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Your insurance needs should be reviewed as part of an overall financial plan to protect against personal and financial hardship due to death or critical illness. As a Chartered Life Underwriter (CLU), I have the experience and expertise to answer the following questions: How much insurance do I need? What is the appropriate type of insurance? How much will it cost? In addition, I can shop the market for the best product at the best price to meet your needs without having to worry about in-house product bias.

Insurance Needs Presentation
  • Insure Right is a multi-media presentation from Manulife which explains the various types of insurance and provides helpful needs analysis tools. Whether you’re single or married, just started a family or you’re ready to retire, you can be sure you have the right insurance with Insure Right.
Life Insurance
  • Term Insurance is the most cost effective life insurance if your need is not permanent.  E.g. mortgage debt.  Many clients buy less expensive Term Insurance (versus Permanent Insurance) and invest the savings in a Tax Free Savings Account (TFSA).
  • Permanent Insurance is an excellent choice when the need is permanent like funeral costs.  It is often used in Estate Planning to equalize the payments to beneficiaries when there is an asset that can’t be split or sold.  e.g. The family cottage
Critical Illness Insurance

Critical Illness Insurance provides a lump sum cash benefit if you’re diagnosed with a life threatening critical illness like Heart Attack, Cancer or Stroke, and you survive the waiting period. Thanks to improvements in healthy living and medical science there’s a good chance you’ll recover and get on with your life. Click here for Gary’s story

CBC Marketplace Story On Bank Mortgage Insurance

Anyone who has, or is thinking of buying mortgage insurance through their bank MUST watch the attached video from CBC Marketplace. The story is about bank CREDITOR insurance sold by staff who are not licensed to sell LIFE insurance. This product is different from LIFE insurance offered by a licensed agent.