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.
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.
Get in touch to book your free consult or policy review.
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.
Your free consult includes:
1:1 Consultation with Jeff via Zoom or phone
Review of your last annual statement and contract
Discussion of policy contract types, performance concerns, and recommendations of next steps
There is no obligation, gimmicks, or upfront costs
The following considerations are always included:
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