{"id":489,"date":"2021-05-01T19:17:55","date_gmt":"2021-05-01T19:17:55","guid":{"rendered":"http:\/\/www.botica.ca\/business-insurance\/"},"modified":"2021-08-31T01:28:53","modified_gmt":"2021-08-31T01:28:53","slug":"business-insurance","status":"publish","type":"page","link":"https:\/\/www.botica.ca\/en\/business-insurance\/","title":{"rendered":"Business insurance"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Header&#8221; _builder_version=&#8221;4.10.5&#8243; background_image=&#8221;http:\/\/www.botica.ca\/wp-content\/uploads\/2021\/08\/botica-021.jpg&#8221; background_position=&#8221;top_center&#8221; custom_margin=&#8221;|||&#8221; custom_padding=&#8221;12vw|0px|0|0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;2_3,1_3&#8243; padding_top_bottom_link_1=&#8221;false&#8221; padding_left_right_link_1=&#8221;true&#8221; _builder_version=&#8221;4.9.4&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; max_width=&#8221;1160px&#8221; custom_margin=&#8221;|||||false&#8221; custom_padding=&#8221;27px|0px|0|0px|false|false&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; use_custom_width=&#8221;on&#8221; custom_width_px=&#8221;1160px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;3.25&#8243; background_color=&#8221;#ffffff&#8221; custom_padding=&#8221;40px|40px|0px|40px&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.9.4&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#767676&#8243; ul_font=&#8221;||||||||&#8221; ol_font=&#8221;||||||||&#8221; header_font=&#8221;Playfair Display|700|||||||&#8221; header_text_color=&#8221;#202020&#8243; header_font_size=&#8221;48px&#8221; header_line_height=&#8221;1.5em&#8221; header_2_font=&#8221;||||||||&#8221; header_3_font=&#8221;Rubik|500||on|||||&#8221; header_3_text_color=&#8221;#1D2C70&#8243; header_3_font_size=&#8221;14px&#8221; header_3_letter_spacing=&#8221;2px&#8221; header_3_line_height=&#8221;2em&#8221; header_4_font=&#8221;||||||||&#8221; header_5_font=&#8221;||||||||&#8221; header_6_font=&#8221;||||||||&#8221; header_font_size_tablet=&#8221;38px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Business services<\/h3>\n<h1 class=\"text-align-center\">Insurance<\/h1>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjE4In19@&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;Contact us&#8221; _builder_version=&#8221;4.9.4&#8243; _dynamic_attributes=&#8221;button_url&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;12px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#1D2C70&#8243; button_border_color=&#8221;rgba(0,0,0,0)&#8221; button_border_radius=&#8221;0px&#8221; button_letter_spacing=&#8221;2px&#8221; button_font=&#8221;Rubik|500||on|||||&#8221; button_use_icon=&#8221;off&#8221; background_layout=&#8221;dark&#8221; custom_padding=&#8221;16px|32px|16px|32px|true|true&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_color=&#8221;rgba(29,44,112,0.5)&#8221; button_letter_spacing_hover=&#8221;2px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_text_size__hover_enabled=&#8221;off&#8221; button_one_text_size__hover_enabled=&#8221;off&#8221; button_two_text_size__hover_enabled=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off&#8221; button_one_text_color__hover_enabled=&#8221;off&#8221; button_two_text_color__hover_enabled=&#8221;off&#8221; button_border_width__hover_enabled=&#8221;off&#8221; button_one_border_width__hover_enabled=&#8221;off&#8221; button_two_border_width__hover_enabled=&#8221;off&#8221; button_border_color__hover_enabled=&#8221;off&#8221; 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_builder_version=&#8221;3.22&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row module_id=&#8221;fonds&#8221; _builder_version=&#8221;4.9.4&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.9.2&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.9.4&#8243; text_font=&#8221;||||||||&#8221; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;2em&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;Playfair