{"id":24182,"date":"2025-03-25T09:15:19","date_gmt":"2025-03-25T13:15:19","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?page_id=24182"},"modified":"2026-03-27T09:26:34","modified_gmt":"2026-03-27T13:26:34","slug":"buy-sell-insurance","status":"publish","type":"page","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/business-insurance\/buy-sell-insurance\/","title":{"rendered":"Buy Sell Insurance"},"content":{"rendered":"\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__HeroImageBackground  hasDarkBg\" style=\"background:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/buy-sell-insurance-hero-desktop.webp) no-repeat;--bghero-mobi-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/buy-sell-insurance-hero-mobile.webp)\">\n<div class=\"wp-block-columns cols-hero-wrapper is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-front is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"rbc-yoast-breadcrum\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span><\/p>\n\n\n\n<h1 class=\"wp-block-heading rbc-callout-heading\" id=\"h-buy-sell-insurance\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FFFFFF\" class=\"has-inline-color\">Buy sell insurance<\/mark><\/h1>\n\n\n\n<p class=\"rbc-override-margin p-large\">Buy sell insurance can keep your business running and protect the financial interests of each owner\u2019s family.<\/p>\n\n\n\n<div class=\"wp-block-buttons  get-your-free-quote is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/cgi-bin\/birf\/form.cgi\" data-dig-id=\"LP-24182-f49da553\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Email us-https:\/\/silver.rbcinsurance.com\/cgi-bin\/birf\/form.cgi \">Email us<\/a><\/div>\n\n\n\n<p class=\" call-link\"><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-postal-code postal-code-form  postal-code\" data-custom-url=\"\"><div class=\"quote-form \"><div class=\"inputCode\"><label>Your postal code<\/label><input class=\"\" type=\"text\" value=\"\" placeholder=\"A1A 1A1\"\/><\/div><div class=\"inputCode\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-24182-4bb74c08\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-# \">Get a quote<\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><div class=\"error-msg\"><span class=\"error-msg-span\">Please provide a valid postal code in A1A 1A1 format.<\/span><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center mar-t-dbl mob-mar-t-dbl\" id=\"h-protect-your-business-and-those-you-care-about\">Protect your business and those you care about<\/h2>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout3\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-buy-sell-insurance\">Benefits of buy sell insurance<\/h2>\n\n\n\n<p class=\"p-large\">I<span class=\"partial__border-bottom\">f your company&#8217;s buy sell agreement requires that the other owners or partners purchase a deceased or disabled owner&#8217;s interests, buy sell life or disability insurance can be used to fund your buy sell agreement.<\/span><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-col is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Start-Application.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-buy-out-interest\">Buy out interest<\/h4>\n<\/div>\n\n\n\n<p>Provides a cash payment that other owners or partners can use to buy out a deceased or disabled owner\u2019s share of the business<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Family-Protection.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-policy-ownership\">Policy ownership<\/h4>\n<\/div>\n\n\n\n<p>Policy may be owned by the business\u2014or each owner can own a policy on each of the other owners<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/10\/taxes.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-business-assets\">Business assets<\/h4>\n<\/div>\n\n\n\n<p>Prevents owners\/partners from having to use personal funds or business assets to fund the agreement<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout7\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-the-right-choice-if\">The right choice if&#8230;<\/h3>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-checkmark-icon\">\n<li>Your company has more than one owner or partner<\/li>\n\n\n\n<li>You don\u2019t want to use personal funds to purchase the interests of an owner or partner who can no longer run the company<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-faq-wrapper faqWrapper  menuItems__dropdown\"><div class=\"faqWrapper__header\"><h2><span class=\"partial__border-bottom\">Plan summary<\/span><\/h2><\/div><div class=\"faqWrapper__content\"><div class=\"faqWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Buy Sell Life Insurance\">\n\t\t\t\t\tBuy Sell Life Insurance\t\t\t\t<\/span>\n\t\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t\t<\/button>\n\t\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tBuy Sell Life Insurance\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tBuy Sell Disability Insurance\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\t\n<\/div>\n<div class=\"faqWrapper__menuItems\"><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Buy Sell Life Insurance<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Buy Sell Disability Insurance<\/div><\/div><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Buy Sell Life Insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-checkmark-icon\">\n<li>Substantial coverage amounts are available<\/li>\n\n\n\n<li>Choose from term and permanent life insurance<\/li>\n\n\n\n<li>Proceeds are tax-free to the beneficiary<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Buy Sell Disability Insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-checkmark-icon\">\n<li>Ages 18-60 eligible to be insured<\/li>\n\n\n\n<li>Significant coverage amounts are available<\/li>\n\n\n\n<li>Policy can be maintained until the insured person turns 64 or leaves the company<\/li>\n\n\n\n<li>Benefits can be paid monthly, in a single lump sum, or a blend of the two<\/li>\n\n\n\n<li>Benefits may become payable after 360 days of total disability<\/li>\n\n\n\n<li>You can purchase the right to increase coverage at a later date<\/li>\n<\/ul>\n\n\n\n<p>Note: Your company must be a partnership or professional corporation that has been in business for at least three years and has a net worth of at least $50,000.<\/p>\n\n\n\n<p>The information above is a summary only. Please see a&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/health-insurance\/pdf\/disability-buy-sell-sample-policy.pdf\" target=\"_blank\" data-dig-id=\"LP-24182-0a63aaea\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"sample policy\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">sample policy<\/a>&nbsp;for complete details on terms and conditions, including benefits and exclusions.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Buy Sell insurance FAQs<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>Find answers to your questions about buy sell insurance.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlew6yl07nu\" class=\"collapse-toggle collapsed\" data-target=\"#accordionw6yl07nu\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-24182-w6yl07nu\" aria-controls=\"accordionw6yl07nu\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is a buy sell agreement?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is a buy sell agreement?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionw6yl07nu\" role=\"region\" aria-labelledby=\"accordion-titlew6yl07nu\"><div class=\"collapse-inner\">\n<p>A buy sell agreement is a legally-binding contract or provision within a shareholder agreement, that stipulates, among other things, what will happen when one of the partners, shareholders or co-owners passes away, becomes permanently disabled or leaves the business. If the agreement calls for the other partners, shareholders or co-owners to purchase a deceased or disabled owner&#8217;s interests they can fund the purchase with life or disability insurance.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title29vuf4ni\" class=\"collapse-toggle collapsed\" data-target=\"#accordion29vuf4ni\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-24182-29vuf4ni\" aria-controls=\"accordion29vuf4ni\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is a unilateral buy sell agreement?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is a unilateral buy sell agreement?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion29vuf4ni\" role=\"region\" aria-labelledby=\"accordion-title29vuf4ni\"><div class=\"collapse-inner\">\n<p>If you own a business but do not actively manage it, you can help ensure its continuity after you have passed away by making it possible for your professional managers to take over your ownership. A simple way to do this is with a unilateral buy sell agreement, under which your managers agree to purchase your interests in the business when you pass away.<\/p>\n\n\n\n<p>You can fund this agreement with a life insurance policy on yourself, naming the managers as beneficiaries. You will probably want the managers to own the policy\u2014and perhaps pay the premiums, too. When you pass away, the managers could receive a tax-free benefit from the policy, enabling them to complete the purchase.<\/p>\n\n\n\n<p>In this way, your family will also benefit because they will be assured of receiving payment for your interests in the business as quickly as possible.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleww7344y4\" class=\"collapse-toggle collapsed\" data-target=\"#accordionww7344y4\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-24182-ww7344y4\" aria-controls=\"accordionww7344y4\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is buy sell life insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is buy sell life insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionww7344y4\" role=\"region\" aria-labelledby=\"accordion-titleww7344y4\"><div class=\"collapse-inner\">\n<p>If a buy sell agreement calls for the surviving partners, shareholders or co-owners to purchase the deceased owner&#8217;s interests, they can fund the purchase with life insurance. Quite simply, the tax-free death benefit paid from the policy can be used for this purpose.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title2zu506v5\" class=\"collapse-toggle collapsed\" data-target=\"#accordion2zu506v5\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-24182-2zu506v5\" aria-controls=\"accordion2zu506v5\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What type of life insurance can fund a buy sell agreement?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What type of life insurance can fund a buy sell agreement?