Are you exploring an Immediate Financing Arrangement (IFA) or other insurance proposal and seeking clarity? We stress-test existing illustrations and design high-efficiency personal and corporate structures alongside your accountant—with our consulting fee waived.
Three-Pillar Insurance Architecture
We engineer insurance solutions that secure foundational Protection, optimize tax-sheltered Growth, and multiply generational and philanthropic Impact.
Why General Knowledge Isn’t Personal Feasibility
For decades, complex insurance relied on information asymmetry. Today, search and AI can instantly explain how any strategy works in theory—yet knowing what is possible in general is very different from proving what is feasible for you. Neither a generic proposal nor an algorithm can see inside an insurer’s pricing levers, evaluate your underwriting reality, or stand behind the numbers.
At Taxevity, we stress-test every option against market reality and explain the built-in trade-offs clearly—anchoring your plan across three architectural pillars:
Protection
Anchor your financial plan by creating the capital required to mitigate risk. Establish a foundation that delivers financial certainty and liquidity precisely when most needed, ensuring your investments and lifestyle remain untouched.
We validate health feasibility first across Disability Insurance, Critical Illness Insurance, and Term Life Insurance—protecting both your family’s earning power and your corporation’s key-person and buy-sell obligations.
Growth
Once your foundation is secure, use permanent life insurance as a highly efficient financial asset. Compound wealth in a tax-sheltered environment while maintaining the flexibility to access capital for opportunities or emergencies.
We test economic feasibility across both personal and corporate balance sheets—whether sheltering passive investment income or deploying capital concurrently through an Immediate Financing Arrangement (IFA) without straining cash flow.
Impact
A successful financial structure maximizes what remains after the final tax bill. Implement mechanisms that offset terminal estate taxes, securing the generational wealth you pass to your family and the enduring impact you leave on the causes you care about.
For incorporated families, we also engineer tax-free Capital Dividend Account (CDA) credits to extract corporate wealth cleanly for estate equalization and strategic philanthropy.
Strategies Built for Your Reality
Incorporated Business Owners (CCPCs)
Transform trapped corporate retained earnings into tax-free Capital Dividend Account (CDA) credits while preserving active business liquidity via Immediate Financing Arrangements (IFAs).
Physicians, Residents & Clinical Fellows
Lock in pristine insurability and Future Income Option (FIO) riders during training—before transitioning to incorporated medical practice and corporate wealth accumulation.
Collaborating CPAs & Wealth Advisors
Partner with an independent Fellow of the Canadian Institute of Actuaries (FCIA) to evaluate client insurance proposals, Subsection 20(1)(c) deductibility, and NCPI schedules.
Actuarial Independence & Continuity
Our Principles (The Manifesto)
Why we never use high-pressure sales tactics, why we never monetize your attention with mailing lists, and why every model is built for your accountant’s scrutiny.
Our Origin Story
How Promod Sharma’s decades of pricing insurance products inside corporate actuarial towers inspired an independent practice dedicated to decoding the truth for clients.
Featured Architectural Blueprints
What is an IFA? An Overview for Canadian Business Owners
For Canadian business owners, an Immediate Financing Arrangement (IFA) solves a key capital dilemma. Discover how this strategy lets you fund buy-sell agreements and estate plans while immediately unlocking capital for reinvestment.
The Risk Paradox: Why Your True Risk Tolerance Might Perfectly Match an IFA
Why does your real-world risk tolerance often plummet when markets drop? Discover why an Immediate Financing Arrangement (IFA) might actually be a safer match for your true risk profile than conventional leverage.
The IFA-Enhanced CDA: A Foundational Guide for Accountants
Unlock trapped corporate capital and access tax-free wealth extraction with the IFA-Enhanced CDA strategy. This approach combines corporate-owned life insurance with an Immediate Financing Arrangement (IFA)—a leveraged strategy where a corporation buys permanent life insurance and uses it as collateral for a loan. Learn how this method can magnify your Capital Dividend Account (CDA) and the key benefits and risks involved.
A Guide to CCPC & Shareholder Taxation in Canada
Understand how funds flow through a Canadian-Controlled Private Corporation (CCPC), from Active Business Income and the Small Business Deduction to passive investment tax traps and tax-free Capital Dividends.
The Medical Fellow’s Financial Blueprint: Navigating Debt, Locums, and Incorporation
Fellowship introduces unique financial variables. Learn how to manage medical school debt, navigate cross-border fellowships, handle locum income, and structurally scale your disability insurance before becoming an attending physician.
A Foundational Guide to Immediate Financing Arrangements (IFAs)
Our foundational guide deconstructs the Immediate Financing Arrangement (IFA), a powerful Canadian wealth strategy for achieving capital efficiency and tax-advantaged wealth growth.