Policy Analysis & Consulting
Get expert guidance with comprehensive insurance consulting, cross-border policy reviews, portfolio analysis, policy evaluations (ACB & FMV), and expert testimony.
Existing life insurance policies are rarely reviewed once issued — yet tax rules, carrier performance, and personal circumstances change. A policy that once made sense can become underfunded, overpriced, or tax-inefficient.
Armstrong Financial provides independent, mathematically rigorous analysis of in-force policies so you and your advisors can make informed decisions.
What We Analyze
Cross-Border Policy Reviews
We review US and Canadian policies for compliance, performance, and tax efficiency — including the implications of moving across the border.
Portfolio & Performance Analysis
We benchmark your policies against current market offerings and projected performance to identify gaps and opportunities.
ACB & FMV Valuations
We calculate a policy's Adjusted Cost Basis (ACB) and Fair Market Value (FMV) for tax reporting, corporate transactions, and policy transfers.
Expert Testimony
We provide objective, defensible analysis and testimony to support litigation and dispute resolution involving life insurance.
Who This Service Is For
Policyholders
Individuals and corporations who want to know whether their in-force coverage is still the right fit.
Accountants & Legal Counsel
Professionals who need independent valuations and analysis to support their client advisory work.
Trustees & Estates
Fiduciaries who must value and manage policies held in trust or estate.
Cross-Border Clients
Individuals and business owners moving between the USA and Canada who need their existing policies reviewed for portability and tax treatment.
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.