Display|700|||||||&#8221; header_2_text_color=&#8221;#202020&#8243; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.5em&#8221; header_3_font=&#8221;Rubik|500||on|||||&#8221; header_3_text_color=&#8221;#1D2C70&#8243; header_3_font_size=&#8221;14px&#8221; header_3_letter_spacing=&#8221;2px&#8221; header_3_line_height=&#8221;2em&#8221; max_width=&#8221;500px&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;32px&#8221; header_2_font_size_phone=&#8221;22px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Group<\/h3>\n<h2>Group Insurance<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_5,3_5&#8243; _builder_version=&#8221;3.25&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.9.4&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#767676&#8243; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;2em&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;Playfair Display|700|||||||&#8221; header_2_text_color=&#8221;#202020&#8243; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.5em&#8221; header_3_font=&#8221;Rubik|500||on|||||&#8221; header_3_text_color=&#8221;#1D2C70&#8243; header_3_font_size=&#8221;14px&#8221; header_3_letter_spacing=&#8221;2px&#8221; header_3_line_height=&#8221;2em&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;bottom&#8221; animation_duration=&#8221;2000ms&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;32px&#8221; header_2_font_size_phone=&#8221;22px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Group Insurance allows for the creation of insurance policies designed specifically for companies, associations, and other organizations. Collective insurance is comprised of a multitude of products and must be carefully selected both by the group\u2019s administrators and a specialized consultant in the field of collective insurance in order to efficiently serve the group. Here is a list of the most popular insurance products:  <\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_toggle title=&#8221;Travel&#8221; open_toggle_text_color=&#8221;#1D2C70&#8243; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;RGBA(0,0,0,0)&#8221; icon_color=&#8221;#1D2C70&#8243; _builder_version=&#8221;4.9.4&#8243; title_text_color=&#8221;#202020&#8243; title_font=&#8221;Rubik|500||on|||||&#8221; title_font_size=&#8221;12px&#8221; title_letter_spacing=&#8221;2px&#8221; title_line_height=&#8221;2em&#8221; body_font=&#8221;||||||||&#8221; body_line_height=&#8221;2em&#8221; custom_margin=&#8221;||0px|&#8221; custom_padding=&#8221;16px|12px|16px|12px|true|true&#8221; animation_style=&#8221;zoom&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;#eff5f7&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#767676&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Travel Insurance covers emergency medical expenses incurred when travelling out of the province of residency. It covers hospital, medical, surgical expenses, to name a few. <\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Dental care&#8221; open_toggle_text_color=&#8221;#1D2C70&#8243; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;RGBA(0,0,0,0)&#8221; icon_color=&#8221;#1D2C70&#8243; _builder_version=&#8221;4.9.4&#8243; title_text_color=&#8221;#202020&#8243; title_font=&#8221;Rubik|500||on|||||&#8221; title_font_size=&#8221;12px&#8221; title_letter_spacing=&#8221;2px&#8221; title_line_height=&#8221;2em&#8221; body_font=&#8221;||||||||&#8221; body_line_height=&#8221;2em&#8221; custom_margin=&#8221;||0px|&#8221; custom_padding=&#8221;16px|12px|16px|12px|true|true&#8221; animation_style=&#8221;zoom&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;#eff5f7&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#767676&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Dental Insurance provides reimbursement of dental expenses. It can cover various forms of treatments: preventive, standard, major or orthodontic.  <\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Critical illness&#8221; open_toggle_text_color=&#8221;#1D2C70&#8243; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;RGBA(0,0,0,0)&#8221; icon_color=&#8221;#1D2C70&#8243; _builder_version=&#8221;4.9.4&#8243; title_text_color=&#8221;#202020&#8243; title_font=&#8221;Rubik|500||on|||||&#8221; title_font_size=&#8221;12px&#8221; title_letter_spacing=&#8221;2px&#8221; title_line_height=&#8221;2em&#8221; body_font=&#8221;||||||||&#8221; body_line_height=&#8221;2em&#8221; custom_margin=&#8221;||0px|&#8221; custom_padding=&#8221;16px|12px|16px|12px|true|true&#8221; animation_style=&#8221;zoom&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;#eff5f7&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#767676&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Critical Illness insurance provides compensation when you become critically ill. The lump sum payment can be used however you see fit. The products vary according to each insurance company, either in the types of illnesses covered, their definitions and other guarantees.  <\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Life&#8221; open_toggle_text_color=&#8221;#1D2C70&#8243; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;RGBA(0,0,0,0)&#8221; icon_color=&#8221;#1D2C70&#8243; _builder_version=&#8221;4.9.4&#8243; title_text_color=&#8221;#202020&#8243; title_font=&#8221;Rubik|500||on|||||&#8221; title_font_size=&#8221;12px&#8221; title_letter_spacing=&#8221;2px&#8221; title_line_height=&#8221;2em&#8221; body_font=&#8221;||||||||&#8221; body_line_height=&#8221;2em&#8221; custom_margin=&#8221;||0px|&#8221; custom_padding=&#8221;16px|12px|16px|12px|true|true&#8221; animation_style=&#8221;zoom&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;#eff5f7&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#767676&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>At the time of death, the life insurance policy will guarantee payment of assets to one\u2019s beneficiaries. It is offered with a choice of fixed annuities or multiples of one\u2019s annual salary. <\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Short or long-term disability&#8221; open_toggle_text_color=&#8221;#1D2C70&#8243; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;RGBA(0,0,0,0)&#8221; icon_color=&#8221;#1D2C70&#8243; _builder_version=&#8221;4.9.4&#8243; title_text_color=&#8221;#202020&#8243; title_font=&#8221;Rubik|500||on|||||&#8221; title_font_size=&#8221;12px&#8221; title_letter_spacing=&#8221;2px&#8221; title_line_height=&#8221;2em&#8221; body_font=&#8221;||||||||&#8221; body_line_height=&#8221;2em&#8221; custom_margin=&#8221;||0px|&#8221; custom_padding=&#8221;16px|12px|16px|12px|true|true&#8221; animation_style=&#8221;zoom&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;#eff5f7&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#767676&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Short or long-term protection policies guarantee the equivalent of one\u2019s regular income in cases of disability.<\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Accidental death and dismemberment (AD&#038;D)&#8221; open_toggle_text_color=&#8221;#1D2C70&#8243; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;RGBA(0,0,0,0)&#8221; icon_color=&#8221;#1D2C70&#8243; _builder_version=&#8221;4.9.4&#8243; title_text_color=&#8221;#202020&#8243; title_font=&#8221;Rubik|500||on|||||&#8221; title_font_size=&#8221;12px&#8221; title_letter_spacing=&#8221;2px&#8221; title_line_height=&#8221;2em&#8221; body_font=&#8221;||||||||&#8221; body_line_height=&#8221;2em&#8221; custom_margin=&#8221;||0px|&#8221; custom_padding=&#8221;16px|12px|16px|12px|true|true&#8221; animation_style=&#8221;zoom&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;#eff5f7&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#767676&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>The Guarantee in case of death or accidental mutilation offers additional financial security when either death or mutilation occurs as a result of an accident.