Our insurance planning starts with one simple question: what could derail your family's plans? We focus on protecting your income, your assets and your family's future against the unexpected, like a serious illness, a disability or a death.
We are not a captive agent, which means we don't work for one single insurance company. We act as your independent shopper, comparing coverage from a range of Canadian insurers so the recommendation fits you, not a sales quota.
What we help with
- Life insurance, to look after your family and pay off debts
- Critical illness insurance, a lump sum if you are diagnosed with a covered illness
- Disability insurance, to replace part of your income if you can't work
- Health and dental coverage, especially if you don't have a workplace plan
- Travel insurance for trips outside the province or country
- Reviewing coverage you already have through work or the bank
How it works
- Find the gapsWe look at your income, debts, family and existing coverage to see what is, and isn't, protected.
- Right-size itWe work out how much coverage makes sense, so you're not under-insured or paying for more than you need.
- Shop the marketWe compare options from multiple insurers and explain the differences in plain language.
- Review over timeLife changes. We check in when you buy a home, have a child or change jobs.
Common questions
I have insurance through work. Is that enough?
Sometimes, but group coverage often ends when you leave the job and may not be enough for your family. We can help you check.
Term or permanent life insurance?
Term covers a set period and usually costs less. Permanent lasts for life and can play a role in estate planning. We'll explain which fits your needs.
Will I need a medical exam?
It depends on the insurer, the amount and your age. Many policies only need a health questionnaire.
Why use an independent advisor?
Because we can compare policies from several companies instead of offering only one company's products.
General information only, not personal financial, tax or legal advice.