Before You Commit Capital, Get Clarity on the Feasibility.
Is your insurance proposal an objective blueprint or just a one-sided projection? Whether you are evaluating an Immediate Financing Arrangement (IFA) proposal from a bank or wealth firm, or exploring how permanent life insurance fits into your corporate or personal plan, get an objective actuarial evaluation—with our consulting fee waived.
Book Your Feasibility Precheck →A relaxed, open-ended video conversation with Actuary Promod Sharma (FSA, FCIA). No preparation or private financial documents required.
Watch (8:18): How our 3-Phase, 7-Step Actuarial Process uncovers the hidden trade-offs in complex insurance and IFA proposals.
Audit an Existing Proposal
Holding an IFA or corporate insurance illustration from a bank, wealth firm, or broker? We stress-test the assumptions (such as the dividend scale and loan rates), expose built-in product compromises, and benchmark the insurer against the broader Canadian market.
Design a Strategy From Scratch
Exploring how to shelter corporate passive income, preserve your Small Business Deduction, or multiply your after-tax estate? We model your options iteratively from a solid foundation so you and your accountant can compare conventional investing, permanent insurance, and an IFA side-by-side.
Every Insurer and Product Has Built-In Compromises.
As Warren Buffett observed, “At bottom, any insurance policy is simply a promise, and promises vary enormously in their quality.” Standard illustrations bury critical trade-offs inside dozens of pages of dense columns and adjustable software toggles. We evaluate the four factors that actually govern your outcome:
Written Contract
Binding guarantees in writing.
What the insurer contractually guarantees inside the policy provisions—not just non-guaranteed projections.
Proven Delivery
Multi-decade track record.
The true size, risk quality, and continuity of the open participating pool backing your policy.
Modeled Inputs
Stress-tested assumptions.
Testing how your structure behaves under adversity, such as lower returns, higher loan rates, and premium reductions.
Advisor Expertise
Actuarial interpretation.
Exposing hidden trade-offs, such as early liquidity vs. later estate value, 10-pay vs. life-pay, and single life vs. joint life.
The Feasibility Precheck Across Four Objective Gates
Before running a single insurer illustration, we verify that your situation aligns with four objective gates:
Gate 1: Viability
Standard or near-standard rates.
Can you, or a joint or alternate life, qualify so mortality costs do not erode policy performance?
Gate 2: True Surplus
Cash flow or asset reallocation.
Do you have reliable surplus so funding an insurance asset never strains your operations or lifestyle?
Gate 3: Temperament
Guarantees vs. flexibility.
How do you weigh early liquidity against long-term estate values, and tax reduction against simplicity and peace of mind?
Gate 4: Alignment
Protection → Growth → Impact.
Once disability, critical illness, long-term care, and term life are secure, is your driver tax-sheltered growth or after-tax legacy?
How We Turn Complexity Into Clarity: Design, Select, Build
Instead of overwhelming you with multi-insurer quotes on Day 1, our seven-step process resolves your structural design first on a single baseline insurer before benchmarking the market.
Feasibility Precheck
Four Objective Gates & Clear Go / No-Go Outcome.
A relaxed video conversation to confirm health viability, true surplus, risk temperament, and strategic alignment before modeling.
You receive a Validated, Conditional, or Deferred status. If we mutually agree to proceed, our Privacy & Working Agreement confirms our waived consulting fee with zero obligation to apply for insurance.
Iterative Modeling to Age 100
Personalized iterations until you are satisfied.
Iteration 1 usually compares Conventional Investing, Conventional Permanent Insurance, and the Concurrent IFA after loans and taxes under conservative assumptions using one insurer.
Your questions drive Iteration 2 and beyond—often testing cash value timing, different premiums, and single life vs. joint life—continuing until you and your accountant are satisfied.
Preliminary Insurability & Market Benchmarking
Anonymous risk check + The Giants, The Mutuals & The Specialists.
We first check your insurability anonymously without identifying you (so healthy lives avoid diluted pools and rated lives target supportive pools). We then benchmark your exact structure across Stock Giants, Policyholder-Owned Mutuals, and Niche Specialists—evaluating early, mid, and late-life values alongside Open Participating Pool depth.
One Focused E-Application
Avoid multi-insurer underwriting jams.
Applying to multiple insurers simultaneously jams shared reinsurers and risks your fastest offer expiring while waiting on a slower insurer. With upfront design done, you submit one clean application.
Post-Underwriting Recalibration
Verify formal offer before paying $1.
Before you accept policy delivery or pay a dollar of premium, we re-run your after-tax model to age 100 using the insurer’s actual formal offer to verify the exact impact of any modifications.
Lender Alignment & Activation
Restricted Financial Institution & Reason Why recap.
We coordinate a Restricted Financial Institution if you are using leverage, audit the final policy contract against the blueprint, and document the structure in a plain-language recap of the Reason Why you got insurance.
Ongoing Annual Maintenance
Annual NCPI, ACB, CSV & CDA schedules.
Proactive annual reviews to track dividend declarations, manage Additional Deposits and premium offset timing, and supply your accountant with exact tax schedules every year.
Why Our Consulting Fee Is Waived
Because Canadian insurers set fixed rates for a given risk profile, you pay the exact same premium whether you acquire a policy through a bank, a wealth firm, a broker, or Taxevity:
Major Bank
Identical insurer-set premium.
Standard illustration software output without independent cross-market benchmarking.
Wealth Firm
Identical insurer-set premium.
Standard illustration projections focused on internal firm product shelves.
Insurance Broker
Identical insurer-set premium.
Multi-quote shopping without actuarial stress-testing to age 100.
Taxevity
Same premium; 7-Step rigor.
Full iterative modeling, anonymous pre-check, and annual CPA tax schedules—with our consulting fee waived.
How Does the Promise Behind Your Proposal or Strategy Hold Up?
Before you commit capital, start with a relaxed Feasibility Precheck. Invite your spouse, business partner, or accountant if you wish.
Book Your Feasibility Precheck →