Upon marriage or common-law relationship breakdown, we provide the capitalized value of pension benefits when pension benefits need to be divided as family property. We also provide estimates of the spouse’s share of the lump sum value and lifetime pension as if the spouse were to become a Limited Member of the pension plan. To start the process and obtain a fee quote, please complete the Marital Breakdown Pension Valuation Request Form.

We provide expert opinions on the effective annual rate of interest embedded in a series of cash flow or lending contract. The criminal rate of interest is defined in Section 347 of the Criminal Code as an effective annual rate of interest that exceeds sixty percent (60%). This rate must be calculated by a Fellow of the Canadian Institute of Actuaries as required by the Criminal Code. To start the process, please complete the information in the Getting Started section below and we will contact you.

We perform actuarial valuations to determine the present value of the rights of an individual to live in and enjoy a property for as long as the individual lives. A report with the present value of the life interest is generally used for trust variation purposes to compensate the individual for the life interest value so as to allow the remainder beneficiaries to divide the remaining interests of the estate. To start the process and obtain a fee quote, please complete our Life Interest in Estate Request Form.

We perform actuarial valuations to assess the Fair Market Value of life insurance policies. This is required for the transfer of ownership, charitable donation or matrimonial division. There is no market for trading of life insurance policies in Canada to establish a fair value for a life insurance policy. The actuarial valuation provides a best estimate of the fair value – the highest price obtainable in an open and unrestricted market between knowledgeable, informed and prudent parties acting at arm’s length where neither the seller nor the buyer is under any compulsion to transact. To start the process and obtain a fee quote, please complete our Request Form to Assess FMV of Life Insurance Policy.

We perform actuarial valuations to determine the present value of future residual assets donated to a charity. To start the process and obtain a fee quote, please complete our Request Form to Calculate the Present Value of an Asset for Charitable Donation Purposes.

We perform actuarial valuations to determine the past and future loss of income and pension benefits as a result of a wrongful dismissal. To start the process, please complete the information in the Getting Started section below and we will contact you.

We perform actuarial valuations of long term disability benefits for the purpose of negotiating a lump-sum settlement with an insurance company. To start the process, please complete the information in the Getting Started section below and we will contact you.