• INSURANCE PLANNING
Insurance Planning That Protects More Than
Just Your Income.
Insurance Planning Insurance Planning That Protects More Than Just Your Income. At Zada, insurance isn't a product. It's part of a larger financial strategy designed to protect your family, your business, your lifestyle, and your long-term goals.
• THE ZADA DIFFERENCE
Most people buy insurance
reactively. We help clients
structure it proactively.
Whether you're protecting income, creating tax-efficient wealth, covering
business liabilities, preserving an estate, or making sure your family can maintain
their lifestyle — our role is to build a coordinated protection strategy that evolves
with your life.
• LIFE INSURANCE
• DISABILITY INSURANCE
• CRITICAL ILLNESS
• TRAVEL INSURANCE
• 01 · LIFE INSURANCE
Life insurance is about more than replacing income.
When structured properly, it does far more — and the right structure depends entirely on what you're trying to accomplish.
Protect your family and dependents
Cover taxes and liabilities at death
Fund buy-sell agreements between business partners
Preserve estates and family assets
Create liquidity during difficult times
Support charitable giving and build long-term wealth
/ POLICY TYPES WE COORDINATE
Term Insurance
Affordable, time-bound, income protection.
Whole Life
Permanent, dividend-eligible, cash-value growth.
Universal Life
Permanent with flexible premium & investment design.
Corporate-Owned
Tax-efficient strategies through your corporation.
• / 02 · DISABILITY INSURANCE
A serious illness doesn't only impact health — it impacts finances.
A long-term illness or injury can derail retirement plans, mortgage payments, business operations, and family stability. We help clients evaluate coverage so it actually performs when needed.
Own vs. any occupation
Definitions matter enormously at claim time.
Group vs. individual
Most group coverage has critical gaps.
Tax treatment
Premium source determines benefit taxation.
Business overhead
Keep your business running during recovery.
• / 03 · CRITICAL ILLNESS
A serious illness doesn't only impact health — it impacts finances.
Critical illness insurance provides a tax-free lump sum upon diagnosis of covered conditions — cancer, heart attack, stroke, MS, Parkinson's, and many others. Funds you can use for anything.
• / 03 · CRITICAL ILLNESS
• / 03 · CRITICAL ILLNESS
• / 03 · CRITICAL ILLNESS
• / 03 · CRITICAL ILLNESS
• OUR PROCESS
A strategic approach to financial planning.
Your financial plan should do more than track investments. It should answer the questions that actually shape the next 30 years of your life.
How much can you safely spend in retirement?
When should you start CPP and OAS?
What happens if markets decline or inflation rises?
Retirement Income Planning
Sequenced drawdowns from registered, non-registered, and corporate accounts to maximize sustainability.
Tax Minimization
Lifetime tax modelling, OAS clawback avoidance, and income-splitting opportunities.
Estate Planning
Coordinate beneficiaries, holding companies, and insurance to pass wealth efficiently.
Investment Coordination
Align portfolios with your real time horizon, withdrawal plan, and risk reality.
Risk Management
Insurance, cash buffers, and contingency planning sized to your real exposures.
Scenario Analysis
"What if" stress tests for market drops, longevity, inflation, and life changes.
• WHO THIS IS FOR
Built for the people who've already done the hard part.
This planning process is ideal for individuals and families who've accumulated meaningful assets and want clarity, not generic advice.
Business Owners
Incorporated professionals managing personal and corporate wealth.
Retirees
Approaching or already in retirement with significant registered assets.
High-Income Business Owners
Doctors, lawyers, executives looking to reduce taxes legally and efficiently.
Families with Assets
Multi-generational planning with clarity around estate strategy.
• THE COST OF NOT PLANNING
The hidden risks of poor distribution planning.
Many people focus entirely on growing wealth while overlooking what happens next. Strategic planning is not an expense — it is an investment in preserving the wealth you've already built.
01
Tax inefficiency can quietly erode wealth over time — sometimes hundreds of thousands across a lifetime.
02
Poor withdrawal sequencing can reduce retirement sustainability and force unwanted lifestyle changes.
03
Lack of estate planning can create avoidable tax burdens — and conflict — for your heirs.
04
Delaying planning often limits future options and forecloses on strategies that take years to set up.
• COMPLIMENTARY DISCOVERY
If you want clarity around retirement, taxes, income, or legacy — the first step is a conversation.
During your complimentary discovery meeting, we'll review your current financial structure, key risks and opportunities, potential tax-saving strategies, and whether a comprehensive engagement makes sense for you.