Insurance Company
Building Creative Insurance Solutions For Individuals And Canadian-Controlled Private Corporations
Richard's Expert Insurance Solutions for HNWIs and CCPCs in Canada
As a dedicated insurance agent in Canada, Richard specializes in providing customized creative insurance solutions, manifesting the little-known benefits of these products to High-net-worth individuals and Canadian controlled private corporations (CCPCs).
There is a significant level of ignorance about the variety of benefits these products carry, including Split Dollar Critical Illness Insurance, Infinite Banking with Permanent Insurance, Corporate Owned Life Insurance, and Segregated Funds, etc. By addressing these common misconceptions and providing the necessary insights, Richard enables clients to make informed decisions that enhance their financial security and business stability.
Richard’s services are designed to educate and inform about these advantages, such as optimizing cash flow, easing taxation, providing creditor protection, leveraging cash flow from policy loans while covering your risk mitigation, which are all insurance benefits.
As said by a legend in the industry “specializing in the unique application of a time-tested asset class designed to preserve capital, enhance yield, and having protected our clients’ capital portfolios from major bear market corrections.”
Richard’s commitment lies in nurturing lasting relationships based on trust, transparency, and bespoke advice tailored to your unique needs. He prioritizes your privacy and security with rigorous policies always ensuring the confidentiality of your information, whether online or in person.
Solutions that Richard Brings to Clients
• Tax Efficiency and Planning
o Have your tax advantages through strategic insurance planning?
o Have you understood the tax benefits of an Insurance policy inside of a Canadian Controlled private corporation, especially for a tax free growth, maximizing your CDA credit, and leveraging your cash value to create cash flow?
• Estate Planning
o Have you pre-planned to pay and reduce all of your estate taxes and ensure that your wealth is efficiently transferred to your heirs?
o How will your estate cover settlement costs without the need to liquidate valuable assets?
• Income Protection
o How prepared are you for the financial impact of a potential disability that could disrupt your income, investments, or assets?
o What plans do you have in place to ensure your financial obligations are met if you are unable to work?
• Healthcare and Lifestyle Protection
o Are you satisfied with the coverage limits and exclusions in your current health insurance plan, especially for specialized treatments?
o How important is it for you to have access to top-tier medical facilities and specialists, both locally and internationally?
• Legal Liabilities and Asset Protection
o Are you concerned about protecting your personal and business assets from legal liabilities, lawsuits, and claims?
o How confident are you in your current level of asset protection against unforeseen legal challenges?
• Business Continuity
o What plans do you have in place to ensure business continuity in the event of a partner's death or disability?
o Have you considered how a buy-sell agreement funded by life insurance can protect your business interests?
• Investment Protection and Growth
o Are you concerned about protecting your investments from market volatility and potential losses?
o How important is it for you to have capital guarantees and downside protection while aiming for growth potential?
Our Process
Step 1
Meeting Your Needs
In order to understand your needs, we perform an financial x-ray.. This allows us to truly understand your situation.
Step 2
Our Program Strategy
Our work with Canada’s premier Life Insurance and Healthcare companies helps us tailor solutions to your needs and goal attainment.
Step 3
Implement Solutions
Our strategy focuses on executing with the correct insurer and providing all underwriting requirements including medical and financial statements.
Step 4
Continual Support
Step 1
Meeting Your Needs
In order to understand your needs, we perform an financial x-ray.. This allows us to truly understand your situation.
Step 2
Our Program Strategy
Our work with Canada’s premier Life Insurance and Healthcare companies helps us tailor solutions to your needs and goal attainment.
Step 3
Implement Solutions
Our strategy focuses on executing with the correct insurer and providing all underwriting requirements including medical and financial statements.