Life Insurance

Life insurance isn’t just about what happens after you’re gone — it’s about how confidently you live today, knowing your family is protected no matter what.

Warm Family Hug

A Gift of Certainty in an Uncertain World

Our Guardianship of Assets strategies, which is the third step to achieving total financial freedom, include:
  • Insurance planning
  • Legal protections
  • Risk management techniques
We ensure that your loved ones are well-protected, allowing you to focus on growing your wealth without undue worry.

Providing financial security to beneficiaries upon death as well as protecting your assets is crucial to maintaining financial freedom. This step involves safeguarding your accumulated:
  • Investments
  • Real estate properties
  • Other valuable assets
from potential risks and estate taxes.

Your life insurance payout always goes to whomever you choose — tax-free.

The money can be used to pay bills, the mortgage, kids’ education, wealth for the next generation, or to keep your business running.

Modern Insurance Programs Tailored to You

Meeting the needs of our clients’ risk management and estate planning objectives often involves the use of insurance products.

Today, more than ever, there is a broad range of modern insurance programs tailor-made for specific protection requirements.

As an independent broker, we are ideally positioned to search the market for:
  • The best product
  • At the best price
  • To meet your specific needs

Types of Life Insurance Plans Available

Term Life Insurance

Affordable, temporary peace of mind

  • Provides coverage for a specified period (e.g., 10, 20, or 30 years or to age 65/75)
  • Death benefit paid only if death occurs during the term
  • Lower premium costs than permanent policies
  • No cash value
  • Best for temporary needs:
    • Mortgage protection
    • Children’s education
    • Family income replacement

👉 Find the right Term policy here.

Term to 100

Affordable, permanent peace of mind

  • Life insurance coverage to age 100
  • Considered a permanent plan
  • No cash values or dividends → Lower premiums
  • Ideal for permanent needs:
    • Funeral costs
    • Supplementing income
    • Estate taxes
    • Dependent child care

👉 Find the right Term policy here.

Permanent Life Insurance

Wealth Creation and Protection with Guaranteed Growth
Includes variations like:
  • Whole Life
  • Universal Life
  • Variable Life
All are designed to:
  • Provide lifetime protection
  • Leverage tax advantages
  • Serve estate planning, wealth creation, and insured retirement goals
Used by corporations and high-net-worth individuals to grow and protect wealth efficiently.

👉 Find the right Term 100 policy here.

Life Insurance for Seniors & Hard-to-Insure Canadians

Because Everyone Deserves Dignity, Protection, and Peace of Mind
We specialize in policies for:
  • Seniors
  • Diabetics
  • Individuals with hard-to-insure conditions
✅ No medical exams
✅ Instant quote process
✅ Immediate coverage after purchase
✅ Licensed advisor assistance

Join thousands of satisfied customers who found the right coverage without complications.

👉 Find the right policy here!

Life Insurance Comparison

Comparison FeatureWhole LifeUniversal LifeTerm to 100Term
Period of CoverageLifeLifeTo age 100Depends on term contract (e.g., 10, 20 years). Usually not past age 70 or 75.
PremiumGuaranteed. Usually level.Flexible. Can be increased or decreased within limits.Guaranteed. Usually level.Guaranteed and level for term. Increases with each new term.
Death BenefitsGuaranteed. May increase via dividends.Flexible. Tied to cash value / funding.Guaranteed. Remains level.Guaranteed for the term duration.
Cash ValuesGuaranteed. Builds over time.Flexible. Based on investment / deposits.Usually none. (Maybe small value after 20+ years).Usually none. (Some may have minimal non-forfeiture value).
Non-Forfeiture OptionsGuaranteed (based on cash value).Guaranteed (based on cash value).Generally none.Generally none.
DividendsPayable on “participating” policies. Not guaranteed.Most are non-participating.Most are non-participating.Most are non-participating.
AdvantagesLifetime protection. Cash value. Potential dividends.Flexible premiums & death benefit. Tax-advantaged.Lifetime coverage. Lower initial cost.Lowest initial cost. Convertible.
DisadvantagesHigher initial cost. Less flexible.Complex. Requires funding. Investment risk.No cash value. Less flexible.Premiums rise. Terminates with age. No cash value.

For more info, visit the Canadian Life and Health Insurance Association (CLHIA).

Life Insurance Policy Layering Concept

A well-structured insurance policy provides financial protection throughout all life stages, including:
  • ✅ Covering Mortgage Payments
  • ✅ Providing Income Replacement
  • ✅ Paying Estate Taxes
  • ✅ Establishing Personal Legacies
  • ✅ Covering Unexpected Medical Expenses

Navigating Your Options: The Hexavision Mentorship Advantage

Understanding:
  • • Term Life vs. Permanent
  • • Coverage need analysis
  • • Tax implications
  • • Advanced strategies like Corporate Insured Plans
…can feel overwhelming.

That’s where we come in.

Hexavision believes in empowering Canadians to make smart financial decisions.

