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- Our process
Process over products. The plan comes first.
Most insurance conversations start with a product. Ours starts with a question: would you rather leave more of your wealth to your family and your charities, or to the CRA? Everything that follows is built to answer it.
01 Six steps, 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 two fundamental questions. Would you rather leave more of your wealth to your family and your charities, or to the CRA? And if something had happened to you yesterday, would those you care about have clarity about your intentions, or would they be left to make decisions without your guidance? An early step is making sure your wills and powers of attorney are current, because they define what your estate plan is today. 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 highly 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. This work is led with James Deakin, ASA, CFP, CLU, ACIA, Senior VP, High Net Worth and Insurance Sales at TruStone Financial. James began his career in life insurance product development and brings a 35+ year actuarial perspective to how each policy is structured and priced. 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 Michelle Roussin, our Head of Tactical Field Underwriting, oversees the underwriting from start to finish. Submitting an application does not obligate you to anything. The insurers respond with their offers, we explain exactly what each one means, and only then do you decide whether to proceed.
Ongoing stewardship
Once your contract is in force, at least one review every year to ensure your plan remains appropriate as your circumstances and tax rules evolve. 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 Professional Accountants consider table stakes.
