Creighton & Company's newest division provides complete group benefits and corporate life insurance products and planning services to business and business owners. Heading our new division is Michael Kelly who brings more than 17 years experience in employee benefits, life insurance and financial planning.

Whether you need a group benefits plan for your employees, a corporate pension plan or insurance to fund a Buy/Sell Agreement, Michael can provide you with a complete, tailored solution.

A sampling of just some of the services we offer include:

Group Insurance Analysis

The group insurance marketplace is a very competitive one, both in terms of pricing and coverage options. At any given point in time, at least 70% of all existing plans fall short. In most instances, we can get you better coverage for the same money or the same plan for less. Let us conduct a free analysis of your plan and provide you with some options.

Corporate Pension Plans

New tax laws have created a nightmare in reporting requirements for pension plans. In many cases, converting a pension plan to a group RRSP will give the same benefits with just a fraction of the red tape associated with pension plans. Let us provide you with some options to your current arrangement.

Funding Buy/Sell Agreements

We can develop a plan to fund your corporate Buy/Sell Agreement in the event of the death or disability of one or more Partners.

Collateral Term Insurance

Most businesses borrow money to help fund operations and create opportunities for growth. However, an uninsured loan can cripple a business if the owner were to suddenly die or become disabled. We can implement a very inexpensive solution involving tax-deductible collateral term insurance.

Funding of Capital Gains Tax Liability

Most successful business owners live with a capital gains tax "time bomb" which can be triggered if they die suddenly. This potentially significant liability can be funded inexpensively through a simple life insurance policy. Let us show you how it can work.

Insured Supplementary Retirement Income Plan

This is an increasingly popular concept being taken advantage of by business owners who want to supplement their current pension/RRSP plans with additional pension benefits paid for by their company.

For more information on any of these services or any of the other products we offer, please call Michael Kelly at (905) 890-0090 or 1-800-813-4450 or e-mail him at michael@creightoninsurance.com.