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion2zu506v5\" role=\"region\" aria-labelledby=\"accordion-title2zu506v5\"><div class=\"collapse-inner\">\n<p>You can choose from several types of life insurance. If your business is likely to have a limited life span\u2014say 10 or 20 years\u2014or you plan to divest your interest in the business at retirement, you may find that term life insurance is attractive. It costs less than other forms of insurance and can be allowed to lapse when the business closes. Alternatively, if you foresee the business continuing to operate for a longer period of time, you may wish to choose a permanent life insurance policy. Permanent coverage such as universal life insurance, can be used if your business wants to lock in insurability and foresees other needs for insurance beyond the period that the buy sell agreement is needed. For example, you may want to fund the buy sell agreement up to retirement age but thereafter use the insurance for estate taxes.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleph35s93e\" class=\"collapse-toggle collapsed\" data-target=\"#accordionph35s93e\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-24182-ph35s93e\" aria-controls=\"accordionph35s93e\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Who should own the buy sell life insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Who should own the buy sell life insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionph35s93e\" role=\"region\" aria-labelledby=\"accordion-titleph35s93e\"><div class=\"collapse-inner\">\n<p>Generally, the simplest solution is for the policy to be held by the other partners or shareholders, as they will receive the death benefit tax-free. This is referred to as a cross-purchase funding solution. Alternatively, the business can own the policy, in which case the tax-free life insurance proceeds will be paid into the company and the requirements of the buy sell agreement will be carried out as stipulated in the agreement.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleur8q6xys\" class=\"collapse-toggle collapsed\" data-target=\"#accordionur8q6xys\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-24182-ur8q6xys\" aria-controls=\"accordionur8q6xys\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What kind of business should have buy sell disability insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What kind of business should have buy sell disability insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionur8q6xys\" role=\"region\" aria-labelledby=\"accordion-titleur8q6xys\"><div class=\"collapse-inner\">\n<p>Buy sell disability insurance is designed primarily for partnerships and professional corporations with two to five principals. Consideration may also be given to corporations and partnerships with six to ten principals. The policy is most effectively used with partnerships and closely held corporations that employ less than 50 people, have up to $10 million in annual sales and are in stable industries.<\/p>\n\n\n\n<p>Businesses most likely to need this kind of coverage include:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Accounting firms<\/li>\n\n\n\n<li>Advertising agencies<\/li>\n\n\n\n<li>Architectural firms<\/li>\n\n\n\n<li>Employment agencies<\/li>\n\n\n\n<li>Engineering firms<\/li>\n\n\n\n<li>High-tech and computer firms<\/li>\n\n\n\n<li>Law practices<\/li>\n\n\n\n<li>Medical practices and clinics<\/li>\n\n\n\n<li>Osteopathic practices<\/li>\n\n\n\n<li>Small manufacturers<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title7dbloneo\" class=\"collapse-toggle collapsed\" data-target=\"#accordion7dbloneo\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-24182-7dbloneo\" aria-controls=\"accordion7dbloneo\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Who owns the buy sell disability policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Who owns the buy sell disability policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion7dbloneo\" role=\"region\" aria-labelledby=\"accordion-title7dbloneo\"><div class=\"collapse-inner\">\n<p>The owner of the policy may either be the corporation or partnership (entity purchase), or alternatively each owner can own a policy on each of the other owners (cross-purchase). The entity purchase may be preferred when there are more than two owners involved as a means of reducing the number of issued policies. The existence of a formal disability buy sell agreement is very important, as it governs the terms of the buyout. The agreement is not required at time of issue but will be required at time of claim. Applicants applying for buy sell disability coverage should have some individual disability income protection coverage in force or should be in the process of applying for such coverage with RBC Insurance.<\/p>\n\n\n\n<p>The owners of the business should also be covered by buy sell life insurance to protect the business from an insured owner&#8217;s death.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlebo8f6wgk\" class=\"collapse-toggle collapsed\" data-target=\"#accordionbo8f6wgk\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-24182-bo8f6wgk\" aria-controls=\"accordionbo8f6wgk\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How long can a buy sell disability policy be renewed?