Insurance, Business & Estate Planning

Business Insurance

Protect your people. Protect your profits.

Running a business is risky enough — you shouldn’t have to gamble on what happens if a key person gets sick, passes away, or decides it’s time to sell. Business insurance gives you a way to safeguard your company’s future without spreadsheets full of maybes.

We Help With:

Key Person Insurance – Protect your company from the financial impact of losing a key executive, founder, or rainmaker
Buy-Sell Funding – Make sure ownership transitions are smooth, fair, and properly funded
Shareholder Protection – Keep business shares in the right hands if something unexpected happens
Loan Protection – Cover your liabilities in the event of death or disability of a guarantor
Business Succession – Ensure a clear, tax-efficient transition of ownership

Why It Matters

You insure your office and your vehicles — but what about your leadership? What about your business partner? What happens if one of you is suddenly gone?

We help you set up the right protection, with the right structure, so there are no ugly surprises when life throws a curveball.

Estate Planning

Build it. Protect it. Pass it on.

You’ve worked hard to build something meaningful — whether that’s a business, a portfolio, or a legacy for your family. Estate planning makes sure it all ends up where it’s supposed to, without the taxman taking a victory lap on the way out.

At Oakway Financial, we help you create, preserve, and pass on your estate in the most efficient way possible — with a smart mix of insurance, tax strategies, and legal structure.

What We Help With

Estate Creation – Using insurance to instantly create liquidity for your heirs
Estate Preservation – Minimizing taxes and probate to keep more in the family
Trust Planning – Structuring control and protection for your beneficiaries
Tax-Deferred Growth – Maximizing the long-term value of your assets
Succession Planning – Making sure your business or real estate transfers smoothly

Common Problems We Solve

“I don’t want my family forced to sell assets just to pay tax.”
“I want to treat my kids fairly — but not necessarily equally.”
“What happens if tax laws change?”
“I don’t want a nightmare for my executor.”
“My will and insurance are out of date. Or... missing entirely.”

If you want a plan that protects both your assets and your family peace, we can help.

Family Insurance Planning

Because life doesn’t always go according to plan.

Whether you’re building a young family or planning your legacy, life insurance isn’t just about death — it’s about security, flexibility, and protecting the people you care about no matter what happens.

We help families across Canada make sense of what kind of insurance they actually need — and how to make it work with the rest of their financial picture.

What We Cover

Life Insurance (Term & Permanent) – Coverage tailored to your life stage and goals
Disability & Critical Illness – Income protection when health gets in the way
Children’s Insurance – Low-cost coverage with long-term value
Joint and Last-to-Die Policies – Efficient tools for estate planning and tax savings
Integrated Wealth Strategies – Using insurance to grow and preserve wealth tax-efficiently

Typical Challenges We Solve

“How much insurance do I actually need?”
“Should I keep renting my term policy or build equity in a permanent plan?”
“What’s the most tax-smart way to leave money to my kids or grandkids?”
“Can I use insurance to protect my business and my family?”
“I’ve had a policy for years — is it still doing what it should?”

You don’t need to be an expert in actuarial tables. You just need a guide who knows how to match the right coverage to your goals. That’s where we come in.