Fair, fast, and simple.

We do the work for you, at no cost.

Commercial mortgages and business loans and lines of credit can be insured through life insurance policies at a much better rate than creditor policies.
Key-person insurance protects the risk of losing a specific executive or employee critical to business operations.
As a clear succession plan, binding buy-sell agreements subsidized by a life insurance policy can prevent the loss of valuable time, increased expenses, and costly litigation upon causality.
Secure your future and protect those you love. Life insurance covers the risk of one or more persons dying.
Do you have creditor insurance on products such as a mortgage, business, or farm loans through a bank? Life insurance can be used as a replacement, at a significantly lower premium cost. You have more options than you think!
Attract and retain employees with affordable and intuitive group insurance plans. Our customizable plans can meet the needs of any organization, from one employee to 100 or more.
Risk is constant, income isn’t.
Critical illness (CI), short & long-term disability (STD & LTD), injury, and sickness solutions are available to ensure you have the right coverage for your financial environment.
Plan and protect your savings better than the banks.
Insurance-industry segregated funds offer superior protection from investment risk compared to mutual funds, with up to 100% principal guarantees. Instead of risking your investments in stocks, bonds, or mutual funds, keep up with inflation and the cost of living through more reliable insurer options.
Annuities offer payout plans to protect you and your loved ones from outliving retirement savings. Build cash value as you work and receive payout options tailored to your spending habits and financial needs.

Investing in family safety?

Loved ones’ needs outweigh all else upon accident, illness, or passing.

There should be no transferred burden to navigate affected finances. We understand, leave that to us and focus on what matters most to you.

From day one, we work to ensure you and your loved ones receive the proper duty of care with sensible and safe policies.

We offer lifelong personal advocacy by the same advisor from the beginning. It is our job to help — so feel free to grab a nice warm mug of hot cocoa and enjoy your well-deserved peace of mind.

Example Estimates

Michael, 25

Single non-smoker with a T-20 $60,000 student debt protection life policy and a $200,000 guaranteed insurability life rider.
Monthly premium: ~$26
Jade, 30

Non-smoking, family of three with T-10 life coverage for $600,000, a $100,000 critical illness policy, and a convertible $20,000 child policy.
Monthly premium: ~$57
Trevor, 35

Single, heavy smoker with T-10 mortgage coverage for $400,000, and a $1,300/month supplemental income injury policy.
Monthly premium: ~$59
Jenny, 40

Non-smoking, family of four with T-10 mortgage coverage for $900,000, a $200,000 critical illness policy, and a $150/day health care rider.
Monthly premium: ~$168
Anton, 45

Non-smoking family with a T-10 mortgage coverage for $600,000, an accidental fracture rider, and a $2,000/month disability credit rider.
Monthly premium: ~$124
Brenda, 50

Single, light smoker with a T-15 $300,000 life coverage policy and a $100/day hospitalization and home health care rider.
Monthly premium: ~$166

Our Process

Transparency

Contact us for an estimated quote (~10 min), or book a disclosure consultation (~30 min).
Service

Perform a personalized needs analysis together to build your profile and policy plan.
Continued Care

Submit the policy application, await results and enjoy peace of mind with our ongoing duty of care.