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How long can a buy sell disability policy be renewed?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionbo8f6wgk\" role=\"region\" aria-labelledby=\"accordion-titlebo8f6wgk\"><div class=\"collapse-inner\">\n<p>The buy sell disability policy offers coverage until:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>The insured person reaches the specified age stated in the contract; or<\/li>\n\n\n\n<li>The date the insured person terminates active full-time employment with the business entity for any reason other than total disability; or<\/li>\n\n\n\n<li>The date the aggregate benefit limit is paid; or<\/li>\n\n\n\n<li>The date one person owns a specified portion of the business entity as stated in the contract<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleraxl8iol\" class=\"collapse-toggle collapsed\" data-target=\"#accordionraxl8iol\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-24182-raxl8iol\" aria-controls=\"accordionraxl8iol\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How are the buy sell disability policy's benefits paid out?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How are the buy sell disability policy&#8217;s benefits paid out?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionraxl8iol\" role=\"region\" aria-labelledby=\"accordion-titleraxl8iol\"><div class=\"collapse-inner\">\n<p>Two payout options are available when the policy is purchased:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Level monthly installments<\/strong>&nbsp;provide the security of knowing that a consistent benefit flow is available to fund a buyout. This economical payout option provides for benefits to be paid in 60 equal non-interest-bearing installments. Payments will cease in the event of the death of the disabled insured owner\/partner.<\/li>\n\n\n\n<li><strong>Flexible funding<\/strong>&nbsp;gives the choice of receiving one lump sum amount, a series of installments, or a partial lump sum amount followed by a series of installments.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image\" style=\"background-color:#F7F8FA\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-want-to-know-more\">Want to know more?<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Ask us how buy sell insurance can help protect your business.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons  get-your-free-quote is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/cgi-bin\/birf\/form.cgi\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-24182-e0158bec\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Email us-https:\/\/silver.rbcinsurance.com\/cgi-bin\/birf\/form.cgi \">Email us<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\" get-your-free-quote \"><\/p>\n\n\n\n<div class=\"wp-block-rbc-postal-code postal-code-form  postal-code\" data-custom-url=\"\"><div class=\"quote-form \"><div class=\"inputCode\"><label>Your postal code<\/label><input class=\"\" type=\"text\" value=\"\" placeholder=\"A1A 1A1\"\/><\/div><div class=\"inputCode\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-24182-fdc68dd8\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-# \">Get a quote<\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><div class=\"error-msg\"><span class=\"error-msg-span\">Please provide a valid postal code in A1A 1A1 format.<\/span><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Want to meet? <a href=\"https:\/\/services.rbcinsurance.com\/StoreAdvisorLocator\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-24182-8305f601\" data-dig-label=\"Find an advisor or store\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Find an advisor or store<\/a>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"606\" height=\"564\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/buy-sell-insurance-606x564-1.webp?quality=80&amp;w=606\" alt=\"Cafe owners protected by business insurance\" class=\"wp-image-24693\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/buy-sell-insurance-606x564-1.webp 606w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/buy-sell-insurance-606x564-1.webp?resize=300,279 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/buy-sell-insurance-606x564-1.webp?resize=412,383 412w\" sizes=\"auto, (max-width: 606px) 100vw, 606px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-24182-315a9ac2\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View Legal Disclaimers<\/span><span>Hide Legal Disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup><\/sup><\/div><div class=\"table-cell\">\n<p>The information above is a summary only. Please see a&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/health-insurance\/pdf\/disability-buy-sell-sample-policy.pdf?_ga=1.51453353.1291163158.1487170457\" target=\"_blank\" data-dig-id=\"LP-24182-2538c8fe\" data-dig-category=\"LP\" data-dig-action=\"link click\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">sample policy<\/a> for complete details on terms and conditions, including benefits and exclusions.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Protect your business and those you care about<\/p>\n","protected":false},"author":203,"featured_media":0,"parent":15090,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-24182","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO 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