Family First Consulting.
Life Insurance is about protecting families first.
Every family has a fundamental right to know their entitlements and maximized benefits.
If you have entrusted an institution to manage your assets, you have the right to request complete and accurate information and to be received in a timely manner.
I can help.
The 4 Pillars of Life Insurance.
Expect Exceptional Returns.
You should expect exceptional returns from your life insurance policy. From the institution and the agent. For yourself and your theirs.
Don't Buy Too
Much.
The greatest performance risk is unplanned withdrawal from a well designed life insurance plan.
Life Insurance Is
Extremely Versatile.
Life insurance is a tool that is commonly used in the business and personal financial and tax planning process. However, the results derived from particular applications will reflect not so much the quality of the tool moreso the skill of the artisan.
Proper Analysis
Includes Tax Savings.
While tax rates on virtually every other financial instrument has risen and is expected to increase further, the taxation of life insurance has remained virtually tax-free.
Policy Contract & Company Reviews
When families buy life insurance policies, it is evidenced by long complex contracts. You'd think it's a simple promise but that it is not. You sign for it then they give you a stack of paper about an inch thick. Here's the catch, many do not know what the policy contract states. Last year alone, Canadians invested over $20 billion into these policy contracts.
We can work together to make sense of your policy contracts to ensure families know their options.
It all starts with selecting a fee-based service package below.
Stage 1: Review
Free
1:1 Consultation with Jeff via Zoom or phone
Review of last annual statement and contract
Discussion of policy contract types, performance concerns, and recommendations of next steps
Stage 2: Repair
$1000
Written report deliverable
Address major performance concerns and recommended options
Awareness of exit strategies
Stage 3: Complete Control
$5000
All services from Repair in addition to:
Written detailed summary of insurance holdings
Confirmation of beneficiary and ownership control
Share findings and discussions with executor
All deliverables include the following considerations:
Change Options:
Surrender charges on face decrease
Substitute life option
Savings to insurance (YRT to Level COI)
Insurance to savings (Level COI to YRT)
Cost of insurance changes: guaranteed future COI
Insurance minimization
Business value protector
Single to joint life option
Investment Options:
Fixed rate account deducted first
True market value adjustments
Guaranteed minimum fixed interest account
MERs
Unique investment options
Bonus option
Accessing the Cash Value Options:
Exit strategies
Third party loan facilities
Tax-free access to cash on first death
Tax-free access to cash on disability
Disclosure of hidden options in the policy contract:
Unique contractual provisions
Premium payments, adjustments, reductions
Alternative funding options
Investment options
Increasing insurance amounts
Expert Advice. Supporting You.
No matter your circumstance, you have me on your side.
I can help walk you through your new or existing life insurance policy, the agent selection process, exit strategies, and more, with a free, no obligation consultation to start.
Let's understand your particular circumstance to maximize your benefit.
Receive expert independent advice from 40 years of life insurance experience on policy contracts, review processes, joint field work, and technical administration on a fee-for-service basis.