Insurance, savings and retirement products serve different needs. I help you understand the options, starting with your situation.
Life insurance provides a benefit when the insured person dies, subject to the policy’s terms. It can help address the financial needs of those they leave behind.
Critical illness insurance may provide a benefit for a covered illness, subject to the policy’s terms. Disability insurance may replace part of your income when a disability meets the policy’s criteria.
Health and care insurance may cover certain health, dental or travel expenses, depending on the policy. I help you review what it offers alongside the coverage you already have.
Mortgage loan insurance is designed to cover repayment of the loan or certain payments when an event specified in the policy occurs. Covered events, benefits and conditions depend on the protection chosen.
RRSPs, TFSAs, RRIFs and other plans serve different savings and retirement needs. I explain how they work and the investments they can hold, based on the options available.
A registered education savings plan lets you save for a child’s education. Grants may also be available when eligibility requirements are met.
Coverage, guarantees, exclusions and conditions vary by contract. This information is general and does not constitute personalized advice.
I help you work through the details that matter before choosing a product.
We identify what you want to protect or prepare for, with your budget in mind.
We look at your existing policies and plans to understand how they fit your situation.
I explain the costs, conditions and limits of the options we’re considering. We take time to work through your questions.
You decide whether to move forward. I then explain the steps and any assessments required.
A few starting points for our conversation.
I start with your needs, your budget and any coverage or plans you already have. A recommendation requires a review of your situation; these descriptions help you prepare for that conversation.
No. Critical illness insurance applies to illnesses covered by the policy, while disability insurance uses the disability criteria defined in the policy. Benefits and payment conditions vary by contract.
Yes, we can look at your current coverage and the needs it addresses. Before deciding on any change, we need to review the conditions, exclusions and possible consequences.
The plan itself does not guarantee a return. Risk and any guarantees depend on the investments held and the contract chosen. I explain these details before you make a decision.
