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We are thrilled to work with deGraaf Financial Services, it is nice to work with a Family business. Jeff and Wendy R. - Burlington, ON
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Insurance Solutions for Business Owner'sBusiness Owner

If you have a business that relies on YOU to keep things moving ahead nearly every day…that could easily collapse without you…and that provides your family with financial security…then this is the most important message you will ever read.

When successful business owners are in their prime, it’s easy to feel like things will keep cruising along and that you’ll live forever. These days, though, I’ve noticed that many business owners are focusing a lot on this week’s problems. As a result, they don’t give much thought to what will happen should they have an unexpected accident or serious health problem that takes them out of the picture.

What will happen to your business? More importantly…what will happen to your family?  Without proper planning, all that hard work can quickly go up in a puff of smoke. Even if you have a takeover plan in place, or if you have partners or shareholders involved, it can still be difficult for them to pick up the pieces if you’re not around.

You may have considered life insurance before, but in a bumpy economy it’s more important than ever to give your family and your company excellent financial protection to safeguard them from those problems that will arise if you’re not there anymore.

Everyone knows that life insurance if the best way to guarantee a Sound Financial Future; tax-free to those you want to receive it. In addition, here are some other ways to financially help yourself right now with the right plan:

  • 1. Your policy has a positive cash valuewhich you can access to help your business in lean times!
  • 2. Earn a reliable 5-6 % on your investmentfor satisfying guaranteed growth in today’s economy!
  • 3. A steady retirement plan that grows tax deferredand also protects the value of your business for a smooth transition!
  • 4. If you become disabled and are out for 6 months or moreyou’re coverage is intact!
  • 5. Ownership of your policy can be transferredideal for your estate planning!

How To Discover If Life Insurance Can Help Protect Your Family And Business

Almost nobody enjoys talking about insurance. That’s why we always get right to the point of helping you understand how the right policy can help protect the things you value most. No cheesy sales pitchno hypeno pressure. Just the facts for you to make an informed decision. I promise I won’t insult your intelligence.

You owe it to yourself and all you’ve worked for to discover if this is the right way to give them that protection.

To contact us, simply navigate to the Contacts Page, or give us a call at 905-331-9644

A well-planned life insurance policy can protect your family and business, give you guaranteed retirement account growth, and safeguard you should you become disabled.


It’s the only way to accomplish all this at such affordable rates!


Critical Illness Insurance
Coping with a critical illness can be a financial hardship for survivors, their families and the companies they support. What's more, survivors often need to overcome challenges that go beyond maintaining financial stability—such as finding the best medical care, meeting day-to-day needs or managing fear and anxiety.
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Key Man Insurance
Key man insurance is simply life insurance on the key person in a business. In a small business, this is usually the owner, the founders or perhaps a key employee or two. These are the people who are crucial to a business--the ones whose absence would sink the company. You need key man insurance on those people!
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Disability Insurance
It is common for us to meet with a business owner who would lose everything they have built if he or she was unable to work for even a small period of time. As a business owner you need to take the subject of disability insurance very seriously. Everything you have now, and everything you hope to have in the future just may depend on your ability to get to work every day, and to grow and run your business.
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Office Overhead Expense Insurance
Office Overhead Insurance is the inexpensive solution for thousands of independent practitioners. The plan provides reimbursement for mortgage interest payments, employees' salaries, professional association dues, office utilities, janitorial services, telephone answering service charges, business liability and casualty insurance premiums (including professional liability) and other regularly occurring business expenses.
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Partnership Insurance
Partnership insurance is more than just life insurance. It’s an effective plan that can help secure the business you’ve built and the lifestyle you’ve created for you and your family.

Funding Buy-Sell Agreements
If you are a partner in a business or a major shareholder in a company, you should consider drawing up a buy/sell agreement. This type of agreement sets out provisions for what will happen to the partnership or company in the event of the death or disability of a partner or major shareholder.
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North American Markets
S&p/tsx Composite Index14086.67  chart-18.56
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NASDAQ4933.50  chart+31.74
S&P 5002099.06  chart+8.96
Cad/usd0.7669  chart+0.0007
2016-05-30 16:20