Insurance & Risk Management
Protect What You've Built
Insurance and risk management is about identifying real vulnerabilities and closing the gaps that matter. At Diadem & Co., we connect you with licensed insurance brokers who assess your financial picture and recommend coverage suited to your income, business, family, and long-term goals.
01
Matched to Your Situation
Get connected with a licensed insurance broker who reviews your income, assets, corporate structure, and family obligations to recommend coverage suited to your full situation.
02
Coverage That Evolves With You
Your risk profile changes as your wealth and responsibilities grow. Stay connected to a broker who can review your coverage as your assets, income, and family situation change.
03
Coverage That Fits Your Budget
The right insurance strategy shouldn't be an unnecessary expense. We help connect you with a broker who can help identify coverage suited to your needs and budget.
Don't Let Gaps Cost You
When your advisor, accountant, and broker aren't connected, small gaps can turn into real exposure. Connect with a licensed insurance broker through Diadem today.
Common Questions Answered
Insurance is the foundation that makes every other part of your wealth strategy viable. You can have the best investment portfolio, the most efficient corporate structure, and the most comprehensive tax plan — but a single uninsured event such as a critical illness, disability, or premature death can unravel everything instantly. At Diadem & Co., we integrate insurance into your overall financial plan as a strategic tool — not an afterthought — ensuring that no matter what life brings, your wealth, your family, and your legacy remain fully protected.
Incorporated professionals have unique insurance needs that go well beyond a standard personal policy. We typically assess and coordinate life insurance for estate and tax planning purposes, disability insurance to protect your income if you cannot work, critical illness insurance to cover the financial impact of a serious diagnosis, corporate-owned life insurance as a tax-efficient wealth transfer tool, and business overhead expense insurance to keep your practice running if you are temporarily unable to work. The right combination depends entirely on your specific situation, income level, and financial goals.
Corporate-owned life insurance is a policy held and paid for by your corporation — making the premiums significantly more affordable on an after-tax basis than personally owned coverage. Upon death, the insurance proceeds are received by the corporation tax-free and can be distributed to your estate through the capital dividend account — one of the most tax-efficient wealth transfer mechanisms available to Canadian business owners. When integrated properly into your estate plan, corporate-owned life insurance can cover your entire tax liability at death while simultaneously delivering a significant, tax-free legacy to your family.
We conduct a comprehensive needs analysis that considers your current income, outstanding liabilities, corporate and personal assets, family obligations, estate tax exposure, and long-term financial goals. Rather than using generic formulas, we calculate your precise coverage requirements based on your actual financial situation — ensuring you are never underinsured against a real risk or overinsured and paying for coverage that delivers no meaningful benefit to your plan.