Life Insurance Options
Term Life InsuranceProvides coverage for a fixed period, usually 10, 20 or 30 years, often used to help protect income, or dependents.
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Health and Dental Insurance
Individual Health and Dental InsuranceCan help with out-of-pocket expenses such as prescriptions, dental care, and more for individuals without group benefits.
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Group Health and Dental InsuranceAvailable for business owners and teams, with customizable benefit structures.
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Living Benefits
Critical Illness InsuranceOffers a lump-sum payment upon diagnosis of a covered illness. Can help with lost income during an illness.
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Disability InsuranceProvides income replacement if an illness or injury prevents you from working.
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Travel InsuranceHelps cover unexpected expenses such as medical emergencies while travelling outside your home province or country.
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Working With Multiple Insurance Providers |
Independent Insurance OptionsI work with multiple insurance companies to explore a range of coverage options. I work with you to assess your needs and review potential solutions that fit your situation.
I work with individuals, families, and business owners across Hamilton, Stoney Creek, Burlington, Oakville, St. Catharines, Toronto, and more. Whether you’re reviewing coverage for the first time or updating an existing policy, I’m available to help explore options that support your financial plan. |
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FAQs
Is it better to go with an insurance broker or an insurance company?
It depends on your needs. On one hand, an insurance broker, like myself, who works with multiple insurance companies and can compare products to help you find the coverage for your situation. They act as your advocate and are especially helpful if you have unique needs or want to understand all
your options.
On the other hand, going directly to an insurance company means you only see that company’s products. It can be quicker, but you won’t get the same range of choice.
your options.
On the other hand, going directly to an insurance company means you only see that company’s products. It can be quicker, but you won’t get the same range of choice.
When Should You Have Life Insurance? (Top 4 Times to Consider It in Canada)
There are many reasons to consider life insurance, and the right choice depends on your personal and financial situation. Here are four key times when Canadians typically benefit from having life insurance:
- When You Have Dependents
- When You Buy a Home
- When You Get Married or Start a Family
- When You’re Self-Employed or a Business Owner
What’s better: term or whole life insurance?
It depends on your goals and financial situation. Here's a quick comparison for Canadian consumers:Term Life
- Best for: Most people, especially young families or mortgage holders
- Key feature: Lower cost, fixed for a set term (10, 20, or 30 years), no cash value
- Best for: Long-term legacy planning, high-net- worth individuals
- Key feature: Covers you for life, builds cash value, much higher premiums