Build Wealth, Secure Your Future – Start Investing Today!
Helping you get your money working harder, or set up your first savings account! Learn all about the Rule of 72 and how to start taking advantage of compound interest as well as your Financial Independence Number. Basically how much do you need to have saved to retire by a certain age. We will show you the accounts, products and targets you need.
Investing is like planting a tree—the best time to start was 20 years ago. The second-best time is today.
Life insurance ensures your family is protected, no matter what happens.
🟠 Pays off debts & mortgage
🟠 Covers funeral & final expenses
🟠 Replaces lost income
🟠 Leaves a financial legacy
Insurance for everyone
Crafting extraordinary events tailored to your unique vision.
Term Life Insurance
Term insurance is used to solve a temporary problem. Most commonly you will see T10, T20, T30 and anything in between. Term insurance in most cases will expire around the age 85. Although the most cost effective right now, can be full convertible into a permanent policy or renewable when your term runs out.
Whole Life Insurance
Participating Whole Life policies come with amazing benefits. Most commonly referred to as Infinite Banking, Cash Value Life Insurance or Insured Retirement Solution, the product is the same. You set up a life insurance policy and the majority of the money you are paying into it is set aside into an ACCUMULATION FUND. This Fund earns a guaranteed dividend, can be leveraged at 90% of the value or assigned as collateral and borrowed against at 100% value.
Universal Life Insurance
Enjoy flexible premiums and coverage with our Universal Life Insurance, offering long-term protection and an ACCUMULATION FUND. Grow your money tax free, Use the money tax free in retirement and pass on GENERATIONAL WEALTH, while keeping your premiums flexible.
Critical Illness and Disability
Some of the most over looked insurances out there. What happens if you are alive but unable to work? Do you like the thought of your bills being paid? How about your medical expanses, home reno's, or just to be able to take time off and properly heal? The best part is if you never use it you can add a RETURN OF PREMIUM option and get all your money back in retirement!
What do our clients have to say?
Michael Krumins
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John doe
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John doe
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Frequently Asked Questions
Some Food for Thought
Can I get life insurance if I have a pre-existing health condition?
Yes! Many insurers offer coverage options for people with health conditions such as diabetes, high blood pressure, or past illnesses
How much does life insurance cost?
The cost of life insurance depends on several factors, including: Your Age. the younger you are, the lower the premiums. Health Condition good health means lower rates. How much coverage do you want? Higher coverage = higher cost. Type of Insurance as well! Term life is cheaper, while whole life costs more but builds cash value, Universal life is right in the middle!
Example: A healthy 30-year-old can get $500,000 in term life coverage for as low as $20/month!
Do I need life insurance if I already have coverage through work?
Great Question! While employer provided life insurance (group insurance) is a great perk, it may not be enough for full financial protection. Most workplace policies only cover 1-2 times your salary, which may not be enough for long-term security or to even cover your debts. If you leave your job, you lose the coverage. Lastly You can’t adjust the policy to meet your personal needs.
Supplementing your workplace coverage with a personal life insurance policy ensures your family is fully protected, no matter what happens.
1 in 3 Canadians have no life insurance coverage—leaving their families financially vulnerable.
40% of Canadians say they would struggle to cover expenses if the primary earner passed away.
The average funeral in Canada costs $5,000–$15,000—can your loved ones afford it?