<\/span><\/p>\n<p><span>This form of protection provides reimbursement of expenses related to medication; hospitalization; ambulance transportation; medical expenses; paramedical treatments (chiropractor, massage therapist, psychologist) or eye-care treatments; expenses related to an emergency which occurs out of the province of residency, and other. The products vary according to each insurance company. <\/span><\/p>\n<p>[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row module_id=&#8221;fonds&#8221; _builder_version=&#8221;4.9.4&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.9.2&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.9.4&#8243; text_font=&#8221;||||||||&#8221; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;2em&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;Playfair Display|700|||||||&#8221; header_2_text_color=&#8221;#202020&#8243; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.5em&#8221; header_3_font=&#8221;Rubik|500||on|||||&#8221; header_3_text_color=&#8221;#1D2C70&#8243; header_3_font_size=&#8221;14px&#8221; header_3_letter_spacing=&#8221;2px&#8221; header_3_line_height=&#8221;2em&#8221; max_width=&#8221;500px&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;32px&#8221; header_2_font_size_phone=&#8221;22px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Group<\/h3>\n<h2>Corporate Insurance<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_5,3_5&#8243; _builder_version=&#8221;3.25&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.9.4&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#767676&#8243; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;2em&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;Playfair Display|700|||||||&#8221; header_2_text_color=&#8221;#202020&#8243; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.5em&#8221; header_3_font=&#8221;Rubik|500||on|||||&#8221; header_3_text_color=&#8221;#1D2C70&#8243; header_3_font_size=&#8221;14px&#8221; header_3_letter_spacing=&#8221;2px&#8221; header_3_line_height=&#8221;2em&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;bottom&#8221; animation_duration=&#8221;2000ms&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;32px&#8221; header_2_font_size_phone=&#8221;22px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>With the assistance of fiscal and financial planning professionals, Botica offers personalized solutions for your corporate needs. We have enumerated just a few, however there exists several varieties: <\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_toggle title=&#8221;Corporate buyout&#8221; open_toggle_text_color=&#8221;#1D2C70&#8243; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;RGBA(0,0,0,0)&#8221; icon_color=&#8221;#1D2C70&#8243; _builder_version=&#8221;4.9.4&#8243; title_text_color=&#8221;#202020&#8243; title_font=&#8221;Rubik|500||on|||||&#8221; title_font_size=&#8221;12px&#8221; title_letter_spacing=&#8221;2px&#8221; title_line_height=&#8221;2em&#8221; body_font=&#8221;||||||||&#8221; body_line_height=&#8221;2em&#8221; custom_margin=&#8221;||0px|&#8221; custom_padding=&#8221;16px|12px|16px|12px|true|true&#8221; animation_style=&#8221;zoom&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;#eff5f7&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#767676&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Plan the continuance of a corporation in case of a shareholder\u2019s death, illness or disability through a buy-sell agreement funded with corporate-owned life insurance policies.<\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Key person&#8221; open_toggle_text_color=&#8221;#1D2C70&#8243; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;RGBA(0,0,0,0)&#8221; icon_color=&#8221;#1D2C70&#8243; _builder_version=&#8221;4.9.4&#8243; title_text_color=&#8221;#202020&#8243; title_font=&#8221;Rubik|500||on|||||&#8221; title_font_size=&#8221;12px&#8221; title_letter_spacing=&#8221;2px&#8221; title_line_height=&#8221;2em&#8221; body_font=&#8221;||||||||&#8221; body_line_height=&#8221;2em&#8221; custom_margin=&#8221;||0px|&#8221; custom_padding=&#8221;16px|12px|16px|12px|true|true&#8221; animation_style=&#8221;zoom&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;#eff5f7&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#767676&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Using corporate owned insurance, protect a corporation against financial losses due to death or illness of a key employee.