01
Term Life Insurance
Affordable, high-coverage protection during your peak earning and obligation years. Convertible structures so you never lose insurability.
- 10, 20, 30-year terms
- Up to $10M+ coverage
- Conversion to permanent
Services
Ten disciplines.
One coordinated plan.
Every engagement begins with a long conversation and ends with a plan you can read, understand, and revisit each year. Below is the full scope of what we build together.
02
Whole Life & Cash Value
Permanent coverage with guaranteed growth, dividends, and accessible cash value — designed as a personal banking asset.
- Guaranteed cash value
- Tax-advantaged growth
- Policy loans for capital
03
Universal Life
Permanent coverage with flexible premiums and adjustable protection. Build tax-advantaged cash value within the policy while keeping lifelong insurance in place.
- Lifetime coverage
- Flexible funding & coverage
- Tax-advantaged policy growth
04
Business & Key-Person
Buy-sell funding, key-person coverage, and executive bonus plans that protect the enterprise you've built.
- Buy-sell agreements
- Key-person coverage
- 162 executive bonus
05
Estate & Legacy Design
Wealth transfer strategies using ILITs and second-to-die policies to move assets efficiently across generations.
- Long-Term Estate and Protection Planning
- Survivorship policies
- Charitable strategies
06
Policy Review & Audit
An honest review of policies you already own — performance, cost, and whether they still fit the life you're building.
- In-force illustrations
- Performance audit
- Restructure when needed
07
Funeral & Final Expense Plan
Pre-arranged coverage that takes care of funeral costs and final expenses, so loved ones are spared the financial and emotional burden during a difficult time.
- Guaranteed acceptance options
- Fixed, affordable premiums
- Funds paid quickly to family
08
Health Benefits Insurance
Individual and family health coverage that fills the gaps left by provincial plans — prescriptions, dental, vision, paramedical, and more.
- Prescription & dental
- Vision & paramedical
- Individual or family plans
09
Travel Insurance
Emergency medical and trip protection for Canadians traveling abroad, visitors to Canada, and snowbirds — coverage tailored to each journey.
- Emergency medical abroad
- Trip cancellation & interruption
- Visitors to Canada
10
Pet Insurance
Protect your pets with coverage for accidents, illnesses, and unexpected veterinary costs — so care decisions are guided by what's best, not by cost.
- Accident & illness coverage
- Vet bill reimbursement
- Flexible plan options
Process
How we work together.
- 01
Discovery
A 30-minute conversation. Your family, your numbers, your concerns.
- 02
Design
I model 2–3 strategies across multiple carriers, side by side.
- 03
Decision
We choose the plan that fits, and only what fits.
- 04
Stewardship
Annual reviews for as long as you own the policies.
Our Partners
