@calmmoneycoach: Corporate insurance. What are some actually worth it Most insurance sold to incorporated owners exists because someone earns a commission on it. Three of the four standard pitches are still worth paying for. If you set them up right. Disability: who pays the premium decides who keeps the benefit. Corp pays, the benefit is taxable. Pay it yourself, it's tax-free. Same coverage, roughly $30,000 apart on a two-year claim. The Health Spending Account: only works if you receive it as an employee on real T4 salary. Received as a shareholder, it flips into double tax. Buy-sell: if you have a partner, fund it with life insurance. A funded buy-sell is a paragraph. An unfunded one is a lawsuit. And whole life pitched as a tax shelter: a real tool for a few, oversold to most. If it's the first thing an advisor reaches for, ask why. The full guide, sourced by name (CRA, Sun Life, Manulife, BMO), is in the community. Join at calmmoneycoach.ca None of this is advice. It's the map. Your accountant and lawyer do the driving. Calmmoneycoach.com

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