Insurance is not the exciting part of your wealth plan. But it is the part that keeps everything else standing.

At the Vanno Ort & Paul Jarvie team, insurance planning is how we protect the life you have built (and the one you still want to build). For many families, we make sure high-net-worth insurance decisions line up with their tax plan, legal documents, and long-term goals.

Why insurance belongs in a high-net-worth plan

For affluent families and business owners, insurance is not just about replacing income. It is about protecting capital, smoothing cash flow, and making sure a single event does not force rushed decisions about businesses, real estate, or investments.

We start with your bigger picture (corporate structures, family needs, estate plan, and exit plans) and then design insurance strategies that support it. This means you get one coordinated approach that fits inside your overall high-net-worth tax planning and wealth strategy.

Life, disability, and critical illness: real protection, real options

Most of our clients are not worried about “if” they are insurable. They are asking, “How much protection do we actually need, and where should it sit?”

We help you answer that with clarity:

  • Life insurance

    Structured to support your family, fund buy–sell agreements, clear debt, and create liquidity for estate taxes. Whether you are looking at life insurance in Oshawa for a growing practice or coverage on a key shareholder, we make sure every policy has a clear job.

  • Disability insurance

    Your ability to earn is one of your largest assets. We design disability insurance strategies that protect household cash flow and business obligations, so an illness or injury does not derail everything else.

  • Critical illness insurance

    A major diagnosis can change life overnight. Critical illness insurance provides a lump sum you can use however you need (care, time off, debt reduction) so you can focus on getting better instead of doing math.

The goal is simple: if something unexpected happens, you have options instead of pressure.

Protection that supports your legacy

For high-net-worth families, insurance is also a powerful legacy tool. Used well, it can:

  • Create tax-efficient liquidity to pay estate tax and final expenses
  • Equalize inheritances between children involved in the business and those who are not
  • Support charitable gifts without reducing what goes to family

We work closely with your accountants and lawyers to align insurance planning with wills, shareholder agreements, and trusts. That way, the policies you own today actually support the legacy you want tomorrow.

Employee benefits and business continuity

A group of people having a meeting and two of them are shaking hand

If you employ a team, insurance decisions can also be a way to show up well as an employer. We help business owners structure employee benefits that are competitive, sustainable, and aligned with their culture.

We also look at continuity: what happens to the business if a key person dies or becomes disabled? Here, high-net-worth insurance is about keeping doors open, protecting value, and giving you time to make thoughtful decisions instead of rushed ones.