Incorporated Tech Professionals
You run a CCPC, pay yourself through salary and dividends, and have retained earnings inside your corporation. You know you need a plan — but most advisors don't understand how your business is set up.
Financial Security Advisor · Vancouver Island, BC
I spent 20 years
in tech. Now I help
people like you
protect what
they've built.
Insurance and financial planning for incorporated tech professionals, business owners, and high-income families — across BC, Alberta, and Ontario.
✓ Licensed BC
✓ Licensed Alberta
✓ Licensed Ontario
✓ Virtual · Nationwide
Licensed & Regulated
BC · Alberta · Ontario
E&O Insured
Professional liability coverage
Complimentary 30-Min Call
No obligation, no pressure
Vancouver Island, BC
Serving all of Canada virtually
Who I work with
Built for people who are building something
I understand your world because I lived it. 20+ years in corporate technology, VP-level experience, then building my own business. I don't need you to explain your situation to me.
Book a Complimentary Call →Business Owners
Your business is your biggest asset and your biggest liability. I help business owners protect against the things that can unravel years of work — key-person loss, a buyout gone wrong, no succession plan.
High-Income Families
You've built a comfortable life. I help high-income families protect their income, plan for critical illness or disability, and ensure wealth transfers to the next generation without unnecessary tax erosion.
What I help with
Comprehensive protection, for every stage
From personal insurance to corporate structures — strategies that work together, not in isolation.
Life Insurance
Term, whole life, and universal life strategies for your personal and corporate needs. The right structure depends on whether you're protecting income, building an estate, or creating a tax-efficient vehicle inside your corporation.
Personal Coverage
Term life for income replacement. Permanent life for estate planning. We match the product to the purpose, not the other way around.
Corporate Coverage
COLI lets your corporation fund premiums and receive the death benefit tax-efficiently through the Capital Dividend Account.
Estate Planning
Life insurance is one of the most efficient ways to transfer wealth to the next generation with minimal tax friction.
Key-Person Protection
Protect your business from the loss of a critical person. Fund buy-sell agreements and succession plans with certainty.
Critical Illness Insurance
A tax-free lump sum paid directly to you on diagnosis of a covered condition — heart attack, stroke, cancer and more. No restrictions on how you use it. Financial freedom exactly when you need it most.
Tax-Free Lump Sum
One-time payment on diagnosis. Typically $100K to $2M+. Yours to use however makes sense — no receipts, no restrictions.
Return of Premium
Many policies return all premiums paid if you never make a claim. You're covered if you need it, money back if you don't.
No Use Restrictions
Pay off your mortgage. Fund treatment. Replace lost business income. Cover childcare. The choice is entirely yours.
26+ Covered Conditions
Modern CI covers far more than the big three. We review what's included carefully before recommending any policy.
Disability Insurance
Your ability to earn income is your most valuable financial asset. For incorporated professionals without group benefits, disability insurance isn't optional — it's the most important coverage you can have.
Own-Occupation Definition
The best policies pay if you can't perform your specific occupation — not just "any job." This distinction matters enormously at claim time.
No Group Benefits
Your coverage disappears the moment you leave an employer. Individual DI is the only safety net for self-employed professionals.
Benefit Period Options
2 years, 5 years, or to age 65. We match the policy length to your income structure and recovery risk profile.
Business Overhead Expense
Separate from personal DI — pays your business's fixed operating costs (rent, staff, utilities) while you recover.
Corporate-Owned Life Insurance
Fund premiums with pre-tax corporate dollars, accumulate capital tax-sheltered inside your corporation, and distribute death benefits tax-free through the Capital Dividend Account. One of the most powerful tools available to incorporated professionals in Canada.
Tax-Efficient Funding
Premiums paid at the small business rate — significantly cheaper than funding the same premium personally at your marginal rate.
Capital Dividend Account
Death benefits flow into the CDA and can be paid to shareholders as tax-free capital dividends. A significant estate advantage.