<\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Split dollar&#8221; open_toggle_text_color=&#8221;#1D2C70&#8243; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;RGBA(0,0,0,0)&#8221; icon_color=&#8221;#1D2C70&#8243; _builder_version=&#8221;4.9.4&#8243; title_text_color=&#8221;#202020&#8243; title_font=&#8221;Rubik|500||on|||||&#8221; title_font_size=&#8221;12px&#8221; title_letter_spacing=&#8221;2px&#8221; title_line_height=&#8221;2em&#8221; body_font=&#8221;||||||||&#8221; body_line_height=&#8221;2em&#8221; custom_margin=&#8221;||0px|&#8221; custom_padding=&#8221;16px|12px|16px|12px|true|true&#8221; animation_style=&#8221;zoom&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;#eff5f7&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#767676&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Sharing ownership of an insurance policy to offer various benefits to both employer and employee.<\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Capital gains tax minimizer&#8221; open_toggle_text_color=&#8221;#1D2C70&#8243; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;RGBA(0,0,0,0)&#8221; icon_color=&#8221;#1D2C70&#8243; _builder_version=&#8221;4.9.4&#8243; title_text_color=&#8221;#202020&#8243; title_font=&#8221;Rubik|500||on|||||&#8221; title_font_size=&#8221;12px&#8221; title_letter_spacing=&#8221;2px&#8221; title_line_height=&#8221;2em&#8221; body_font=&#8221;||||||||&#8221; body_line_height=&#8221;2em&#8221; custom_margin=&#8221;||0px|&#8221; custom_padding=&#8221;16px|12px|16px|12px|true|true&#8221; animation_style=&#8221;zoom&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;#eff5f7&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#767676&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>A Universal Life Policy used in an elaborate method to reduce the value of a corporation before taxes are due, hence reducing tax liability due on death.<\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Corporate insured annuity&#8221; open_toggle_text_color=&#8221;#1D2C70&#8243; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;RGBA(0,0,0,0)&#8221; icon_color=&#8221;#1D2C70&#8243; _builder_version=&#8221;4.9.4&#8243; title_text_color=&#8221;#202020&#8243; title_font=&#8221;Rubik|500||on|||||&#8221; title_font_size=&#8221;12px&#8221; title_letter_spacing=&#8221;2px&#8221; title_line_height=&#8221;2em&#8221; body_font=&#8221;||||||||&#8221; body_line_height=&#8221;2em&#8221; custom_margin=&#8221;||0px|&#8221; custom_padding=&#8221;16px|12px|16px|12px|true|true&#8221; animation_style=&#8221;zoom&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;#eff5f7&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#767676&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Annuity and Insurance products combined in a specific corporate structure, swapping taxable assets into tax-free assets for the estate.<\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Maximizing the estate&#8221; open_toggle_text_color=&#8221;#1D2C70&#8243; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;RGBA(0,0,0,0)&#8221; icon_color=&#8221;#1D2C70&#8243; _builder_version=&#8221;4.9.4&#8243; title_text_color=&#8221;#202020&#8243; title_font=&#8221;Rubik|500||on|||||&#8221; title_font_size=&#8221;12px&#8221; title_letter_spacing=&#8221;2px&#8221; title_line_height=&#8221;2em&#8221; body_font=&#8221;||||||||&#8221; body_line_height=&#8221;2em&#8221; custom_margin=&#8221;||0px|&#8221; custom_padding=&#8221;16px|12px|16px|12px|true|true&#8221; animation_style=&#8221;zoom&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;#eff5f7&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#767676&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Structure an insurance policy to be paid with corporate dollars, allowing proceeds to be distributed tax-free to the estate.<\/span><\/p>\n<p>[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; specialty=&#8221;on&#8221; admin_label=&#8221;Footer&#8221; _builder_version=&#8221;4.9.11&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_start=&#8221;#000000&#8243; background_color_gradient_end=&#8221;rgba(0,0,0,0.6)&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_image=&#8221;http:\/\/www.botica.ca\/wp-content\/uploads\/2021\/08\/botica-019.jpg&#8221; custom_padding=&#8221;90px|0px|90px|0px|false|false&#8221; hover_enabled=&#8221;0&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221; title_text=&#8221;botica-019&#8243; sticky_enabled=&#8221;0&#8243;][et_pb_column