Families, Couples and Individuals

Your family’s future financial security.

I am here to help secure financial freedom for your loved ones from any unexpected life events. 

Life Insurance


Life insurance is like a never-ending gift that keeps on giving! When you pass away, it leaves a one-time, tax-free payment to the person you choose. But here’s the thing: you’ll still need to keep paying your premiums. There are different types of life insurance, and there are ways to make it work for you. It’s not just about protecting your family. It can also be part of your financial plan, so you can access money in your policy while you’re still here.

Term Life Insurance

This is a temporary insurance policy that gives the people or charities you choose as beneficiaries a tax-free payout if you pass away within the time you set. You can use the money to pay your bills, your mortgage, your kids’ education, or to keep your business afloat.

Permanent Life Insurance

This insurance policy is designed to provide lifelong coverage for the people you love. But it’s more than just insurance. Over time, your policy can build value that you can access for cash during your lifetime, subject to certain tax implications. You can access money in your policy through a loan or a withdrawal. And when you pass away, the people you’ve chosen will receive a tax-free payment, similar to term life insurance.  

Health Insurance

Health insurance is like a safety net that helps you pay for your medical expenses. It’s a contract between you and the insurance company that covers certain health-related needs. Depending on your policy, the insurance company will pay for your covered healthcare expenses, such as disability, critical illness, or long-term care. In Canada, some of your healthcare needs are already covered by your provincial or territorial plan. However, it’s likely that government healthcare won’t cover all the medical, dental, or other healthcare costs you might encounter throughout your life. That’s where health insurance comes in – it can help you cover these costs.

Personal Health Insurance

Looking for help covering those pesky medical expenses that aren’t covered by your government healthcare? We’ve got you covered! From dental checkups to prescription drugs and physiotherapy, our affordable plans are here to save the day. 

Disability Insurance

This insurance can provide you with a tax-free monthly payment to help replace your income and cover your expenses if you get sick or hurt and can’t work. While some disabilities are obvious, not all are. Chronic pain or mental health problems can also qualify as a disability.

Critical Illness Insurance

Did you know that if you’re diagnosed with a serious condition, you might be eligible for a tax-free payment? Your contract will specify which conditions you’re covered for, but some common examples include cancer, heart attack, or stroke. 

Investments & Savings Plan

Investing is a fantastic way to grow your wealth. I’m here to guide you through the world of investments and make sure you make informed choices. There are countless investment, income, and retirement options available. Let’s explore some investment plans, accounts, and products that can help you achieve your financial goals.

Mortgage Protection

Mortgage Protection insurance is a safety net for mortgage borrowers. It ensures that if you pass away, the insurance company will either pay off or reduce your mortgage. The money paid out under this coverage is always applied to the remaining mortgage balance. This way, your family can stay in their home even if the person who made the mortgage payments is no longer around.

Registered Retirement Savings Plan (RRSP)

An RRSP is a special savings account in Canada that helps you save for retirement. It’s registered with the Canada Revenue Agency (CRA) and offers some great tax benefits. You can save and grow your money now, and the money you put in is tax-deductible. When you’re ready to take some money out, you’ll pay taxes, but it’s usually a lower rate than what you’d pay today.  

Tax Free Savings Account (TFSA)

A tax-free savings account (TFSA) is not your ordinary savings account. It’s super flexible, so you can use it to save for something you need right away, like a new car or a trip, or you can also save for your retirement. Canadian residents aged 18 or older with a valid Social Insurance Number (SIN) can have a TFSA. And guess what? Any income you earn inside a TFSA, like interest, dividends, and capital gains, is completely tax-free. Plus, you won’t have to pay any tax on any withdrawals you make from your TFSA. 

Registered Education Savings Plan (RESP)

An RESP is backed by the federal and some provincial governments. It’s a great way to save money for your child’s future education. The money you put in the investment account grows tax-free. There’s a lifetime limit of $50,000 per beneficiary, and any extra money you contribute is subject to a penalty tax of 1% per month until you take it out.

Registered Retirement Income Fund

RRIF is like Registered Retirement Savings Plan (RRSP) in reverse. An RRSP helps you save for retirement by making annual contributions. A RRIF does the opposite, requiring you to take minimum annual withdrawals from your savings to help fund your retirement.

If you have more questions, contact me and let’s talk.

Disclaimer: Some information on this webpage might not reflect the current information set by my product partners in the insurance industry as their policies might change without prior notice. Contact me so I can provide you with the most recent information. Thank you.