Never learn to do anything: if you don't learn, you'll always find someone else to do it for you.
— Mark Twain


How good are you with numbers?

The battle for financial literacy focuses on investments. Another important but more complex world gets ignored.

Life and health insurance combine four complicated specialties:

  1. Risk: This is the core of insurance. What's the right amount of coverage? How do you select and configure the right product? Which insurer excels at keeping promises?
  2. Accounting: Insurance offers powerful tax advantages. What's the best way to pay for the coverage? Where's the best place to receive the proceeds?
  3. Investments: Permanent life insurance allows tax-sheltered growth for passive and active investors. There are opportunities for leveraging. You can consider insurance as another asset class.
  4. Law: You're really buying a complicated legal contract which you can't negotiate. What does it say? What does it mean? What's left out?

This site promotes insurance literacy, especially for life and health protection. The focus is on Canadians but the general principles are universal.

Actual Mileage Will Vary

The content here is meant to be accurate and objective. However, use your judgment and consult with advisors you trust before acting. If have insurance-related questions and you're in the vicinity of Toronto, consider Taxevity.

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