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Use insurance to protect you, your family and your business

Our unique and creative process was developed over our 30+ years of experience of working with clients and real-life experiences. We have learned what works as people progress through life events, and our 30 plus years of experience has more importantly taught us what works even better. This has helped us grow to be an industry leading advisor.

Together we will explore ways to mitigate risk and help you protect what is important to you, your family and your business. Whether you want to protect your income from a disability, protection against a critical illness, want life insurance to pay off a loan or mortgage. We will guide you through all your needs in a way to minimize the cost while providing the right solution from the right insurance company.

Do you own a business? You take enough risk running a business learn to reduce the risk to your business and family. We will show how to use your business in a tax efficient manner and at a lower cost buy using company money.

You will hit many potholes on your journey through life, together we can create a path so that you will stay on course.

Insurance can be a valuable tool for protection when used properly. Learning ways to reduce or eliminate the cost for the protection is one of the areas we excel in. We help you get the most of every dollar invested for your protection.

We know every dollar you spend on insurance is a dollar less towards building wealth. Let’s explore how you can use that same dollar for both protection and to build your wealth.

Learn how to use your tax-dollars to pay your life insurance premiums in a way that you will get the protection you need and be able to use the same dollar to grow your wealth all at the same time.

If you compare investing your money verses putting the same money in one of our custom designed life insurance policies you will be surprised to learn that you will have more money in the life insurance policy than if you just invested the money. Plus, you will have the life insurance coverage to protect your family and or pay your estate taxes. It is hard to believe but it’s true.

Take the next step, call or email us today for a no obligation conversation.

  • What is Insurance?

    Insurance surrounds each of us every day: When you get in ... when you come home to your residence, and while you work. Insurance is always in the background discreetly doing its ... The insurance company then absorbs the risk, not the family. Not only does insurance do its job of assuming risk, ...

  • Avoiding Family Conflicts After a Death

    ... Alternately, without a written estate plan, surviving family members are often saddled with the responsibility of ... families as a result. Many individuals believe that their family is too close to squabble over money or "who gets ... These are decisions to make now, not later. Consider Insurance - Life insurance can be a very useful estate ...

  • Mortgage Insurance: Not Necessarily as Advertised

    ... inevitably asks if you would like to purchase mortgage insurance. No one likes to think about their own mortality; ... - so you decide to accept the bank's offer for mortgage insurance. But beware the policy may actually not provide the ... are not surprises down the road. Be careful with your family's future and do your homework. Not all insurance ...

  • Beware of this Insurance Trick

    ... noticed an additional charge of a little over $3,400 for insurance on the Bill of Sale. When she asked the finance ... for, he said, 'Well, that's for the life and disability insurance for your car loan.' She was left with the ... portable and renewable, and benefits Alicia and her family instead of just the finance company. Alicia also ...

  • Insurance Needs for Small Business Owners

    ... from anticipated business risks, their business and family is left financially vulnerable should the owner fail to show up for work. Protecting a business and a family against the possibility of the death or disability of ... work for an extended period of time? A disability income insurance policy protects against the loss of income due to a ...

  • Get It When You Can

    We've all read or heard about the unlucky family that is wiped out by a house fire and didn't have any fire insurance. All too often, people mistakenly believe that it ... or even declined because of an applicant's health and family history. As the Canadian population, on average, ...

  • How's Your Group Life Insurance ?

    ... and relies heavily on his employee group plan for his life insurance needs. A new single co-worker got the same benefits after only 90-days and Owen wonders if his group insurance can let him down. Owen learned that group benefit ... just left his job. Whether he is employed or not, Owen's family will need money to pay off bills and provide income ...

  • Is Credit Balance Insurance a Rip-off?

    ... or gets seriously ill. Graham doesn't want to stick his family with the balance if he dies before paying it off. The credit card company offered him Credit Balance Insurance (CBI) that would take care of these concerns. After ... he wondered if it was such a good deal. Credit Balance Insurance is just that - insurance. And insurance requires a ...

  • Credit Balance Insurance: Worth the Money?

    ... or gets seriously ill. Graham doesn't want to stick his family with the balance if he dies before paying it off. The credit card company offered him Credit Balance Insurance (CBI) that would take care of these concerns. After ... he wondered if it was such a good deal. Credit Balance Insurance is just that - insurance. And insurance requires a ...

  • Group Insurance Will Look After Me, Won't It?

    ... group benefits booklet because her employer had switched insurance companies. Like most people, she put it aside and ... her group booklet. She was upset to learn that the life insurance coverage with the new insurer was only one times ... cannot rely totally on our employer, the government or family and friends to look after us. Want more control over ...

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