Explore our services
Your priorities are personal. Explore each area below, then we can focus on what fits your circumstances, comfort and budget.
Life Insurance
Consider how the people close to you would be supported.
Ask me about thisLife insurance can help provide financial support for people who rely on you. Depending on availability and your circumstances, options may include term coverage or permanent coverage such as whole life or universal life. Policy duration, premiums, features and eligibility vary, so I’ll help you compare the details that matter to your situation.
This May Be Worth Discussing If…
You have family members or others who depend on your income, or you’d like to review the coverage you already have.
We Can Look At
- Who would receive a benefit and how it is paid
- How price and eligibility are determined
- How new coverage fits with your existing plans and budget
Mortgage Insurance
Understand the options connected to your home and mortgage.
Ask me about thisMortgage protection may be offered through a lender or arranged as an individual policy. The structure, ownership, beneficiary and portability can differ. I can help explain the available approaches and compare how they may fit your mortgage, household needs and preferences. The policy contract sets out when a benefit is payable.
This May Be Worth Discussing If…
You’re buying a home, reviewing your mortgage protection, or wondering how coverage through a lender compares with other options.
We Can Look At
- How the coverage is structured and who receives a benefit
- How a change to your mortgage may affect the coverage
- Costs, eligibility and how the option fits your existing protection
Disability Insurance
Think ahead about income if illness or injury affects your ability to work.
Ask me about thisDisability insurance is designed to help protect income if illness or injury prevents you from working, as defined by the policy. Plans differ in how disability is defined, the benefit amount, waiting period and benefit period. I can help you compare these details with any workplace benefits and your priorities.
This May Be Worth Discussing If…
Your household relies on your income, you’re self-employed, or you’d like to understand what support may be available if you can’t work for a time.
We Can Look At
- How the policy defines disability and eligibility
- Waiting periods, benefit amount and duration
- How individual coverage may work alongside workplace benefits
Critical Illness Insurance
Learn how a policy may respond to a covered diagnosis.
Ask me about thisCritical illness insurance may pay a lump-sum benefit after a diagnosis that meets the policy’s definition of a covered illness. Covered conditions, exclusions and other requirements vary by plan. We can review the contract together so you understand what it may provide and where its limits are.
This May Be Worth Discussing If…
You’re thinking about the financial impact or added expenses that could come with a serious illness.
We Can Look At
- Conditions and definitions in the policy
- Any waiting periods, survival periods or exclusions
- Premiums and how a plan fits with your other coverage
Super Visa Insurance
Explore coverage options for a family member’s visit to Canada.
Ask me about thisSuper Visa plans are intended to help with unexpected medical expenses during a family member’s stay and to address applicable insurance requirements for the visa. Plan terms and eligibility vary. Since government requirements can change, check current details with the Government of Canada before applying; I can help you compare available plan documents.
This May Be Worth Discussing If…
You’re helping a parent or grandparent prepare for a visit to Canada and want to understand available insurance options.
We Can Look At
- Applicant eligibility and information required
- Coverage dates, benefits, exclusions and costs
- The policy documents and any current program requirements
Visitor Insurance
Help visitors understand options for unexpected medical costs.
Ask me about thisVisitor plans can help with eligible emergency medical expenses during a stay in Canada. Coverage, eligibility, exclusions and price vary by plan. Some plans may offer options related to stable pre-existing conditions, subject to the insurer’s questions and definitions. We can review the wording and dates that apply to your situation.
This May Be Worth Discussing If…
You’re hosting family or friends from outside Canada and want to compare insurance options for their stay.
We Can Look At
- Who is eligible and what information is required
- Coverage dates, benefits and exclusions
- How the policy treats existing health conditions
Travel Insurance
Plan for the unexpected while you’re away from home.
Ask me about thisTravel plans may include emergency medical coverage and, depending on the plan selected, benefits related to trip interruption or baggage. What is included depends on the policy, destination, dates and traveller’s circumstances. I can help you compare the available benefits, exclusions and costs before you choose.
