funding
Your shares are likely your estate's biggest tax event. Permanent coverage sized to the projection pays the CRA without touching the business.
Corporate wealth transfer
Corporately owned permanent policies may route proceeds through the Capital Dividend Account — moving surplus to your family tax-efficiently, subject to CRA rules.
Three gaps Tanya finds in most owner plans.
The unfunded agreement
A buy-sell that names a price but not a funding source. It works beautifully until the day it's needed.
Personal-only coverage
Owners paying premiums with expensive personal dollars while an efficient corporate structure sits unused.
The forgotten tax bill
Decades of retained earnings and share growth — and no liquidity plan for the deemed disposition those shares trigger at death.
Most owners in Grande Prairie, Calgary, Vancouver, and Toronto haven't made these mistakes on purpose — they've simply never had one advisor look at the insurance, the corporation, and the estate as a single system.
Owners Tanya builds for.
The solo incorporated operator
One shareholder, one family, one company that stops without her. The plan: corporately funded permanent coverage for the estate, CI protection for the living risk, and a CDA structure that eventually moves surplus home tax-efficiently.
The partnership
Two or three shareholders and a handshake understanding. The plan: a funded buy-sell with corporately owned policies, valuation logic agreed in daylight, and proceeds routed to complete the buyout without debt.
The family operating company
Founder in his sixties, one child in the business, two out. The plan: succession funding that pays the founder's tax bill, equalizes the non-successor children, and hands over a company — not a mortgage on one.
The growth-stage founder
Revenue climbing, lenders involved, everything reinvested. The plan: key person and CI coverage that keeps the banks calm, convertible term where budget demands it, and a structure ready to grow into permanence.
Owner insurance planning, answered plainly.
Should my policies be personal or corporate?+
How much key person coverage does a business need?+
What does a funded buy-sell actually look like?+
I'm reinvesting everything — can I start small?+
Will Tanya work with my accountant directly?+
Owner-focused advice, across three provinces.
Tanya serves business owners throughout Alberta — including Grande Prairie, Edmonton, Calgary, Red Deer, and Lethbridge — across British Columbia, including Vancouver, Surrey, Kelowna, and Kamloops, and throughout Ontario, including Toronto, Ottawa, Mississauga, Hamilton, and Kitchener-Waterloo.
Protect the asset everything else depends on.
One conversation about your company, your structure, and the three gaps most owner plans hide.