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+1 (289) 815-0101
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205-2150 Winston Park Dr Oakville, ON L6H 5V1
FAQs
faqs
Most Popular Questions
Get clear answers to the questions that matter most about your protection and financial
growth.
General FAQs
What kinds of insurance solutions do you provide?
We cover the full spectrum: corporate-owned life insurance (CDA strategies), personal and family life insurance, commercial/business coverage, group benefits, estate and legacy planning, and specialized programs for churches and nonprofits.
Who can benefit from working with you?
Families who want peace of mind, professionals and business owners who want to grow and transfer wealth tax-free, and organizations—from small businesses to churches—that need tailored protection.
How do you make sure I get the best coverage and value?
We’re independent brokers, not tied to one insurer. That means we shop the market (and all church-specific insurers) to secure the best rates, coverage, and perks—and if your current policy is already best, we’ll tell you to keep it.
Why is insurance important for both protection and long-term financial growth?
Because the right plan does two things: protects what you have today and builds tax-free wealth for tomorrow. We do this by pairing protection with cash-value strategies—like corporate-owned whole life that funds the CDA—so your dollars grow predictably, stay accessible tax-free, and pass on tax-free.
Church Insurance – Frequently Asked Questions
What types of insurance does a church really need?
At minimum, every church should have:
- Building & Property Insurance (fire, storm, vandalism)
- Directors & Officers (D&O) Insurance (protects board members from personal liability)
- Abuse Liability Insurance (financial and reputational protection—even against false claims)
Why can’t churches go directly to insurance companies?
Specialized church insurers like Ecclesiastical, NorthBridge, and Wynward only work through brokers. That means churches can’t buy coverage directly. Working with us ensures access to all options, the best rates, and coverage designed specifically for faith-based institutions.
What makes the Coptic Church Insurance Program unique?
It’s the only program of its kind in Canada—developed with the Coptic Orthodox Church and leading insurers. Exclusive benefits include:
✔ 4% negotiated savings
✔ No service charges on monthly payments
✔ A free 1-800 support line (HR, family counseling, abuse prevention)
✔ Guaranteed access to all three church insurers for best rates and coverage
Capital Dividend Account (CDA) – Frequently Asked Questions
Can life insurance really build wealth—not just protect it?
Yes. With corporate-owned whole life insurance, your retained earnings grow tax-free inside the company. You can access that money at any time—tax-free—for needs or new opportunities. And when the time comes, you can pass it on to your family tax-free through the CDA. It’s the only tool that lets you grow, use, and transfer wealth tax-free—with full control.
What exactly is the Capital Dividend Account (CDA)?
The CDA is a special account tracked by the CRA that lets your corporation pay money to shareholders 100% tax-free. The only reliable way to create CDA credit is with a corporate- owned whole life insurance policy. When the policy pays out, the proceeds go into the CDA—and from there, they flow to your family without personal tax. It’s the legal door out of your corporation, tax-free.
Why is this the most tax-efficient tool for incorporated business owners?
Because it wipes out multiple layers of tax at once. Salary, dividends, and investments all shrink when pulled out of a corporation. A CDA strategy lets you buy with corporate dollars, grow tax- free, access funds tax-free while alive, and pass them on tax-free at death—eliminating three or four layers of taxation in one move.
Ready to Protect What Matters Most?
Get clear, tailored insurance advice for your family, your business, or your church/community.