From Building the Products to Building the Plans

Part 1: The Insider

Promod Sharma

The Architect

My parents taught me that we are here to help others.

Becoming an insurance actuary was my way of scaling that impact. By designing better products, I could help thousands of families I would never meet. Even today, the content we publish online helps people who may never become clients, and that fulfills the missionary purpose instilled in me.

I didn't just study insurance. I engineered it.

Before Taxevity, I was an Actuary working inside insurance companies. My job wasn't to sell policies; it was to lead the teams that designed them to be valuable. We built the pricing models, drafted the policy contracts, and created the marketing illustrations.

I know what's inside the "Black Boxes" of insurance products because I helped build them. I understand how mortality charges are calculated, where the profit margins are hidden, and—crucially—how the "guarantees" in a marketing illustration often rely on assumptions that can change.

Part 2: The Gap

Promod Sharma

The Architect

If products work the way advisors illustrate them, how do the insurers make their money?

As I moved through the corporate world, I saw a disconnect. The industry mindset was that insurance was "sold, not bought," creating a culture of information asymmetry. High-net-worth Canadians were being sold complex instruments without understanding the risks.

They were buying based on a PDF projection, unaware of the levers the insurer could pull years down the road. They had accountants and lawyers, but no one on their team who could speak the language of the insurer or challenge the actuarial assumptions.

Part 3: The Pivot

Jeevan Sharma

The Builder

The architecture was only half the solution.

I realized that offering institutional-grade architecting wasn't enough. A blueprint, no matter how perfect, needs a builder who will stick around to see it through. I wanted to bring this level of advocacy to the public, but the scale of the need was too great for one person.

That is when the mission extended to a new generation.

Jeevan's Story: The Builder

"I started my journey pursuing becoming a doctor. After taking a summer to evaluate how I could be of the most service, I realized that I was better suited to improving clients' financial health, rather than their physical. To achieve this, I became a Certified Financial Planner (CFP), and joined my father's mission.

A great strategy fails if it isn't serviced, adapted, and protected over decades. My role at Taxevity is to take that architectural precision and translate it into a living plan for your family. When you build with us, you aren't just getting a policy for today; you are getting a partner who will be there when your children receive the benefits."

Why "Actuarial Grade" Matters to You

• The Right Product: We have evaluated most of the products in the market over our decades of operation. We know how to help you select the right ones and apply them the right way for your situation.
• Stress Testing: We don't rely on projections as they are; we mathematically stress-test structures against adversity.
• Insight: We speak the insurer's language, allowing us to advocate for better underwriting offers.
• Continuity: A two-generation practice ensures your strategy is stewarded for the long term, bridging the gap between your generation and the next.