Investment & Insurance Services

Investment & Insurance Services Investment, Corporate & Personal Insurance, Commercial & Residential Mortgages (Including Reverse Mortgages, which are different in Canada.

If it's in the insurance world, (except home and auto), I can help. Segregated Funds, Personal and Corporate Life Insurance, Group Health etc.

07/31/2026

People do this with their house, why not do this with your Life Insurance? Accumulate equity inside a Participating Life Insurance policy and then using the equity, you set up a Line of Credit to use the money without exposing it to personal income tax! O yes, it can be done and frankly, there is no limit to this strategy. Why not a Reverse "mortgage" on your Life Insurance policy?

$100,000 a year for about 10 years can create an amazing Equity account! Or $50,000.... Or if able, $1,000,000

Most hear this concept within something called an Immediate Financing Arrangement, where a series of loans accompany the annual premium. Some refer to it as "Be Your Own Banker". What is often lost in the application of this strategy is the accumulation concept. Not everyone wants to continually manage the re-investment of those loans. They like the accumulation with no taxes on that growth! They like the Nest-Egg concept that can be accessed without exposing all that money to a high tax bracket!

Lenders in the Cash Value space have recently started looking at the high level of security in the Cash Value as well as the Death Benefit of these Permanent Policies. Contrary to Real Estate security, Cash Values and Death Benefits in a Par Whole Life policy do not drop! They like it so much that they are starting to offer Lines of Credit against the Policy. Properly managed, this can provide a significant amount of money in retirement years and not a dollar will be lost to Income Tax.

Jeffrey 519 658 3771

Send a message to learn more

07/06/2026

Feel free to pass on my details....

I dared to upload my Non-Ministry Resume to an AI platform and asked "What type of Job I should be looking for? Here is the answer;

Based on your diverse background, you possess a rare and powerful combination of high-level financial management, corporate leadership, and extensive international humanitarian development. You are highly effective at both raising/managing millions of dollars and building long-lasting community and faith-based initiatives.
Because you are fluent in English and French and have operated at executive levels, here are the three strongest job fits for you, along with specific targeted roles:

1. Executive Leadership in Non-Profit & International Development
Your 13 years of charitable organizational growth, founding of a major food bank (Vie & Espoir), and decades of leading humanitarian missions (Haiti, Mexico, Bangladesh) make you an ideal executive for large-scale charities, NGO networks, or faith-based organizations.
• Target Roles: Chief Executive Officer (CEO), Executive Director, or VP of International Operations for a Non-Profit.
• Why You Fit: You understand compliance, scale, and multi-million dollar asset management, but you also possess the deep empathy, cross-cultural competence, and fundraising credibility required to lead a major national or international charity.

2. High-Net-Worth Philanthropic Consulting & Advisory
Your dual background as a Top 1% Financial Advisor (Million Dollar Round Table) and an ordained minister gives you immense credibility with high-net-worth donors, foundations, and financial institutions looking to structure impactful giving.
• Target Roles: Director of Philanthropic Advisory, Head of Planned Giving, or Managing Director of Impact Investing.
• Why You Fit: Your Profitable Giving Specialist (PGS) designation combined with your Masters of Economics background means you can comfortably speak to both corporate boards and private families about complex financial structures, tax-advantaged giving, and micro-financing operations.

3. Chief Operating Officer (COO) / Managing Director in Financial Services
If you prefer to stay on the purely commercial side, your track record of scaling a Private Lending business to $18M, co-managing $90M in capital, and building and selling financial services businesses positions you as a corporate builder.
• Target Roles: Chief Operating Officer (COO), Regional VP of Wealth Management, or Managing Director of Private Lending.
• Why You Fit: You have a proven history of implementing strict HR and audit controls, driving compliance under FSRAO, and managing large scale CRM data mining operations to maintain thousands of client relationships.

I wonder if he has a sense of humour?

Send a message to learn more

04/30/2026

INCOME GUARD PROTECTION FROM RIMI/LLOYDS; There is a new Critical Illness/Debt Relief etc. product that I MUST bring to your attention.

