Wealth builds opportunity—but it also introduces risk. A sudden illness. An unexpected death. A business partner forced to step away. Without proper insurance planning, financial security can unravel faster than you think.
At Scepanovic & Associates, we provide strategic insurance planning for high-net-worth individuals in Oakville, Burlington, Toronto and across the GTA. Whether you’re protecting your family, your business, or both, our strategies ensure your wealth is secured, your obligations are covered, and your legacy is protected.
Life insurance: security that lasts
Life is unpredictable. The right life insurance plan ensures your family isn’t left scrambling if something happens to you. More than just a death benefit, life insurance secures your family’s lifestyle, covers estate taxes, and protects your long-term wealth.
Our Oakville life insurance and Burlington life insurance solutions include:
- Permanent life insurance: Designed for long-term protection with added investment growth potential.
- Term life insurance: Affordable coverage that protects your family during your working years.
- Wealth transfer strategies: Life insurance can minimize taxes on your estate, ensuring your heirs receive the maximum benefit.
Critical illness insurance: financial stability when health falters
A doctor’s words can change everything. But they don’t have to dismantle your finances. Critical illness insurance pays out fast—tax-free—giving you cash when you need it most. Surgery costs? Covered. Specialized care? Handled. Mortgage payments, groceries, or keeping your business afloat? Done.
No restrictions. No handcuffs on how you spend it. It’s your money, your safety net, your way out of crisis.
Disability insurance: protecting your income
Your earning power is one of your most valuable assets. But what happens if illness or injury makes working impossible?
Our disability insurance strategies protect your income, ensuring that bills are paid, savings are protected, and your family’s lifestyle is maintained. For high-net-worth individuals with larger incomes, we structure customized disability insurance plans that replace lost income without limiting your financial goals.
Employee benefits: strengthening your business
Your employees are the foundation of your business. Offering a competitive employee benefits package isn’t just about keeping them healthy—it’s about attracting top talent, building loyalty, and protecting your company’s long-term success.
Our Oakville and Burlington employee benefits solutions include:
- Group life insurance to support employees' families if the unexpected occurs.
- Health and dental coverage that keeps your workforce healthy and productive.
- Disability and critical illness insurance to protect your employees’ financial stability.
We tailor employee benefits packages that balance cost-efficiency with meaningful coverage, ensuring your team feels valued—and your business remains competitive.
Insurance planning for business owners
Business wealth and personal wealth? Often tangled together. If something happens to you, does your business survive? Can your family maintain their lifestyle?
We build high-net-worth insurance strategies that protect both. Whether it’s employee benefits in Burlington, key-person insurance to protect top talent, or buy-sell agreements that keep ownership transitions clean—we ensure your business stays stable when life gets messy.
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Buy-sell agreements
Ensures your business transitions smoothly if a partner passes away or steps back unexpectedly. No scrambling. No legal wars. Just clarity.
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Key person insurance
When a critical leader can’t work, this coverage delivers cash to stabilize your company’s finances and hire a replacement.
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Debt protection
Business loans, lines of credit, or financing tied to personal guarantees? Insurance keeps debt from becoming your family’s burden.
Annuities: guaranteed income for life
If market volatility makes you uneasy, annuities provide stability. Designed to deliver predictable income, annuities offer peace of mind during retirement. Whether you want a steady cash flow or a secure income for a surviving spouse, annuities turn uncertainty into financial stability.
Building insurance plans that fit your goals
Insurance planning shouldn’t feel overwhelming. At Scepanovic & Associates, we break down complex options into clear strategies that align with your personal goals. Whether you’re safeguarding wealth, protecting family, or ensuring your business’s success, our insurance plans provide security without overcomplication.
We integrate insurance planning with your broader financial strategy—covering tax planning, estate transfers, and investment growth—to ensure your wealth continues to grow and thrive.