Life Insurance and Wealth Protection Advisory Services
You have worked hard for your money. Don’t let poor planning take it away from you.
Livewell’s life insurance and wealth protection advisory service code-named Taxsmart Legacy Triad is an integrated approach that aligns life insurance and financial planning with the broader life goals and aspirations of high-income earners in Canada.
It is a unique framework that helps affluent Canadian residents turn life insurance and financial planning into a powerful financial strategy – one that aligns wealth with values via investment management, mitigating taxes, taking care of heirs, protecting assets, charitable strategies, and lifestyle services. It’s not just about coverage, tax efficiency, asset protection, and generational wealth. It’s about control, growth, living well, and peace of mind.
Discover how to keep more of what you earn, remain liquid, protect your assets, and pass on your wealth to your family and future generations without offending the CRA.
Life Insurance and Wealth Protection Advisory Services
You have worked hard for your money. Don’t let poor planning take it away from you.
Livewell’s life insurance and wealth protection advisory service code-named Taxsmart Legacy Triad is an integrated approach that aligns life insurance and financial planning with the broader life goals and aspirations of high-income earners in Canada.
It is a unique framework that helps affluent Canadian residents turn life insurance and financial planning into a powerful financial strategy – one that aligns wealth with values via investment management, mitigating taxes, taking care of heirs, protecting assets, charitable strategies, and lifestyle services. It’s not just about coverage, tax efficiency, asset protection, and generational wealth. It’s about control, growth, living well, and peace of mind.
Discover how to keep more of what you earn, remain liquid, protect your assets, and pass on your wealth to your family and future generations without offending the CRA.
Why This Matters
Most high-income earners in Canada unknowingly lose thousands of dollars every year in taxes and missed opportunities.
That’s where we come in. Our 3-step strategy helps you:
Protect your assets
Reduce your tax bill legally
Grow your wealth safely
Access tax-free money
Protect your family’s future
Sleep easy at night
Leave a lasting legacy
How It Works
3 Steps to Smarter Financial Protection, Growth, and Legacy
Step 1
Book a 20-Minute Consultation – We discuss your values, goals, income, and current plan.
Step 2
Get a Custom Strategy – We show you how to use your life insurance along with other financial planning tools to protect and grow your wealth tax-efficiently.
Step 3
Build a Lasting Legacy – Together, we create a customized Taxsmart Legacy Plan that saves you money, makes you more money, and helps you preserve and pass on your wealth with minimal tax liability.
You Deserve The Best Insurance Advisor In Canada As Your Wealth Protection Advisor
Meet Our Principal Advisor, Prof. Joy Olotu - Your Smart Insurance & Wealth Protection Advisor
Joy is a university professor turned licensed insurance and wealth protection advisor helping high-income earners in Canada protect what matters most to them.
Professor of Peace of Mind, as Joy is fondly called by many, is passionate about helping high-income professionals, families, and businesses turn financial confusion into financial confidence and peace of mind.
Joy’s mission with Livewell Consulting is simple: Make wealth protection, growth, and transfer simple and tax-efficient.
Wealth Protection Isn’t a One-Size-Fits-All
Every client’s story is unique, and so is their plan.
We'll help you find the right protection and growth mix for your unique situation.
Life Insurance
Life Insurance
Turn life insurance into a smart wealth tool.
Most people think life insurance is just for emergencies or death benefits only. But the truth is: the right plan helps you create cash flow, grow your wealth tax-free, and build lasting financial security.
We show high-income earners in Canada how to use life insurance to build cash value, access tax-free money, and leave a legacy that keeps paying them and their families across generations.
Existing Insurance Policy Review
Existing Insurance Policy Review.
Your current insurance policy might be costing you more than you think.
Many professionals have insurance plans that don’t really fit their goals or needs. Some pay too much in premium, some are under-protected, while others are missing hidden benefits.
We serve as the second pair of eyes that you need to have a balanced look at your existing policy for better clarity. We’ll review your existing policy, find the gaps, plug the leaks, and help you get more value out of what you already have so your plan can meet your goals and satisfy your needs.
Financial, Tax and Estate Planning
Financial, Tax, and Estate Planning
Protect your family and your fortune without losing a big portion to taxes.
You’ve worked hard to build wealth. Now it’s time to protect it smartly.
We help you plan smarter so your family inherits peace and prosperity, not tax obligations.
Our TaxSmart Legacy Triad shows you how to integrate life insurance into your overall financial planning strategy to enable you to go beyond returns to a life of amazing significance. It is a unique framework that facilitates smart investment management, tax planning, estate planning, asset protection, and charitable planning to help you secure your legacy for your family and future generations.
