At C. Taylor & Associates, we believe insurance planning isn’t only about protection, it’s about preserving the life you’ve built and giving you peace of mind through every season of change. Whether you're managing a business, growing your family, or planning your legacy, we help you navigate complex insurance decisions with clarity and purpose.
Why work with a financial planner? Our clients often come to us during pivotal moments: a business sale, a tax-heavy restructure, a new corporate entity, or a legacy about to pass from one generation to the next. They’re balancing legal advice, corporate interests, and family needs, and they need someone to help them make sense of it all. That’s where we step in.
We specialize in creating high-net-worth insurance plans. We build relationships and coordinate with trusted professionals to create a seamless, well-rounded strategy.
Life Insurance That Does More
Life insurance is the cornerstone of most insurance plans. It can cover funeral costs and clear debt, and more. For business owners in Terrace, Smithers, Kitimat, Prince Rupert and across B.C., life insurance can secure buy-sell agreements, protect shareholder value, and keep operations running during difficult transitions. For families, it offers stability when they need it most, shielding assets from creditors and helping heirs avoid fire-sale decisions.
We help you choose the right policy type, term, permanent, or hybrid, based on your stage of life, goals, and wealth preservation strategy.
Critical Illness Insurance
You don’t plan to get sick. But what happens if you do? Critical illness insurance provides a lump-sum payment if you’re diagnosed with a serious illness like cancer, heart disease, or stroke, and the money can be used however you choose.
It’s a lifeline that lets you focus on recovery, not finances. We’ll help you decide the right level of coverage and how it fits into your broader risk management plan.
Disability Insurance
Your ability to earn income is one of your most valuable assets. If illness or injury prevents you from working, disability insurance acts as a replacement income stream, preserving your long-term financial trajectory.
We guide professionals, entrepreneurs, and high-income earners through options that are aligned with their industry, lifestyle, and long-term goals.
Business Owner & Employee Benefits Insurance
We help design insurance plans that protect leadership, key employees, and ownership structures. From buy-sell funding and key person coverage to employee benefits that attract and retain top talent, we make insurance work as part of your overall business strategy.
Life Insurance
We proudly serve high-net-worth families and business owners throughout Terrace, Smithers, Kitimat, Prince Rupert, and beyond. Whether you're reviewing an existing policy or starting from square one, we design plans that reflect your priorities.
Our approach is collaborative and human-first. We listen deeply, ask thoughtful questions, and guide you to decisions that protect more than your finances—they protect your peace of mind.
Estate Preservation & Tax-Smart Giving
Taxes, debt, and probate costs can quietly erode the legacy you’ve worked a lifetime to build. Life insurance and other risk management tools can help you preserve your estate and pass on more of your wealth, intact and on your terms.
Complexity to Clarity
We coordinate with your team of professionals, bring in trusted specialists where needed, and handle the details behind the scenes. From life insurance to critical illness coverage, we’re the partner who makes sure every piece fits.
You’ll leave every meeting with more clarity, more confidence, and a plan that actually makes sense.
Let's Plan for the Unexpected—Together
Insurance planning doesn’t need to be intimidating. It needs to be personal, precise, and aligned with your life.
Ready to build a plan that protects your future, your family, and your legacy? Let’s start a conversation.