Learning Center

Start with the need. Then compare the right product.

Short guides to the basics, the tradeoffs and the questions worth asking before you choose.

Life insurance

Protect the people who depend on you.

Each type does a different job. Start with the overview if you're not sure which one you need.

The main types side by side, and the job each one is designed to do.

Coverage for a set number of years, at the lowest cost. Built for the years your family depends on your income.

Coverage that never expires, with a fixed premium and guaranteed cash value.

Permanent coverage with flexible premiums and growth linked to a market index.

A policy sized to your mortgage that pays your family, so the house stays theirs.

A smaller whole life policy for funeral costs and last bills, usually with no medical exam.

Retirement

Where annuities and permanent life insurance fit in the years after work, and in what you pass on.

Turn savings into income you can't outlive, with a choice between certainty, access and growth.

How income needs, annuities and insurance fit into one plan for the years after work.

Permanent life insurance, annuities and trusts used to grow, protect and pass on what you've built.

How a trust holds a policy, keeps it out of probate and decides how your heirs receive the money.

Where insurance and annuities fit beside a 401(k) or IRA for growth the IRS lets you defer.

Book thirty minutes with Sébastien. Talk through your needs and your budget, and which options are worth comparing.