Commercial Lines


Syncrude01

Solutions  for your business:

 

  • Buy-Sell Life Insurance
    • A Buy-Sell agreement ensures that money is available to buy a deceased partner’s share of the business, using life insurance as the vehicle to fund this purchase. Read more…
  • Key Person Insurance
    • Protect the continuity of your business against the loss of a key employee or owner. Read more…
  • Disability Buy-Out Plans
    • Disability Buy-Out Coverage funds a disability buy-out agreement between business owners if a total disability forces one of the owners to stop working. It is designed to reimburse the buyers of a business for the cost of purchasing the disabled Insured’s interest in the business. Read more…
  • Office Overhead Coverage
    • Can your business survive if you have an accident or an illness that leaves you unable to work? It can with the protection of monthly benefits designed to cover your day-to-day expenses. Read more…
  • Tax-Effective Retirement
    • Once you have accumulated your retirement resources we will help you plan the most tax-effective income stream. Read more…
  • Succession Planning
    • The question of who will own the business after the current owner or owners leave is rarely simple. Whether it is passed down within the family, transferred to non-family managers or sold to an outside purchaser, this decision should be based on more than a tax-saving strategy. We can help you examine and evaluate your options and consider how to structure a transaction that meets everyone’s needs. Read more…

 

Protection for your employees:

 

  • Health and Dental Plans
    • One major factor in giving employees a sense of security and satisfaction is a solid benefits plan. When they don’t have to worry about medical expenses, or financial protection against a disability, they can focus on their work. Read more…
  • Health Spending Accounts
    • A Health Spending Account is an easy way to offer choice and self-service to plan members. Your plan members have the flexibility to allocate benefit credits to specific areas of eligible health care that meet their needs. And they can cover these eligible expenses using before-tax Health Spending Account credits rather than their own after-tax dollars. Read more…
  • Life, Disability, and Critical Illness Insurance
    • Insurance offers protection from the unexpected. With a Group Benefits Plan that includes Life Insurance, Disability Insurance, and Critical Illness Insurance, employers can help their employees gain security through life’s most difficult times. Read more…
  • Employee Assistance Programs
    • A healthy lifestyle impacts every part of your day-to-day work environment. Corporate Wellness Programs translate into fewer injuries, less human error, and a more harmonious office environment. They also let you know that your organization is concerned about your general health and well-being. Read more…
  • Group RRSPs and Pensions
    • This is an employer-sponsored savings program, approved by the Canada Customs & Revenue Agency, that permits tax deferred saving for retirement purposes. Contributions to a RRSP are tax deductible, and earnings on contributions are sheltered from taxes until they are withdrawn. Employers may wish to enhance the value they provide to employees by offering a Group RRSP in addition to, or in the place of a Group Pension Plan. Read more…