This May Be Worth Discussing If…
You’re planning a trip outside your home province or country and want to understand the insurance options before you go.
We Can Look At
- Trip details and who will be travelling
- Emergency benefits and any exclusions
- Eligibility, existing-condition provisions and cost
International Student Insurance
Look at insurance options for a period of study in Canada.
Ask me about thisInternational students may need to consider medical coverage while studying in Canada. Available private plans differ, and provincial coverage or school requirements depend on the student’s circumstances and location. I can help review plan options; confirm current requirements with the school and relevant provincial authorities.
This May Be Worth Discussing If…
You or a family member is preparing to study in Canada and wants to understand available insurance options.
We Can Look At
- Study dates, location and eligibility
- Benefits, exclusions and policy conditions
- Any current school or provincial requirements to confirm
Health Plans
Compare options for health expenses that matter in your household.
Ask me about thisPrivate health plans can help with eligible expenses such as prescription drugs and vision care; some plans also include dental benefits. Services, reimbursement amounts, limits, waiting periods and exclusions vary. We can start with the expenses important to you and compare the actual plan details.
This May Be Worth Discussing If…
You’re self-employed, between workplace plans, changing jobs, or reviewing benefits for your household.
We Can Look At
- Services included and reimbursement limits
- Waiting periods, exclusions and eligibility
- Premiums compared with the benefits you expect to use
Dental Plans
Understand plan options for routine and unexpected dental expenses.
Ask me about thisDental benefits may be included in a broader health plan or offered separately. Plans can differ in eligible services, reimbursement levels, limits, timing rules and cost. I can help compare the plan documents against the dental care you want to plan for.
This May Be Worth Discussing If…
You don’t have dental benefits through work, expect a change in coverage, or want to compare plans for your family.
We Can Look At
- Services and reimbursement levels
- Limits, waiting periods and exclusions
- Eligibility and total cost compared with your needs
RESP
Explore ways to save toward a child’s post-secondary education.
Ask me about thisA Registered Education Savings Plan (RESP) helps families save toward a child’s post-secondary education. Government assistance may be available for eligible beneficiaries, subject to current program rules. We can discuss your savings goal, timeline, plan costs and investment choices; check current grant rules with official government sources.
This May Be Worth Discussing If…
You’re saving for a child’s future education or want to review an RESP you already have.
We Can Look At
- Plan rules and who can contribute or benefit
- Investment choices, costs and time horizon
- How the plan fits your budget and savings goals
RRSP
Consider how registered savings may fit into retirement planning.
Ask me about thisA Registered Retirement Savings Plan (RRSP) is a registered savings option commonly used for retirement planning. Available investments, costs and tax implications depend on the plan and your circumstances. We can review options in light of your goals; for advice about your tax situation, consult a qualified tax professional.
This May Be Worth Discussing If…
You’re building retirement savings, reviewing an existing plan, or comparing savings options for the years ahead.
We Can Look At
- Your goals, timeline and comfort with investment risk
- Plan choices, investment options and fees
- Questions to take to a qualified tax professional
TFSA
Make sense of the account and the investments it can hold.
Ask me about thisA Tax-Free Savings Account (TFSA) is a registered account that can hold eligible savings or investments; it is not itself an investment. The options available depend on the provider. We can look at how an account may fit your goals, while you confirm contribution room and tax questions with current Canada Revenue Agency information or a qualified tax professional.
This May Be Worth Discussing If…
You’re opening or reviewing a TFSA and want to compare eligible savings and investment options.
We Can Look At
- Available account and investment choices
- Fees, access and how each choice may fluctuate in value
- Your goals, timeline and contribution room
Understand the details before you decide.
Information on this website is general in nature. Eligibility, terms, costs and availability vary by product and provider. I’ll help you consider the options, ask questions and understand the trade-offs. Coverage decisions remain yours. This website does not issue or bind insurance coverage.
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