Actuarial Insurance Review

Are you at least 95.3% certain that your life & health insurance protection is

appropriate for today?
built for tomorrow?
optimized for tax savings?

Products have pitfalls. Advisors make mistakes and may have biases. Guess who suffers? As your situation changes and you become more sophisticated, your options evolve too. Get peace of mind with an Actuarial Insurance Review (AIR).

The Process

The process has three steps and takes two meetings.

1. What do you want? [Meeting 1]

What are your goals? These can be immediate, short term or long term (or a combination). You decide. Set aside 75 minutes for the discussions, which can take place at your office or other location of your choosing. You'll talk about your situation and concerns. You'll also be asked basic questions about

your age and health
your spouse's age and health
your children
your current life and health insurance

Relax. This is not a financial plan. You're not treated as a puzzle. That approach requires the collection of many pieces of your personal information and a preconceived image of the final result. Who wants to share such detail with a near-stranger?

The Actuarial Insurance Review treats you as a mystery. Only a few crucial clues are needed. This is much less intrusive and (almost) enjoyable. The skill comes from asking the right questions.

2. Where are you now?

You bring copies of your current life insurance and health insurance policies. You can also bring legal documents like Wills. This shows your current situation.

Afterwards, the Taxevity team compares what you have with what you need to achieve your goals. If the analysis uncovers gaps or shortcomings, proposals are prepared.

3. Your Next Steps [Meeting 2]

In 2-3 weeks, you have a second meeting to review the findings. Set aside 75 minutes. You'll get a high level summary tailored to your situation. You'll get back any documents you provided in Step 2.

You'll see different ways to provide for your insurance needs, with pros and cons for each. You'll also receive recommendations to consider. This is your chance to ask lots of questions and decide what to do next. This is also when you pay for the review.

Which Pharmacy?

You can fill the prescription with your current advisor or use Taxevity as your pharmacy. Your choice.

By law, insurance products sell at list price to protect you from the nine sources of advisor misconduct. Since you'll pay the same price for the same product wherever you go, you save the hassle of comparison shopping. You also protect your privacy by limiting who has personal information about you.

The Cost

Your Actuarial Insurance Review costs

$625+HST for you and your family, or
$925+HST if you also have a private corporation

If your situation is unusually complex, there may be additional charges. You'll be informed during the first meeting.

Satisfaction Guarantee: If you aren't satisfied, you don't pay.

Conditions

The Actuarial Insurance Review is not for everyone. To benefit,

you need the ability to make decisions and implement the ones you accept. Otherwise, you won't achieve financial peace of mind. Here are reasons to act now.
you live in the Greater Toronto Area

Ideally, you're healthy, wealthy and wise.

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