The Feasibility Standard

Static projections in a dynamic world
Most insurance proposals rely on static illustrations. They project a straight line of success based on current conditions. However, interest rates fluctuate, dividends vary, and tax rules evolve. A strategy that looks perfect on a PDF today can crumble under the stress of reality decades later, when repairs are expensive or unavailable.
We don’t just accept the insurer’s software output. We use proprietary, internally-built models to design and stress-test the strategy. We verify it’s built to perform in reality, not just look good on paper.
Our feasibility process explicitly checks for:
- Immediate Financing Arrangements (IFA): Are your loan payments sustainable if prime rises?
- Corporate Insured Retirement Plan: Does the structure address CRA concerns about shareholder benefits?
- Corporate Asset Transfer: Is the CDA Credit optimized?
You already have a proposal
You are holding a proposal from another advisor. The numbers look incredible—perhaps too good to be true.
Our Insurance Feasibility Audit provides a second opinion that digs deeper than the projections. We start with our 4 Feasibility Gates.
If the foundation is valid, we prepare an independent Benchmark Model using our internal standards to compare your proposal against the market. This stress-tests the sustainability and structure against reality, not just the sales illustration.
Outcome: You receive a Feasibility Grade and a data-backed recommendation on how to proceed (with your current advisor or us).
You want a new design
You are exploring options. You may have a tax problem, an estate equalization goal, or you want to optimize your financial health. You don’t have a specific proposal yet.
We apply the 4 Feasibility Gates before we design your proposal. This provides the confidence that you are not shown a strategy you cannot sustain.
Outcome: A custom strategy designed specifically for you, built to withstand the volatility of reality.
Your Result: A Clear "Go/No-Go"
Whether auditing a proposal or building a new one, we provide a clear Feasibility Grade (Validated, Conditional, or Deferred). This is an assessment of your position, independent of any sales pressure.
