PROTECT YOUR FAMILY
If your income stopped tomorrow, would your family be okay?
Life, disability and critical illness insurance, sized to what your family actually needs, not a rule of thumb.
Protection that fits your life
Life insurance
Term or permanent coverage that pays off the mortgage, replaces income and covers your children’s future.
Disability insurance
Your ability to earn is your biggest asset. Replace part of your paycheque if illness or injury keeps you from working.
Critical illness
A tax-free lump sum if you’re diagnosed with a covered illness such as cancer, heart attack or stroke, to use however you need.
Health, dental and travel
Personal health and dental plans for the self-employed or those leaving a group plan, and travel coverage.
Mortgage and loan protection
Coverage you own and control, often at a better price than the bank’s mortgage insurance.
Before your medical exam
What to expect from the paramedical exam and how to prepare, so the process is quick and stress-free.
How we’ll work together
1. Talk
A free, no-pressure call about your situation and what worries you.
2. Review
I look at what you already have, including group benefits, and show you the gaps on one page.
3. Act
A written recommendation in plain language. I handle the applications and paperwork.
Common questions
How much life insurance do I need?
It depends on your debts, income, children and goals. During our call I’ll run a needs analysis and explain the number in plain terms.
Isn’t the insurance through work enough?
Group coverage is a good start, but it’s often one or two times salary and usually ends when you leave the job. I’ll show you where it falls short.
Term or permanent: which is better?
Term is affordable protection for a set period; permanent lasts for life and can build value. Many families use a mix. The right answer depends on your situation.
Do I need a medical exam?
Sometimes. It depends on your age, the amount of coverage and the insurer. Many applications are now simplified or done by phone.
Not sure where to start? That’s what the first call is for.
20 minutes, no cost, no pressure. Or call 514-975-7373.