Actuarial & Software Services
Leverage our technical expertise for mathematical projections, policy software development, MTAR / MEC compliance, and policy exempt testing.
Life insurance is ultimately a mathematical product. Armstrong Financial's actuarial and software expertise lets us do what most brokerages cannot: build the models, tools, and compliance checks that underpin sophisticated planning.
We support advisors, carriers, and corporations with the quantitative work behind life insurance.
What We Provide
Mathematical Projections
We model policy cash values, dividends, ACB curves, and death benefits over full policy lifetimes so decisions are based on numbers, not sales illustrations.
Policy Software Development
We design and build custom tools and calculators for advisors and firms to illustrate and manage complex insurance scenarios.
MTAR & MEC Compliance
We test policies against the Maximum Tax Actuarial Reserve (MTAR) and Modified Endowment Contract (MEC) limits to preserve tax-exempt status.
Policy Exempt Testing
We verify that policies remain exempt under the Income Tax Act and stay within accumulation limits over time.
Who This Service Is For
Advisors & Brokerages
Firms that want robust illustration and compliance tooling to serve clients confidently.
Carriers & MGAs
Organizations needing actuarial and software support for product and policy analysis.
Corporations
Businesses that need rigorous modeling of corporate-owned policies and their tax consequences.
Legal & Tax Professionals
Lawyers and accountants who need the actuarial calculations and compliance testing behind policy valuations and structures.
Disclaimer: Armstrong Financial Services Inc. provides independent mathematical policy modeling and financial analysis only. We do not provide formal legal or tax advice. All analysis is designed solely to assist clients and their independent legal and tax counsel in evaluating risk.