type=&#8221;1_2&#8243; specialty_columns=&#8221;2&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_row_inner _builder_version=&#8221;4.9.4&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner saved_specialty_column_type=&#8221;1_2&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.9.2&#8243; text_font=&#8221;||||||||&#8221; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;2em&#8221; ul_font=&#8221;||||||||&#8221; ol_font=&#8221;||||||||&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;Playfair Display|700|||||||&#8221; header_2_text_color=&#8221;#FFFFFF&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.5em&#8221; header_3_font=&#8221;Rubik|500||on|||||&#8221; header_3_text_color=&#8221;#9BA8A8&#8243; header_3_font_size=&#8221;14px&#8221; header_3_letter_spacing=&#8221;2px&#8221; header_3_line_height=&#8221;2em&#8221; header_4_font=&#8221;||||||||&#8221; header_5_font=&#8221;||||||||&#8221; header_6_font=&#8221;||||||||&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;500px&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;32px&#8221; header_2_font_size_phone=&#8221;22px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Contact us<\/h3>\n<h2>Schedule a meeting with one of our advisors<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.9.4&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.7)&#8221; text_line_height=&#8221;2em&#8221; header_font=&#8221;||||||||&#8221; header_4_font=&#8221;Playfair Display|700|||||||&#8221; header_4_line_height=&#8221;1.5em&#8221; background_layout=&#8221;dark&#8221; animation_style=&#8221;fade&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4><span style=\"font-weight: 400;\">Fast, simple and professional<\/span><\/h4>\n<h4><span style=\"font-weight: 400;\">Personalized service<\/span><\/h4>\n<h4><span style=\"font-weight: 400;\">In person or remotely<\/span><\/h4>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_contact_form captcha=&#8221;off&#8221; email=&#8221;info@botica.ca&#8221; submit_button_text=&#8221;Send your request&#8221; module_id=&#8221;et_pb_contact_form_0&#8243; 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_module_preset=&#8221;default&#8221; link_font=&#8221;|300|||||||&#8221; link_text_color=&#8221;#C4CACE&#8221; header_3_font=&#8221;||||||||&#8221; header_3_text_color=&#8221;#FFFFFF&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3 class=\"theme-name\">Our Business<\/h3>\n<p><a href=\"http:\/\/www.botica.ca\/en\/about-us\/\" target=\"_top\" rel=\"noopener\">About us<\/a><\/p>\n<p><a href=\"http:\/\/www.botica.ca\/en\/our-team\/\" target=\"_top\" rel=\"noopener\">Our Team<\/a><\/p>\n<p><a href=\"http:\/\/www.botica.ca\/en\/contact\/\" target=\"_top\" rel=\"noopener\">Contact<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.10.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.10.5&#8243; _module_preset=&#8221;default&#8221; link_font=&#8221;|300|||||||&#8221; link_text_color=&#8221;#C4CACE&#8221; header_3_font=&#8221;||||||||&#8221; header_3_text_color=&#8221;#FFFFFF&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3 class=\"theme-name\">Advisors Login<\/h3>\n<p><a href=\"https:\/\/botica.virtgate.ca\/loginout.asp\" target=\"_top\" rel=\"noopener\">Virgate<\/a><\/p>\n<p><a href=\"https:\/\/viefund.botica.ca\/\" target=\"_top\" rel=\"noopener\">Viefund<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.10.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.10.5&#8243; _module_preset=&#8221;default&#8221; link_font=&#8221;|300|||||||&#8221; link_text_color=&#8221;#C4CACE&#8221; header_3_font=&#8221;||||||||&#8221; header_3_text_color=&#8221;#FFFFFF&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3 class=\"theme-name\">Legal<\/h3>\n<p><a href=\"http:\/\/www.botica.ca\/en\/glossary\/\" target=\"_top\" rel=\"noopener\">Glossary<\/a><\/p>\n<p><a href=\"http:\/\/www.botica.ca\/en\/file-a-complaint\/\" target=\"_top\" rel=\"noopener\">File a complaint<\/a><\/p>\n<p><a href=\"http:\/\/www.botica.ca\/en\/privacy-policy\/\" target=\"_top\" rel=\"noopener\">Privacy Policy<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.10.5&#8243; 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