🎓 Our Free Mentorship Program Includes:

  • • Education without bias
  • • Personalized policy analysis
  • • Guidance through application
  • • Empowerment through financial literacy
Partner with us.
Choose the path that serves your goals and your loved ones.

👉 Book A Call

Take the first step toward peace of mind and lasting legacy.

Schedule Your Free Consultation
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Tajinder Puri

National Director of Corporate Structuring and Cross-Border Taxation

CPA (CAN/USA), CA

With over 26 years of experience as a Senior Tax Auditor for the Canada Revenue Agency (CRA), Tajinder Puri is a distinguished authority in tax and strategic business structuring. He brings an unparalleled “insider’s perspective” to the Hexavision Team. Tajinder’s clinical eye for detail ensures that our clients’ wealth architecture is not only tax-efficient but stress-tested against the highest level of regulatory precision.

Throughout his two-and-a-half-decade career with the CRA, Tajinder specialized in high-stakes areas including international taxation, cross-border transactions, and tax planning for multinationals. He is a recognized expert in transfer pricing, inter-corporate reporting, and base erosion transactions—sophisticated domains that allow him to identify and neutralize “wealth leakage” for high-achieving families and corporate entities.

Tajinder’s global expertise is backed by an elite set of credentials, including CPA designations in both Canada and the USA, and a Chartered Accountant (CA) designation from India. This dual-border mastery provides Hexavision clients with seamless solutions for international tax minimization, business succession, and complex estate planning.

At Hexavision, Tajinder leads our tax division. He is dedicated to uncovering hidden structural inefficiencies and implementing the advanced, audit-proof strategies required to help our clients stop money leakage and achieve Total Financial Freedom.

Anil (Andy) Sud

General Insurance Specialist & Financial Freedom Consultant

General Insurance Specialist, Financial Consultant

Anil (Andy) Sud is a highly experienced Insurance Consultant with over 42 years in the customer service field. Known for his dedication, reliability, and in-depth knowledge, he brings a passion for exceptional client care to both life and non-life insurance sectors.

Andy excels at building long-lasting, trust-based relationships with clients, approaching each interaction with genuine empathy and a commitment to helping others. His attention to detail ensures clients receive personalized, well-thought-out solutions, while his careful handling of sensitive information provides peace of mind.

Andy’s extensive experience includes working with clients from diverse backgrounds and communicating effectively through face-to-face meetings, online channels, phone calls, and email correspondence.

A skilled communicator, he is fluent in English, Hindi, Urdu, Punjabi, and Dogri, which helps him connect deeply with a broad range of clients. Andy’s dedication to client satisfaction and deep expertise make him a valuable asset in the insurance industry.

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Jorge Ramos

National Director of Advanced Planning, Group and Corporation Strategies

CFP, CSA, CLU, CHS, TEP, Life License, Securities License, RIBO License,

Jorge Ramos is an elite strategist specializing in trust and estate architecture and complex corporate wealth preservation. As a Trust and Estate Practitioner (TEP) and Certified Financial Planner (CFP), Jorge brings an institutional-grade level of expertise to the Hexavision team, ensuring that our clients’ wealth is not only grown but protected for generations.

With over a decade of leadership experience as the National Director of Advanced Planning for two of Canada’s largest financial institutions, Jorge has spent his career at the intersection of high-level strategy and clinical execution. He is a master of navigating the complexities of multi-generational wealth transfer, corporate structuring, and the design of “Legacy Fortresses” that shield family assets from unnecessary erosion.

At Hexavision, Jorge serves as the heart of our implementation process. He doesn’t just design advanced solutions; he leads the execution, ensuring that the theoretical blueprint becomes a functioning financial machine. His ability to translate complex estate laws and tax-efficient structures into actionable steps provides our clients with the absolute certainty that their plan is being built to the highest standard of precision.

Beyond his technical mastery, Jorge is a passionate advocate for financial literacy. He is the founder of ‘Camp Millionaire’ in Canada, a program dedicated to teaching the next generation the foundational life skills of money management. His commitment to education and his clinical approach to strategy make him an indispensable partner in our clients’ journey toward Total Financial Freedom.

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Kanwaljit (Sunny) Kochar

CEO & Founder of Team Hexavision, Retirement Planning and Management Specialist

B.Com, PMP, CBAP

Kanwaljit (Sunny) Kochar is the visionary force behind Hexavision, boasting over 30 years of experience across various industries. His diverse background and innovative approach to retirement planning and management have empowered countless Canadians to achieve their financial dreams.

As a personal financial coach, Sunny collaborates with a team of like-minded professionals to help Canadians grow their wealth three times faster. His holistic strategy not only focuses on getting clients out of bad debt but also on achieving total financial freedom.

Sunny’s approach allows clients to retire early and wealthy without the need for strict budgeting, enabling them to enjoy life’s pleasures—whether that’s taking vacations, treating their kids, or spending quality time with family.

His passion for financial empowerment and commitment to his clients’ success make him a trusted partner in their journey towards total financial freedom.

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