- Home
- Our process
Process over products. In that order, always.
Most insurance conversations start with a product. Ours starts with a question: would you prefer to leave more of your wealth to your family and charity, or to the CRA? Everything that follows is built to answer it.
01 Six stations, one guide
A confidential conversation
We start by getting to know you and your family, and what matters to you about your wealth. Then we pose the fundamental question: would you prefer to leave more of your wealth to your family and charity, or to the CRA? Once we understand your circumstances and goals, we present tailored preliminary illustrations in plain numbers.
The insurability conversation
Our strategies hinge on your insurability, so we arrange a confidential discussion with Michelle Roussin, our Head of Tactical Field Underwriting. She gathers the medical and lifestyle information insurers care about. She speaks their language, which is why our cases arrive at underwriters well prepared.
Alignment with your advisors
With your green light, we collaborate with your tax, legal, and other advisors to gather the relevant financial information. An in-depth needs analysis, run on sophisticated planning software, gives a snapshot of where your estate stands today and where it is headed.
Canvassing the market
We design the solution, then canvass the top tier Canadian insurance carriers to find the best offering for you. Product differentiation between insurers is significant. The old adage applies: it pays to shop.
Application and underwriting
With your acceptance we submit the application and oversee underwriting from start to finish. The insurer makes its decision, and we explain exactly what it means before you accept anything.
Ongoing stewardship
Once your contract is in force, we are in touch at least annually to keep the plan current as your estate, your family, and tax law change. Consider us your guide from start to finish.
& One more thing
Nothing we recommend stands alone. Every strategy is checked against your overall tax, wealth, and estate planning, with your existing advisors in the room. That is what two Chartered Accountants consider table stakes.