Scott Mallender is an insurance and investment specialist who is committed to protecting your assets while building additional wealth to safeguard your family or business. Scott works closely with his Windsor / Essex County clients by designing and implementing customized solutions that provide greater clarity for their future as well as their estate planning objectives.
With more than 32 years in the life insurance business, Scott has spent the past 20 as an independent life insurance broker, specializing exclusively in Universal Life (UL). As Scott will tell every client, “if it was not for the evolution of these Universal Life products in the late 1990s, I would have been out of the life insurance business.” Scott’s exclusive knowledge surrounding the inner workings of Universal Life insurance, gives him an edge in educating his clients about important milestones and realizing the importance of their personalized financial asset. His motto, “With You, Moving Forward” is in reference to his approach of helping his clients establish clear goals and meeting with them on a regular basis to ensure those goals are achieved and milestones met.
Scott Mallender works with fifteen of the top Canadian Life Insurance companies. His associates include a network of tax, retirement and estate planning lawyers, accountants, underwriters, and actuaries.
Universal Life Specialist
As a Universal Life Specialist in the Windsor Ontario region, Scott strategically uses life insurance as part of an integrated approach to wealth management. By using life insurance as a financial tool, we will create an additional investment portion that will accumulate all growth, tax free, for the life of your policy. Scott is meeting and educating as many friends, clients and all referrals about this last great Canadian tax shelter before insurance tax legislation changes in January 2017.
At the University of Windsor, Scott graduated with an Honours in Human Kinetics and a Bachelor of Education. During his education, he was involved in numerous sports including basketball, hockey, and golf. But it was football that was his favourite, where he quarterbacked the Windsor Lancer football team during the last 4 years of the Lancer’s greatest decade, the 1970s. Scott’s lifelong mentor, Coach Gino Fracas, always had a well thought out practice plan, with every move having a defined purpose. Scott models this approach in not only his successful coaching career, but also with his vision and education of estate planning.
In his earlier years in the life insurance industry, Scott worked with Prudential Assurance, Mutual Life, and finally Clarica. With these companies, he was forced to focus only on the few products they offered. Feeling these limited product choices were not beneficial to his clients, Scott set out on his own to develop a brokerage business that is aligned with his approach of helping others.
Your Personal Direction Program
As a broker, Scott is able to offer a wide range of products and services from a large number of companies giving his clients better and more personalized options. Through Universal Life, tax-free investment options, CRA tax rules and much more, Scott developed the Personal Direction Program. This is a special planning process that directs you toward achieving your financial, business and personal goals. Scott will help you create a personally unique Universal Life product in strategizing everything from your temporary term products up to your estate and retirement goals.