Not all life insurance is created equal. And not every family needs the same thing. I help you understand:

• Participating Whole Life (the backbone of generational wealth)

• Term Life (temporary, strategic coverage for debt and dependent years)

• Universal Life (when it’s useful, when it’s not)

• Stacking, structuring, and long-term cost control

• When insurance is a tool — and when it’s a liability

You’ll know exactly why a recommendation is made, what it does, and how it protects your family’s future.

Children’s policies are often sold wrong. I structure them the right way:

• High early cash value

• Proper long-term insurability

• Intergenerational leverage for future housing, education, and stability

• Realistic premium design built for the household budget

It’s not about “buying insurance for kids.”

It’s about building a financial architecture they can stand on.

The fastest way a family falls financially is through an unexpected illness or injury. I help you choose what actually closes the gap:

• Critical Illness Insurance

• Disability / Income Replacement

• Accident Plans

• Health & Dental (where appropriate)

If you need it, I tell you.

If you don’t, I tell you that too.

For families who want investment options with:

• Principal protection

• Probate avoidance

• Creditor protection

• Built-in guarantees

• Predictable retirement income

I explain every feature, every limitation, and every risk — without the jargon.

You get clarity, not confusion.

For incorporated professionals, trades, and small businesses:

• Corporate-owned life insurance

• Key person protection

• Buy-sell funding

• Tax-efficient compensation design

• Shared ownership structures

Good corporate insurance isn’t about “covering the business.”

It’s about stabilizing the household behind the business.

Infinite Banking is not a trend, a hack, or a magic trick.

It is a long-term household financing system built through participating whole life insurance — when it is structured correctly, funded intelligently, and aligned with your actual life, not a fantasy spreadsheet.

I don’t teach the American version.

I teach the Canadian reality:

• high early cash value

• disciplined premium structure

• efficient policy loans

• strategic repayment cycles

• family-wide policy architecture

• long-horizon tax efficiency

• intergenerational transfer design

Most people who “try IBC” fail because they’re sold a policy, not a system. I only build systems.

Infinite Banking works when:

• the policy is built for liquidity, not commissions

• the household cash flow supports the design

• premiums are treated as non-negotiable deposits

• the loan strategy is realistic

• the long-term plan exists beyond the first illustration

The goal isn’t to “borrow from yourself.”

The goal is to store capital inside an asset that grows predictably, protects your family, and gives you access to tax-efficient financing for the rest of your life.

Infinite Banking is not for everyone.

But for the right households — disciplined, long-horizon, builder or rebuilder families — it can become the backbone of a stable, multi-generational financial ecosystem.

If your household is ready for structure, strategy, and system-level thinking, Infinite Banking can be the engine behind everything you build next.