Life insurance is often misunderstood as a simple death benefit. But done right, it’s so much more. For entrepreneurs and professionals, it’s a cornerstone of succession planning, wealth preservation, and intergenerational continuity.
We specialize in life insurance for high-net-worth individuals, helping clients reduce estate tax liabilities, equalize inheritances, and protect business partners. Whether you’re just beginning to build your empire or looking to protect it for the next generation, we design high-net-worth life insurance strategies tailored to your unique goals.
If you’re searching for life insurance in Sudbury, or anywhere across Ontario, Kilgour Group offers the insurance planning expertise, personalization, and long-term partnership that complex planning requires.
Critical Illness Insurance: Your Financial Lifeline
A major diagnosis can upend your finances. Critical illness insurance provides a lump-sum payout when you need it most, giving you the flexibility to focus on recovery without worrying about bills or business disruptions.
We make sure your plan is structured to respond quickly and comprehensively. Whether it’s treatment costs, family support, or simply keeping the lights on, this type of protection offers peace of mind in the face of uncertainty.
Disability Insurance: Protecting Your Income Engine
Your income is likely your most valuable asset. But what happens if illness or injury interrupts your ability to earn? Disability insurance acts as a personal financial safety net—keeping your household or business running while you recover.
At Kilgour Group, we tailor these solutions to your lifestyle, career stage, and obligations. Whether you’re a surgeon, executive, or entrepreneur, our insurance planning ensures you’re not left vulnerable during a critical stage of life or business growth.
Executive Benefits and Employee Plans
For business owners, we also design employee benefits that attract and retain top talent while protecting your leadership team. Group life insurance, health benefits, and executive compensation planning can be integrated into your broader business succession and retention strategies.
Insurance That Honours Your Legacy
Protecting your estate isn’t just about wills and trusts. Insurance plays a critical role in ensuring your legacy lives on—without being eroded by taxes, debt, or legal challenges. Our high-net-worth insurance solutions support charitable giving, estate equalization, and wealth transfer—built with both clarity and heart.
With our MFA-P designation and in-house charitable giving expertise, we help clients support causes that matter deeply—turning protection into purpose.
Let’s Make a Plan That Protects What Matters Most
From life insurance to critical illness insurance, from employee benefits to disability insurance, our team delivers personalized protection at every stage of your life. Based in Sudbury and serving clients across Ontario, Kilgour Group is here to make sure your financial safety net is as strong—and as personal—as the life it protects.