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Bright ideas

Financial Planning for Business Owners


Sun Life financial planning for business owners bright ideas video


Sun Life aims to empower business owners with a financial plan to help you future-proof your business and personal life goals. We offer product solutions that address your financial needs at every stage of your business. Sun Life is here to help you through your financial journey.



Start-ups: personal financial planning


Growth: business continuity and succession planning


Maturity: legacy planning


Start-ups: personal financial planning

Start-ups are businesses that have been operating for less than five years. Business owners at this stage need to protect themselves with a personal financial plan, which can help them prepare for life’s uncertainties such as an illness or accident. It can also help business owners achieve their personal life goals such as travel, child’s education, retirement or even additional capital for business.

Is your business on its Start-up years? We got you covered with our B.I.P.s for Start-Ups like you:


Sun Smarter Life Classic + Money Market Fund for emergency fund and lifetime protection

Sun Fit & Well for health protection

Sun Dream Achiever for your child’s education


Growth: business continuity and succession planning 

In the growth stage, business owners need to consider retirement planning, employee benefits, business continuity, and succession planning.


Sun Life key person insurance video


For business continuity and succession planning, a business owner may consider getting a key person insurance for key people in the business. Key person insurance allows a business owner to prepare for the financial costs of losing a key employee such as hiring and training a new employee, signing bonuses and the potential risk of losing large accounts, creditors, and suppliers.


Sun Life buy sell agreement video


Another way to protect one’s business is through buy-sell agreements where life insurance can be used to fund for buying out the shares of a deceased partner or shareholder. This way, the remaining partners do not need to shell out a lump sum amount to buy out the shares and the bereaved family gets a fair amount in return.

How are your Growth years coming along? Let us help you rise with our B.I.P.s for businesses in the Growth stage such as yours:

Sun Smarter Life Elite for retirement

Sun Safer Life for key employee protection

Sun Maxilink Prime for partner/shareholder protection

Maturity: legacy planning

At maturity, a business owner’s financial needs shift to wealth preservation as well as transfer and smooth transition of management and ownership of the business to the next generation. To know more about succession planning, consult with our Family Business and Wealth Advisors. 


After all the hard work, is your business anchored in Maturity as it transitions to the next generation? We can secure your legacy with our B.I.P.s for the founders and pioneers:

Sun Smarter Life Classic for estate protection

Get to know more about how you can future-proof your business.

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