Existing Insurance Policy Review
Business Protection Plans
Your business is your legacy. Protect it like one.
Your business is your life’s work. Don’t leave it unprotected.
We help entrepreneurs in Canada create smart protection plans that keep their business, employees, and family safe, no matter what happens.
From Corporate-Owned Permanent Life Insurance, Key Person Insurance, Tax Liability Insurance, Cyber Insurance, to tax-smart exit strategies, we help you prepare for the unexpected so your business stays assured and your family stays secure at all times.
What Our Clients are Saying
“Joy was efficient, diligent, and highly professional in assisting me to secure my life insurance.
She clearly explained my options, followed up promptly, and handled the process smoothly from start to finish.
Her empathy, patience, and genuine concern made the experience stress-free, and her support was instrumental in achieving a successful outcome.”
Dr Gom (Consultant Pediatrician)
Nova Scotia Canada
“Joy Olotu is arguably the most experienced insurance broker that I have had the privilege of working with.
I can’t say enough how helpful she has been. She answers all of my questions, day or night.
She takes the time to carefully cultivate the best policy based on her clients needs and background. Before settling for Joy, I was approached by several brokers whose suggested policies were higher premiums and smaller returns.
It is rare to find someone so professional, reliable and genuinely invested in helping you get the best deal. Excellent service, highly recommended!”
Ms Mwesigwa (Building Automation Systems Specialist)
Ontario, Canada
“I had an excellent experience working with Joy. From our first conversation, she demonstrated exceptional knowledge of insurance products and took the time to understand my personal needs before making any recommendations.
What stood out most was her honesty and clarity. She explained my options in simple terms, ensured I understood my coverage, and helped me secure a policy that offered strong protection at a very competitive rate. Throughout the process, she was responsive, patient, and highly professional.
Even after the policy was in place, Joy continued to provide outstanding support, promptly addressing questions and assisting with updates when needed. Her dedication to client service and attention to detail gave me real peace of mind.
I would confidently recommend Joy to anyone looking for a trustworthy, knowledgeable, and reliable insurance broker.”
Prof Oye (University of Lethbridge)
Alberta, Canada
“Landing in Canada as a new immigrant, I had to get insurance because of any emergency that may arise in the future.
Joy Olotu was the only person that crossed my mind when the decision to get courage became necessary.
I knew nothing about insurance, what the different packages entails, and the package that will suit me.
When I reached out to Joy, she was able to analyze each package and advised me on which to choose considering my marital, employment, and financial status at that moment, but assuring me that I could adjust the package whenever I wanted to.
It’s been two years now, and I have no regrets with the package I chose. Since then, Joy Olotu hasn’t just been my insurance advisor, but we have built a solid relationship.
She is trustworthy, transparent, efficient and quick with any questions I ask. I highly recommend her and Livewell’s services for anyone who really wants to secure their future by purchasing the best insurance policy possible.”
Ms Bernard (Chief Executive Officer, Jojo Bernard’s Couture)
Ontario, Canada
“Joy is consistently honest and prioritizes the best interests of her clients over financial gain. We were classmates in secondary school, and she has always been sincere, hardworking, and trustworthy. She is highly skilled, well-educated, forthright, and genuinely committed to helping her clients.
Joy goes above and beyond to explain every detail and provide transparent feedback, especially when guiding clients through insurance coverage options. I have personally used Joy’s services, and she demonstrated remarkable flexibility and dedication. Even when challenges arose, she exceeded expectations by advocating on my behalf, appealing decisions, and ultimately securing the coverage she initially promised.
I confidently recommend Joy. She brings extensive experience in financial health and insurance, communicates with complete honesty, and truly cares about the people she serves. I am extremely satisfied with the support she provided and the coverage I received. Without hesitation, I would give her and Livewell Consulting a five-star rating.”
Dr. Ajuwon (Award winning Family Physician, Nova Scotia)
Canada
“Working with Prof. Joy Olotu was such a positive experience. She took the time to carefully review my insurance policy and helped me uncover benefits I didn’t even realize I had access to.
Her professionalism, clear explanations, and genuine care made everything easy to understand and stress-free. I’m truly grateful for her help and would highly recommend her and Livewell Consulting's services to anyone looking to get the most out of their insurance.”
Mr Tawose (Health Quality Improvement Specialist, Saskatchewan)
Canada
Take the First Step Toward Your Financial Protection, Prosperity, and Peace of Mind
Book your 15-minute consultation today – no pressure, no jargon, just clarity.
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