Business insurance that adds peace of mind to your bottom line

Corporate life insurance, term insurance & more

Fleury Financial has offered knowledgeable corporate life insurance advice for businesses in the Toronto area for over 45 years. Time and again, the company’s proven insights and hands-on approach has helped clients make the right financial decisions for greater corporate peace of mind.

Corporate Life Insurance

While one of the most common reasons to purchase corporate life insurance is to provide tax-free dollars to loved ones, corporate financial needs can also play a dominant role. For example, in a business situation corporate life insurance proceeds can be used to buy out a partner or to help bring in a “key” individual to continue and run/operate the company.

At Fleury Financial, we understand that your business and insurance needs are unique to you and your company. We work with you to identify your needs, and offer a variety of products highlighting the advantages of each insurance approach. We also solicit the insurance market for the best rates and the most comprehensive packages. Our bottom line is to ensure you have a clear and concise understanding of all the different programs available and help you to determine the right choices for you.

Whole Life Insurance

Whole life insurance provides guaranteed level premiums and guaranteed insurance coverage for life. There is a guaranteed cash value as well as paid-up features. The level premium is higher than initial term insurance premiums, but this higher premium contributes towards a significant tax-deferred savings component.

Term Insurance

Term insurance is designed to meet your short-term needs. We shop the insurance market for the most competitive and affordable term insurance products. These products will address your individual short-term goals while offering you the flexibility to expand your coverage as your needs change. Term insurance is less expensive when you first purchase the plan, and becomes much more costly as the years go by. Term insurance is generally purchased for a short-term need such as a 20-year mortgage, or in a partnership buy-out situation. This type of policy normally terminates prior to the insured passing away.

Universal Life Insurance

Universal life insurance is a permanent insurance plan with a possible investment component at the end. Our universal life insurance solutions meet your life insurance needs while providing you with the potential for tax-free growth. It has a separate identifiable savings component. However, the funds are not guaranteed and are based on several investment options and varying rates of return.

Have more questions about our insurance solutions that span generations? Visit our FAQ section or contact us to arrange a personal investment consultation.