Free 30-minute Discovery Conversation
We want to ensure this is the right process & fit.
If you agree to move forward we will schedule our first full session.
During Covid 19 we will meet via video chat or phone.
Protect What Matters Most
You can’t predict the future, but you can protect your family. Insurance is a key part of financial well-being, offering peace of mind and financial security. Learn about the different types of insurance and receive expert support in choosing the right coverage. You can make an informed, pressure-free decision.
Surprising Truths About Life Insurance
It's a Strategic Financial Tool to Build Your Wealth
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Access Cash Value for Future Needs and Opportunities
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Accumulate Wealth through Tax-deferred Growth
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Optimize Retirement & Estate Planning for Long-term Impact
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Ensure Business Continuity with Proactive Planning
AND it ...
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Provides a Tax-Free Death Benefit to the people you love.
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Covers your financial commitments like a mortgage.
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Helps your family maintain their standard of living.
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Covers death-related expenses.
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Tops up your employer's coverage.
What Coverage Meets Your Needs?
You choose how much insurance you need.
The younger you are, the lower the cost of your premium, no matter what type of coverage you select. You can change your insurance as your needs change. We will explore add‑ons and riders that fit your unique needs. Consider renewing to meet retirement or estate planning needs. Take the time to get coverage that works for you.
PROTECT THOSE YOU LOVE
Life Insurance is for any stage of life.
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"Term" for mortgage protection, survivors' needs and end-of-life costs.
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"Participating" for cash values and lifelong protection.
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"Universal" for flexible, tax-preferred investment options.
SAFEGUARD
YOUR LIFESTYLE
Focus on recovery NOT how you will pay the bills with:
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Critical Illness
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Income replacement & Disability Insurance
COVER LIFE'S EXTRAS
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Personal Health Plans for Health, Vision, and Dental Coverage
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Post-retirement Health Plans
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Travel Insurance
CHOOSE GUARANTEES
& TAX REDUCTION
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Segregated Funds for:
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Tax-Deferment,
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Investment Growth,
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Retirement Income &
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Private Wealth Transfer
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(Typically used for lump sums)
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Annuities for Income
Who Has The Right Price?
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BMO
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Beneva (SSQ)
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Canada Life
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Canada Protection Plan
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Foresters Financial
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Desjardins
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Empire Life
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Equitable Life
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Industrial Alliance
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Ivari
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Manulife
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RBC
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Sunlife
That's right, you decide what you need and how much you want to pay and I do the comparison shopping for you! I sell products for all the companies above.
Your Partner in Financial Well-Being
Working with a BC Licensed Insurance Agent, Professional Financial Planner, Registered Retirement Consultant (RRC®), Certified Tax Preparer, Myers-Briggs Coach, and communication expert like Karen offers unbiased advice tailored to your needs. She will explain insurance benefits and help you choose the proper coverage.
No Charge for Sessions when purchasing a policy.
To learn about insurance and how it fits into your life go to Financial Essentials Session.
Let's Get Started
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It can take a couple of sessions to decide on the right product.
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My back office time is required to comparison shop.
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The Application Session can take 60 - 90 minutes.