Life insurance planning
Coverage structured around the people, obligations and long-term plans that depend on you.
Insurance planning for Ontario
Protection designed around the life you've built.
Thoughtful life, health and business insurance planning for Ontario families, professionals and business owners—delivered with discretion and clarity.
Ontario focusedPrivate by designBuilt around your priorities
The Sterling & Stone approach
Insurance should earn its place in your plan.
The right coverage is not a collection of products. It is a deliberate response to the people, income, business value and future decisions you want to protect.
We begin with the structure of your life: what must continue, what must remain flexible and what you ultimately want your planning to accomplish. Only then do we consider the type and amount of coverage that may fit.
Start with your priorities
Protection
Security
Continuity
Insurance solutions
Protection with a purpose.
Your recommendations should reflect your circumstances, existing coverage, financial capacity and priorities—not a preset package.
Disability income protection
A plan for protecting earning power when an illness or injury interrupts the career you have built.
Critical illness insurance
Liquidity designed to create choices while you focus on treatment, recovery and the people closest to you.
Business continuity
Insurance planning for owners, incorporated professionals, shareholders and the enterprises they lead.
Estate liquidity
Thoughtful funding strategies for taxes, equalization, charitable intentions and an orderly transfer of wealth.
Health and group benefits
Practical protection considerations for families, key people and Ontario employers building durable teams.
Who we help
Planning that reflects what is at stake.
For people whose responsibilities, careers and business interests have outgrown one-size-fits-all coverage.
For families
Protect the life around the balance sheet.
Coordinate coverage with mortgages, education goals, family responsibilities and the legacy you intend to leave.
For professionals
Protect the value of your earning years.
Address income continuity, personal obligations and the unique planning needs of incorporated professionals.
For business owners
Protect what others rely on.
Consider key-person risk, shareholder funding, succession objectives and continuity for the company you built.
Considered planning.
Clearly explained.
How we work
A disciplined process, without the pressure.
Good insurance planning should leave you more certain—not more overwhelmed. Our process is built to make complex decisions understandable and connected to a clear purpose.
- 01
Understand
Clarify who and what depends on you, what coverage already exists and what has changed.
- 02
Structure
Map the amount, ownership, duration and purpose of coverage against your wider financial and estate plans.
- 03
Evaluate
Consider appropriate insurance types and policy features, including the trade-offs that matter to you.
- 04
Maintain
Review the plan as your family, health, career, business and obligations evolve.
Made for Ontario decisions
Insurance planning with provincial context.
Your coverage exists inside a real family, career, corporation and estate plan. That is why an Ontario insurance review should look beyond the illustration and consider how the pieces work together.
Families and estates
Beneficiary intentions, debts, education funding, final expenses, liquidity and the transfer you want to create.
Professionals
Income protection, practice or corporate obligations, benefit gaps and coverage that can evolve with a career.
Business owners
Key-person exposure, shareholder funding, succession, debt obligations and continuity for employees and family.
Province-wide service
Private planning conversations for clients across Ontario, with in-person or virtual availability depending on location and circumstances.
“Protection is strongest when it is built on a clear understanding of what must endure.”
Preserve
Plan for the transfer, not just the event.
Estate liquidity can help turn an intended legacy into an orderly, funded transition.
Continue
Keep good plans moving forward.
Business insurance planning can create choices for owners, partners, employees and family when circumstances change.
Ontario insurance questions
Useful answers before we meet.
General guidance to help you prepare for a more productive insurance planning conversation.
01How much life insurance do I need in Ontario?+
There is no single amount that suits every Ontario household. A useful review considers income replacement, debts, education funding, final expenses, business obligations, existing assets and the legacy you want to create. The result should reflect both the need and the premium you can comfortably maintain.
02What is the difference between term and permanent life insurance?+
Term insurance generally provides coverage for a set period and is often used for time-limited needs. Permanent insurance is designed to remain in force for life if required premiums are paid and may include additional policy values or features. Suitability depends on purpose, time horizon, affordability and the specific contract.
03Can an Ontario corporation own life insurance?+
Corporate ownership may be considered for business continuity, key-person risk, shareholder planning or estate objectives. Ownership, beneficiary designations, taxation and accounting treatment can be complex, so insurance planning should be coordinated with the corporation's legal, tax and accounting advisers.
04Why should professionals consider disability insurance?+
For many professionals, future earning capacity is one of their largest economic assets. Disability insurance may help replace a portion of income when illness or injury prevents work, subject to the policy's definitions, waiting period, benefit period, limits and exclusions.
05Who regulates life and health insurance in Ontario?+
Ontario's life and health insurance sector is regulated by the Financial Services Regulatory Authority of Ontario (FSRA). FSRA provides public tools to check whether an insurance company or life and health insurance agent is licensed to operate in Ontario.
06What should I bring to an insurance planning meeting?+
Helpful information includes current policy summaries, approximate income and debts, family and business obligations, corporate ownership details, benefit plans, wills or shareholder agreements that affect the discussion, and the names of professional advisers who may need to be involved.
A more considered conversation
Start with what you want to protect.
Tell us what has changed, what concerns you and what a well-designed plan should make possible.
Request a private consultation