Family First Consulting.
Life Insurance is about protecting families first. Every Canadian 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.
Get started by telling us a little about you
Trusted By.
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"Years ago, I told Jeff that I wish I had met him earlier. Recently, he asked me why I had said that. I said it would have been good for my clients, good for me, and good for you."
Stephen Altbaum
FCPA + Founder of Lipton LLP Chartered Accountants -
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"Jeff Cait has been my insurance advisor for many years. He's a pleasure to work with. Jeff is a problem solver - knowledgable, creative, efficient, and smart. Better: he's so smart that he knows that he doesn't know everything, so he willingly works in close collaboration with his clients and with other professionals. Jeff has produced excellent results for my family. I recommend him highly."
Harry W. Arthurs
Retired Law Dean and University President -
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"When you speak with Jeffrey, you will quickly realize that you have come across perhaps the smartest insurance strategist that you will ever meet. I found his knowledge and attention to detail, second to none. I am glad that Jeff's expertise has properly protected my family."
Kent Dinning
CEO + Business Strategist
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
Not ready? No problem.
We have a host of resources from our latest books to our Youtube channel that provide in-depth information and cases from Canadians across our country.
Buy Our Latest Book (Available on Amazon Canada)
You've built a successful business. And you're sitting on some company cash in the corporation. I bet if you're like a lot of the business owners that we talk to, you're probably just getting hit with advice from every direction like, ‘keep it in the corporation’, ‘invest it in the markets’ or 'we’ll create super complicated structures’. It's kind of enough to make your head spin, especially when you're really just trying to figure out the smartest way to manage that wealth for yourself, your family, and your future, all without getting totally lost in a sea of financial jargon.
Throughout this book, we'll explore these concepts in detail, providing you with a framework for evaluating your options based on established principles rather than sales pitches. We'll tackle the myths and misconceptions that plague trapped cash planning and offer clear, actionable strategies supported by mathematical analysis.