Our Products


Sounds simple, and we all have an idea of what the product is, but what is it?

  • Universal Life – (i) level death benefit option; (ii) insured amount plus account value death benefit option; (iii) guaranteed investment accounts; (iv) indexed investment account options; (v) single life coverage; (vi) multi-life coverages; (vii) joint life coverages (A)last to die – (a) costs to last death; (b) costs to first death, (B) first to die.
  • Whole Life (participating life) – (i) projected death benefits; (ii) illustrated dividend rate; (iii) investment pool asset mix; (iv) guaranteed death benefits; (v) projected cash values; (v) guaranteed cash values.
  • Term to age 100 coverages – (i) without cash value; (ii) with cash value.
  • Term Insurance – (i) 5 year term; (ii) 10 year term; (iii) 20 year term; (iv) 30 year term; (v) pick a term; (vi) conversion privileges.

Perhaps it is not so simple.

With all of the permutations and combinations, uncovering the appropriate type of policy and design is only the first step in a comprehensive process.


Leverage is common tool used by most successful entrepreneurs.

The benefits include: (i) retaining your own capital while acquiring another income producing asset; (ii) leveraging your capital to acquire a greater asset with a view to maximize the returns on your equity; and (iii) reduce the cost associated with the acquisition of an income producing asset by using borrowed funds.

In the right circumstances, adding leverage to your current and long term asset acquisition and estate plans can be very advantageous.