Retained Earnings Strategy
A COLI policy gives retained earnings a tax-advantaged destination for incorporated professionals accumulating faster than they spend personally.
Honest Assessment
COLI works best with a multi-year horizon and genuine estate goals. Not right for everyone — we'll tell you directly either way.
Investments & Segregated Funds
Investment growth with insurance-backed protections — maturity guarantees, death benefit guarantees, creditor protection, and bypass of probate. Compelling for business owners who want market exposure with a built-in floor.
Creditor Protection
Assets in segregated funds can be shielded from creditors — highly relevant for business owners with personal liability exposure.
Maturity & Death Guarantees
75–100% of deposits guaranteed at maturity or on death — regardless of what the underlying fund returns.
Bypass Probate
Named beneficiaries receive funds directly — faster distribution, lower fees, and privacy for your family.
RRSP / TFSA / Non-Reg
Segregated funds work inside registered and non-registered accounts. We determine the right account structure for your situation.
Why it matters
An advisor who's been in your chair
I'm not coming to this from a financial services background. I came from technology — 20+ years building, managing, and leading technical teams, VP-level experience in corporate IT. I built my own business after that. I know exactly what you're navigating.
20+
Years in tech &
corporate leadership
3
Provinces licensed
to advise
100%
Virtual — meet
from anywhere
0
Jargon. Plain
language, always
Why work with me
I know your world. I lived it.
20+ years in corporate technology
From hands-on IT to VP-level leadership. I understand incorporated structures, retained earnings, and the specific pressures of running a tech business — no explanation required from you.
Virtual across three provinces
Based on Vancouver Island, licensed in BC, Alberta, and Ontario. Every meeting is online — you pick the time, I show up prepared. No commute, no delay.
Plain language, honest advice
I give you my direct read and tell you when something isn't right for your situation — even when it means less business for me. No product pitch dressed as advice.
ProvinceBC · Alberta · Ontario
Format100% Virtual
Background20+ Yrs Tech / VP
First callComplimentary, no obligation
How it works
Simple, clear, and no pressure
Three steps from first conversation to having a plan in place. Designed around your schedule — not mine.
Step One
1
Book a discovery call
30 minutes, no paperwork, no commitment. We talk about where you are today and whether working together makes sense for both of us.
Step Two
2
Get a clear strategy
I come back with a plain-language recommendation built around your specific situation. No off-the-shelf products, no complexity for its own sake.
Step Three
3
Implement & stay covered
We implement together, I handle the paperwork, and I stay in your corner with annual reviews as your life and business evolve.
Book a consultation
Let's talk. No pitch, no pressure.
A 30-minute discovery call is the best first step. I'll ask a few questions, listen, and give you an honest read on whether working together makes sense.
No commitment or obligation
30 minutes, entirely virtual
Honest advice, even if it means walking away
Open to BC, Alberta, and Ontario residents
Book a Complimentary Call
Pick a time that works for you. No back and forth, no obligation.
Insights
View all articles →
Plain talk on financial protection
Corporate Insurance
Your Corporation Is Not Just a Tax Tool — It's an Insurance Vehicle Too
Most incorporated professionals use their CCPC to reduce taxes. Fewer realize it's also one of the most efficient structures for building and protecting personal wealth through corporate-owned life insurance.
Read article → Disability InsuranceWhy Self-Employed Professionals Are the Most Underinsured Group in Canada
Group benefits disappear the moment you leave your employer. Here's what disability coverage actually looks like when you're incorporated and on your own.
Critical IllnessWhy the Lump Sum Matters More Than You Think
Medical costs aren't the only cost when you get sick. Lost income, childcare, treatment travel — here's why a tax-free lump sum beats a monthly benefit for most professionals.
Get in touch
Have a question? I'll reply personally.
No automated responses. If you send a message, I read it and write back myself. If you'd rather talk, book a complimentary call.
contact@anuragnayak.ca
Vancouver Island, BC · BC · AB · ON
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