Leveraged Insurance (IFA) Audit
Independent analysis of your Immediate Financing Arrangement (IFA): projected net outcome, adverse-scenario stress testing, and exit costs.
Recent CRA regulatory scrutiny and Tax Court decisions highlight the multi-decade risks of leveraged insurance. While licensed to structure IFAs, our firm has deliberately chosen never to sell them.
We provide strictly independent, quantitative policy modeling to help corporate policyholders, CPAs, and legal counsel assess risk and evaluate exit options.
What We Model
Tax-Deduction Disallowance Sensitivity
We model your policy and debt structure under scenarios where interest deductions are restricted, exposing the raw net cash flow required to keep the plan afloat.
ACB & Taxable Policy Gain Trajectory
As a policy's Adjusted Cost Base (ACB) erodes over time, surrendering it to pay down debt can trigger a massive taxable gain. We calculate your exact projected ACB curve and surrender tax exposure.
Macro Stress-Testing
We stress-test your leverage against rising bank borrowing costs and reduced carrier dividend scales (longevity risk).
Exit Cost Analysis
We calculate the exact Net Present Value (NPV) and cash required to unwind the leverage structure today versus executing a phased payoff strategy.
Who This Service Is For
Corporate Business Owners
Seeking an objective, mathematical analysis of their policy's long-term debt trajectory and exit costs.
Accountants & Legal Counsel
Requiring independent policy stress-testing and ACB calculations to support their client advisory work.
Request an Independent IFA Stress-Test
Disclaimer: Armstrong Financial Services Inc. provides independent mathematical policy modeling and financial analysis only. We do not provide formal legal or tax advice, nor do we evaluate or audit the advice, compliance, or representations provided by third-party brokers or external advisors. All modeling is designed solely to assist clients and their independent legal and tax counsel in evaluating risk.