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I could write a book on Permanent Insurance, but I will do two articles on it, covering:

 

  • Reasons for Permanent Insurance (PI)
  • Types of PI and Initiation to Mortality Curve
  • Tax Environment of Cash Value PI
  • UL and WL in more details
  • Pricing issues and lapse rate
  • Capital Gains tax and Joint & Last to die coverage
  • Cash Value PI as an investment?
  • PI as a portion of your investment portfolio

BSc., CLU, CFP®, Pl. Fin.

Founder, Chairman and Chief Advisor.

Michel Guimond

Best pension financial advisor in the Ottawa region.

Michel studied at Laval University, in Quebec City, and obtained a Bachelor’s degree in actuarial science in 1985. He worked at Metropolitan Life (MetLife) in Ottawa (and stayed in the region since then!) from 1985 to 1990 in the actuarial department, and obtained his Associateship from the Society of Actuaries (Illinois, USA), in 1988. In 1990, he decided to jump on the other side of the fence and to become a Financial Planner to help people with their finances.

In 1993, he went to Great-West Life (GWL) as a sales manager, then Regional Life manager in 1997.

In 2000, he left GWL to join a group of actuaries and financial planners and start giving retirement seminars for the Retirement Planning Institute (RPI), the largest provider of retirement seminars to the public function pensionneers. Since the year 2000, Michel has been the leading financial planning seminar facilitator at exclusive events for public sector employers and employees.

Over 700 seminars later, he still does retirement seminars and provides financial plans to over 500 families.