The Corporate Wealth Shield™ is a structured framework that uses tax-efficient insurance strategies to protect your corporate wealth, reduce what you pay the CRA, and build a tax-advantaged retirement — all inside your existing corporation.
Most incorporated Canadian business owners have an accountant, a financial advisor, and possibly a lawyer. And yet the single most tax-efficient wealth-building strategy available to them — corporate-owned life insurance — never comes up.
Not because it doesn't work. Because accountants aren't insurance advisors, financial advisors often don't understand the corporate tax code deeply enough to structure it correctly, and most insurance brokers don't specialize in business owners. The result: retained earnings sit in low-yield investments, getting taxed on the way out.
The Corporate Wealth Shield™ closes that gap.
The Corporate Wealth Shield™ is not a single product — it's a coordinated framework of four complementary strategies applied to your specific corporate structure. A Gap Analysis identifies which pillars are relevant to you.
Your corporation owns and pays for a permanent life insurance policy on a key person. The cash value grows inside the policy at a tax-sheltered rate — separate from passive income rules — and can be used as collateral for business financing or distributed tax-free through the Capital Dividend Account on death.
Your corporation funds a permanent insurance policy during your working years. At retirement, the accumulated cash value is used as collateral for bank loans, which are received tax-free and repaid from the death benefit. The result: a significant, tax-advantaged income stream funded with corporate dollars at a lower tax rate than personal withdrawal.
When a corporate-owned life insurance policy pays its death benefit, the excess above the policy's adjusted cost basis flows into the Capital Dividend Account — a notional account under s. 89(1) of the Income Tax Act. Amounts in the CDA can be distributed to shareholders as capital dividends, completely tax-free.
A legally binding agreement between business partners, funded by life insurance, that ensures the surviving partners can purchase the deceased's share at a pre-agreed value — without going to the bank, selling assets, or negotiating with a grieving family. The insurance benefit provides immediate liquidity at exactly the moment it's needed most.
A representative comparison for an Ontario CCPC at the top marginal rate. Your numbers will differ — but the structure of the gap doesn't.
Illustrative comparison. Actual results depend on age, health, policy structure, and corporate context. The Gap Analysis includes a personalized illustration with your numbers.
The Corporate Wealth Shield™ only makes sense for a specific type of client. We'd rather tell you upfront if it's not right for you than waste your time.
No long intake forms. No pushy sales calls. A structured process that gives you clarity before any decisions are made.
We review your corporate structure, retained earnings, tax situation, and current coverage. You leave with a clear picture of where you're exposed and what strategies apply to you — regardless of whether you move forward.
For clients where one or more pillars are a fit, we build an illustrated strategy with real numbers — projections, tax savings, cash value growth, and retirement income modelling specific to your corporation. Bring your accountant. We welcome it.
If you decide to proceed, we handle the application, underwriting, and carrier placement across 20+ Canadian insurers. You're not locked into a single company. We find the right structure from the right carrier for your situation.
“Coming from the financial space I needed advisors I can trust. Independent brokers have access to the most complete suite of products but I also wanted someone who can deal with more complex tax planning scenarios. Dundas has it all.”
“Fantastic experience with Dundas. The service provided was timely and saved me a significant amount on insurance. The whole process was seamless and professional. Highly recommend to any business owner.”
“Working with the team was a great experience. Transparent and genuine. They spent the time to understand my needs, put them first and then worked to provide options that were best suitable. I've recommended my family and friends.”
Three Canadian business owners. Three different structures. Same outcome — corporate wealth protected, six-figure tax exposure removed.
How we restructured retained earnings into COLI to side-step the passive income limit — without changing operations.
Read the case →COLI + holding company + family trust — combined to secure the business, retirement income, and family's future in a single structure.
Read the case →Used CDA + a funded buy-sell to clear debts tax-free and transfer wealth to family without selling assets.
Read the case →Most financial advisors know the names of these strategies. Few have the depth to structure them correctly for an incorporated Canadian business owner — or the carrier relationships to place them competitively.
If you're skeptical, good. You should be. Here's what most clients ask before the Gap Analysis.
Book your free 30-minute Gap Analysis. We'll review your corporate structure and show you which pillars of the Corporate Wealth Shield™ apply to your situation — even if you decide we're not the right fit.
Book Your Free Gap AnalysisFree 30-minute Gap Analysis · No fees · No obligation · Bring your accountant.