• INSURANCE PLANNING
Insurance Planning That Protects More Than
Just Your Income.
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.
• Time away from work
• Private treatment options
• Cover household expenses
• Protect business operations
• Caregiving support
• Reduce financial stress
/ COVERED CONDITIONS (PARTIAL)
Cancer
Heart Attack
Stroke
Multiple Sclerosis
Parkinson's Disease
+ Many More
Tax-free lump sum on diagnosis.
Spend it however your situation demands.
• 04 · TRAVEL INSURANCE
Travel should create memories — not financial risk.
Whether travelling for business, leisure, or extended stays abroad, unexpected medical emergencies can create significant exposure outside of Canada.
Emergency medical coverage
Trip cancellation and interruption insurance
Snowbird and multi-trip annual plans
Visitor-to-Canada and pre-existing condition coverage
• / 05 · BUSINESS INSURANCE
Business owners face unique risks that personal insurance alone cannot solve.
The right structure protects business continuity while improving tax efficiency.
Key person insurance
Shareholder protection
Business loan protection
Health & dental plans
Buy-sell funding
Corporate-owned life
Executive benefits
Health Spending Accounts
• WHY CLIENTS WORK WITH ZADA
Education before
implementation. Always.
Insurance planning is integrated into a broader financial strategy. We believe
clients deserve clarity, not pressure.
Education-first
You understand the structure before any paperwork.
Long-term relationships
Not transactional sales — partnerships that adapt with your life.
Integrated planning
Coordinate insurance, tax, estate, and financial planning.
No-pressure guidance
Clear explanations. Tailored solutions. Your timeline.
• DISCOVERY MEETING
Insurance should support your financial plan — not operate separately from it.
Review existing coverage, identify gaps, explore tax-efficient strategies, and coordinate insurance with your broader financial and estate planning.