INSURANCE
Personal protection,
Built around real life.
The people who depend on you may share your home, work beside you, or earn their living from what you built. Insurance makes sure an illness, injury, or death doesn’t ask them to carry more than they can.
At Birch Bay, we look at the obligations that continue at home, in the business, and on the farm—and decide which risks belong with you and which are better transferred.
01 / PERSONAL
For the people who depend on you.
Every family has its own mix of income, debt, savings, workplace benefits, and people to provide for. Your insurance should be built from those facts—not from a shortcut like you need life insurance equal to ten times your income.
Life, critical illness, and disability coverage each protect against a different kind of interruption. Birch Bay looks at what you already have, shows you where the real exposure sits, and works with your priorities and budget to build the right combination.
The goal isn’t more insurance. It is being covered where you need to be.
02 / BUSINESS & FARM
What you built has people behind it.
Business insurance should put money in the right place at the right time—so the company doesn’t have to invent a solution in the middle of a death, disability, or serious illness.
Birch Bay helps fund shareholder agreements for death and disability, protect the contribution of key people, and keep business overhead paid when an owner can’t work. Critical illness coverage can protect the company through a serious diagnosis, with a shared return-of-premium strategy that can add tax-free capital to the owner’s retirement if a claim isn’t made.
How the policy is owned matters as much as what it covers. We consider how proceeds will move through the corporation so the insurance doesn’t solve one problem while creating an avoidable second layer of tax.