Meet our team
Simon Kay, as featured on BNN: Insurance as an Asset Class
IPS Insurance offers an exclusive process for securing competitively sourced personal insurance contracts for individuals and businesses. Our typical client is a sophisticated investor who prefers to be a smart buyer, rather than being sold to. Our innovative process benefits our clients, as well as their trusted advisors. To our clients, we bring complete transparency and market clout to the insurance procurement process. For their advisors, underwriting surprises are avoided, creating opportunities for more effective planning and servicing.
Innovative insurance procurement process
No underwriting surprises
IPS Team Bios
Meet our seasoned insurance professionals. Get the IPS team working for you.
What is private client insurance services?
From the blog
We recently had a client come to us for Private Underwriting. For those that are unfamiliar, this is where clients use our own underwriting team to collect everything an insurance company would collect to assess risk. The difference being that we do it independent of the insurance carriers so we can ensure accuracy, context and[…]
As many of you know, 2016 is a big year for life insurance. Tax rules are changing at the end of the year and anything issued before then is grandfathered under the current, more favourable rules. We continue to see an increasing number of clients with odd combinations of health issues through our Private Underwriting[…]
Investors planning for intergenerational wealth transfer need to consider insurance as an asset class. Quite simply, investors have two choices to ensure their estate planning goals are met. They can earmark a portion of assets and invest in vehicles that offer an appropriate level of risk and return. Or they can invest in a life[…]
Do you know someone with a rated insurance policy? How about an application for coverage that has been declined or postponed? Are you having trouble making any sense of a recent underwriting decision? Traditional underwriting processes for life and living benefits insurance can be a trying experience for clients and advisors alike. Long delays are[…]
Underwriting is the most important aspect of the life insurance procurement process – and the least understood by consumers. The insurance industry promotes the perception that underwriting is a fact-based assessment of risk. However, closer examination reveals that life underwriting is more an art, than a science. Anatomy of a Decision Life insurance underwriters base[…]
For clients considering life, critical illness or disability insurance, rated insurance policies can significantly increase the cost of insurance. This, in turn, can negatively impact the overall financial viability of the insurance concept. The savings by reducing the amount of any extra premiums can be huge – especially for older clients seeking larger amounts of[…]