Protect Your Assets

While your unique circumstances may require the expert advice of a TD Waterhouse insurance specialist¹, our overview of some typical business stages², 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.

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The Early Years

When 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 Years

With 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 Years

The 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 Guide

This convenient chart summarizes the three main business stages and the insurance strategies that may be appropriate for each stage.

Get chart

Take the next step

For more information, please call your TD Waterhouse Advisor for a referral.

¹TD Waterhouse insurance specialist refers to a Life Licensed Estate Planning Advisor and/or a Life Licensed Investment Advisor. All life insurance licensed agents are agents of TD Waterhouse Insurance Services Inc.

²The business stages and strategies identified are presented for illustration purposes only and are not intended to reflect the full range of stages or strategies available to customers. These examples are intended to assist customers in identifying their needs. Particular insurance strategies should be evaluated relative to each individual's objectives and in consultation with a TD Waterhouse Life Licensed Estate Planning Advisor and/or a TD Waterhouse Life Licensed Investment Advisor. All life insurance licensed agents are agents of TD Waterhouse Insurance Services Inc.