While your unique circumstances may require
the expert advice of a TD Waterhouse
insurance specialist, our overview of
some typical business stages, provided
below, will give you a better idea of how insurance strategies and
solutions may combine to provide you with a personalized insurance
portfolio designed to give you peace of mind at any given stage of
your financial life. Not all of the circumstances in each business stage need apply
in order for the strategies to be appropriate. The strategies shown
often apply to more than one business stage. The Early YearsWhen your business is starting out,
building a positive cash flow is crucial. It's important to protect
the business against the risk of individual disability, critical
illness or death. You also need to provide incentives to attract
and retain employee talent.
Strategy and
Insurance Portfolio The Established YearsWith the company established and cash flow
steady, the focus progresses to managing assets, maintaining growth
and ensuring key executives remain committed to the business.
Strategy and
Insurance Portfolio The Succession YearsThe successful, mature business typically
has steady cash flows, low debt ratios, well-managed assets and
executive retirement plans in place. In addition, owners are
concerned with equalizing their children's inheritance while
"giving back to the community."
Strategy and
Insurance Portfolio 
Business Insurance Strategies Reference GuideThis convenient chart summarizes the three
main business stages and the insurance strategies that may be
appropriate for each stage.
Get chart
Take the next stepFor more information please call your TD Waterhouse Advisor for a referral
or contact TD Waterhouse Insurance
Services at 1-866-757-2008. | 
