I simplify the options, explain the trade-offs in plain language, and build a plan around your goals and budget.
Covers you for a set period, such as 10, 20 or 30 years. It is the most affordable way to get a large amount of coverage. If you pass away during the term, your family receives a tax-free payment. There is no savings or cash value.
Covers you for your whole life, usually with fixed payments. Part of what you pay builds a guaranteed cash value you can borrow against later. Participating policies may also earn dividends, which are not guaranteed.
Permanent coverage paired with a savings account inside the policy. You can adjust how much you pay (within limits), and the savings grow tax-sheltered. It rewards people who want both protection and flexibility.
Coverage you can get by answering a few health questions, with no medical exam or blood test. Approval is fast. Premiums are usually a bit higher and coverage amounts lower than fully underwritten plans.
Not sure which one fits? I'll compare them for you, free.
Book a free consultationPays you a one-time, tax-free lump sum if you are diagnosed with a covered illness such as cancer, heart attack or stroke and survive a short waiting period. You can use the money for anything: bills, treatment or rest.
Replaces part of your income every month if illness or injury stops you from working. You choose how long you wait before payments start and how long they last.
Helps pay for care at home or in a care facility if you can no longer manage everyday activities on your own, such as bathing or dressing. It protects your savings and eases the load on family.
Not sure which one fits? I'll compare them for you, free.
Book a free consultationYour money grows tax-free and you pay no tax when you take it out. You can withdraw any time, and the amount you take out is added back to your room the next year. Contribution room builds every year from age 18.
What you put in reduces your taxable income now, and it grows tax-deferred until you withdraw it, usually in retirement when your tax rate may be lower. It can also help fund a first home or your education.
Saves for a child's college, university or trade school. The government adds 20% on the first $2,500 you put in each year, up to $500 a year and $7,200 in total per child, and savings grow tax-deferred.
Combines the best of an RRSP and a TFSA. Contributions are tax-deductible, and withdrawals for your first home are tax-free. You can save up to $8,000 a year, to a lifetime total of $40,000.
Investment funds offered by insurance companies that include guarantees: 75% to 100% of your deposits are protected at maturity or at death. They can pay directly to your beneficiaries and may offer creditor protection.
Turn part of your savings into a guaranteed income for life or for a set number of years. You know exactly what you will receive each month, no matter how the markets perform.
Not sure which one fits? I'll compare them for you, free.
Book a free consultationPays the business if an owner or top employee dies or becomes seriously ill, so it can cover lost revenue, repay loans or hire and train a replacement.
Provides the money for surviving owners to buy the shares of a partner who dies, so the business stays with the people running it and the family receives fair value.
Covers fixed operating costs such as rent, utilities, loan payments and staff salaries if you are disabled and cannot work, so the business stays open while you recover.
Health, dental, vision and prescription coverage for your employees and their families. Flexible plans work even for very small teams, and premiums are generally a business expense.
Not sure which one fits? I'll compare them for you, free.
Book a free consultationA smaller permanent policy designed to pay for funeral, burial and final bills so your family isn't left with them. Applying is simple, often with just a few health questions.
When you pass away, taxes can be due on things like investments, a cottage or an RRSP. Permanent life insurance can pay that tax bill, so your family keeps what you meant to leave them.
Naming beneficiaries on your life insurance and segregated funds means the money goes directly to them, outside your estate. That is usually faster and more private than waiting for probate.
Life insurance can turn modest payments into a meaningful future gift to a church, charity or cause you care about, and the donation can bring tax benefits for you or your estate.
Not sure which one fits? I'll compare them for you, free.
Book a free consultationPays for emergency medical care, hospital stays and getting you home if you get sick or injured while travelling. Provincial health plans cover very little outside your province.
Covers emergency medical costs for visitors, who are not covered by provincial health care. Super Visa plans are built to meet the government's insurance requirements for parents and grandparents.
Reimburses prepaid, non-refundable costs if you have to cancel or cut a trip short for a covered reason, such as illness or a family emergency.
Covers prescriptions, dental, vision and services like physiotherapy or massage therapy. It is ideal if you are self-employed, between jobs or retiring from a workplace plan.
Not sure which one fits? I'll compare them for you, free.
Book a free consultationTap any service to see its options. Explanations are general information; the right choice depends on your situation, and I'll walk you through it.
As an immigrant myself, I know building a future in a new country takes guidance. I meet you where you are.
Meet in person at our Calgary office or online. Applications can be completed either way.
We talk about your family, your goals and what keeps you up at night.
I review your current coverage, savings and gaps in plain language.
You receive clear options compared across carriers, and you decide.
Annual and bi-annual check-ins keep your plan in step with your life.