CAN'T AFFORD A FULL CRITICAL ILLNESS POLICY? THIS MAY BE PERFECT FOR YOU. JEFFREY: 519 658 3771

Open to all Canadian Citizens or Permanent Residents 18 - 69 years old.

SIX Critical Illnesses Covered to $25,000 These Critical Illnesses Represent 85%-90% of Critical Illness claims in Canada.

Heart Attack • Stroke • Cancer • Kidney
Failure • Acute Liver Failure • Blindness

But there is more!

If you are DIAGNOSED with one of the Covered Critical Illnesses, there is Mortgage or Rent Payment relief of up to $2,500 per month up to a total payment of $30,000. YES, Debt Payment Relief.

MORE ???

If you are DIAGNOSED with one of the Covered Critical Illnesses, there is Bill Payment Relief of $1,500/month up to a total of $15,000.

Funeral Expenses of up to $10,000 should you died within 12 Months of diagnosis of a covered Critical Illness.

Accidental Death & Dismemberment: Minimum is $25,000, with an optional $50,000.

COST ? Same for Men and Women.

A 40 Year Old = $25.40/month (Plus one $25.00 set up fee) 40 Year Old Smoker = $35.56/month (Plus one $25.00 set up fee)

Qualification; Just 8 Yes or No Questions. Here they are!

Have you ever been diagnosed with, had any signs and/or symptoms of, or had any medical consultations and/or abnormal tests for any of the following disorders?

If you can answer NO to each of these questions, you qualify for Income Guard.

1. Cancer, Intracranial Tumour. YesNo

2. Heart Disease (including but not limited to Angina and Heart Attack) YesNo

3. Stroke, Transient Ischemic Attack (TIA), Peripheral Vascular Disease or Diabetes. YesNo

4. Hepatitis, including Hepatitis Carrier State, Chronic Kidney Disease, AIDS or HIV. YesNo

5. Have you ever had Coronary Artery Bypass surgery and/or Aortic surgery? YesNo

6. Have you undergone any medical or diagnostic tests for which you currently await results or have been advised by a doctor or a specialist to undergo any medical or diagnostic tests which have not yet been completed? YesNo

7. Within the past 5 years, have you had any signs and/or symptoms of, received treatment for, or have been advised to seek treatment regarding Drug Abuse and/or Alcoholism? YesNo

8. Are you a smoker? YesNo

CALL ME: JEFFREY 519 658 3771

Call now to connect with business.

04/28/2026

For those Corporate Owners (HOLDCO) with a retained earnings problem.

If you grow it, you will pay Passive Income Taxes.

If you take it as income, you are facing your Marginal Tax Rate.

If you die, it will all be paid out at the highest possible Tax Rate.

UGH!

Best start thinking about a Participating (Dividend Producing) Whole Life Policy. WHY?

1. All growth inside the Policy is Tax Free.
2. The Death Benefit grows with each Dividend until you stop it.
3. Maximize the Additional Deposit Option and have the Dividends pay for the Policy after 7 to 10 years.
4. As Deposits to Equity Value is nearly 1:1, your deposited Cash can be used as collateral for loans (or not), which are only paid back at either Death or the Termination of the Policy.

A collateral Loan is optional.

You may use such a Loan personally to re-invest the funds into a qualified investment. A re-investment into a Qualified Investment allows you to write off the annual Interest on the Loan. You may also write off the annual Net Cost of Pure Insurance....

RAIN CASH INTO YOUR HOLDCO

CONNECTED CORPORATIONS: If you own 10% of another Corporation, you may have all Dividends paid into your HOLDCO without Taxes being triggered.... You can use those Dividend Deposits to make deposits to your growing Par Whole Life policy.

There is no particular numerical limit to this concept.

Just Google this... and talk to your Accountant.

RESULT:

Everything you Deposit is working for you.

Values do not decrease.

After any Loans are paid up, a significant
Death Benefit will be paid out mostly Tax Free to your Heirs via the Capital Dividend Account to pay Final Expenses et al.

Happy to talk this over: Give me a call. Jeffrey 519 658 3771

Send a message to learn more

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Waterloo, ON
N2L5R9

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