How Lisa Turned Her Insurance and Real Estate into $1.7M Cash Flow

Clients Success

How Lisa Turned Her Insurance and Real Estate into $1.7M Cash Flow

Aug 27, 2025

Lisa, an education professional who immigrated to Canada many years ago, once faced the same financial dilemmas as many families:

Dividend Insurance: She had purchased a large participating (dividend-paying) policy, but its cash value was “locked up.” Rising premium obligations made her increasingly anxious.
Real Estate: She owned an investment property but was burdened with falling home prices, mortgage costs, repairs, and tenant disputes.

She often sighed: “I have assets, but why does cash flow always feel so tight?”

Everything changed when she met Ai Financial.

Phase 1: Testing the Waters with Confidence

In November 2020, Lisa invested $10,000 of her own savings into Ai Financial’s Guaranteed Fund.
Within months, she experienced the stable performance and liquidity of the fund — realizing, for the first time, that money could truly work for her.

Phase 2: Unlocking Policy Value — “One Dollar, Two Uses”

In August 2021, Lisa made a pivotal decision:
She borrowed $274,000 against her participating policy’s cash value and invested it into the Segregated Fund with Ai Financial’s guidance.

This move transformed her financial picture:

The cash value was no longer idle — it became productive capital.
Fund returns easily exceeded loan interest, covering costs while even helping pay future premiums.
The leveraged policy’s market value rose beyond $400,000, securing her insurance for the long run.

Lisa reflected: “Investment is the real insurance! It not only supports my cash flow but also ensures I’ll never worry about premiums again.”

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Phase 3: Selling the Property — Goodbye Landlord Stress

By 2023, Canada’s housing market was cooling. Falling prices, delinquent tenants, rising repair costs, and higher interest rates left Lisa exhausted.

After reviewing Ai Financial’s analysis of real estate trends, she sold the investment property and redeployed $700,000 into a Canada Life Segregated Fund.

From then on, she was no longer a stressed landlord but an investor benefiting from steady long-term market growth.
In just two years, her portfolio had already grown to $1.1M.

The Results Speak for Themselves

By August 2025, Lisa’s financial results were impressive:

Total capital invested: $980,000
Net profit: $570,000 (with leveraged returns even higher)
Overall ROI: 58%, far outperforming rental real estate or traditional savings.

Lisa smiled: “Being a landlord only earned me stress money. Now, with Ai Financial’s team, I get stable, high returns and peace of mind for my family.”

TFSA Growth

Lisa also maximized her TFSA under Ai Financial’s planning:

2021: $80,000 initial contribution
2022: $6,000
2023: $6,500
2024 & 2025: $7,000 each year

✅ Total contributions: $50,000
✅ Net profit by Aug 2025: $58,000
✅ TFSA ROI: 46%

Conclusion: Direction Matters More than Effort

Lisa’s transformation shows that:

Unlocking policy cash values secures future premiums.
Selling property avoided real estate downturn risks.
Partnering with Ai Financial allowed her to plan, diversify, and enjoy compounding returns.

👉 In an era of economic uncertainty, inflation, tight cash flows, and real estate headwinds, Ai Financial’s insurance loan + guaranteed fund solution has proven to be the ultimate family safeguard.

Ai Financial — your trusted partner in building lasting wealth.

The next success story could be yours.

✅ Total Contributions: $82,658
✅ Total Market Value: $107,984
✅ Overall Return: 30.6%

While others her age are still unsure about money, Cindy’s registered accounts have quietly accumulated nearly $100,000 in value — not just numbers, but real financial strength.

Leveraging Smartly: Make Your Money Work Faster

After gaining Canadian permanent residency, Cindy made a bold move: with AiF’s help, she applied for a government-backed investment loan and used it alongside segregated funds to multiply her gains with controlled risk.