Life Insurance
Protect Your Family’s Future with Life Insurance in Canada.
Affordable, flexible, and tailored to your needs.
Why Life Insurance Matters

Family Security

Financial Protection

Future for Children
Life insurance isn’t only about death benefits — it’s about protecting your family’s financial future.
Whether you are a newcomer, a homeowner, or a business owner, life insurance ensures your loved ones won’t face unnecessary financial stress when you are no longer here to support them.

Types of Life Insurance
- 1 - Term Life Insurance
- Duration : Fixed coverage (10, 20, 30 years).
- Best for : Families with mortgages, young parents, newcomers.
- Pros : Affordable, simple, predictable.
- Cons : Coverage ends at the end of the term (unless renewed at higher cost).
- Example : A healthy 35-year-old can protect their family with $500,000 coverage starting at less than $30/month.
- 2 - Permanent Life Insurance
- Duration : Lifetime coverage.
- Best for : Long-term wealth planning, estate protection, leaving a legacy.
- Pros : Never expires, builds cash value, potential tax advantages.
- Cons : Higher initial cost compared to term.
- Example : Can act as both protection and an investment, allowing you to build wealth tax-efficiently while protecting your family.
- 3 - Mortgage Insurance vs. Personal Life Insurance
- Bank Mortgage Insurance : Protects the bank, coverage decreases as your mortgage decreases, often more expensive
- Personal Life Insurance ( broker ) : Protects your family, flexible (beneficiaries can use payout for any purpose), usually cheaper and more reliable.
- Bottom Line : Mortgage insurance dies with your mortgage. Personal insurance protects your family — not your bank.

How Much Life Insurance Do You Need ?
Protect your family’s future with the right coverage
Life insurance needs depend on your family’s goals and current financial situation.
- Formula :
Life Insurance = (Debts + Mortgage + Future Expenses) – (Savings & Investments)
- Tip :
Adjust the amounts based on your lifestyle, debts, and long-term goals for a more accurate coverage estimate.
Example | |
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$350,000 |
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$20,000 |
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$60,000 |
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-$40,000 |
Total Coverage Needed | $390,000 |

Why Work With a Broker Instead of a Bank or One Company?
As an independent financial advisor:
- I don’t work for one company — I work for you.
- I compare Canada’s top insurance providers (Manulife, Sun Life, Canada Life, iA, RBC, Desjardins, etc.).
- My goal : Find the best price and product that fits your unique needs.
- Insurance FAQs
Is life insurance expensive ?
Not necessarily. Term life insurance can cost less than your daily coffee.
Can I change my coverage later ?
Yes, most policies can be converted or adjusted as your life changes.
I already have insurance at work. Do I still need personal coverage ?
Group plans often end when you change jobs. A personal plan stays with you for life.
Next Step : Protect Your Family Today
Don’t wait until it’s too late. Book a free consultation to discover:
- How much life insurance you actually need.
- Which policy fits your family’s goals.
- How to get the best coverage at the best price.
Have any question about life insurance?
Our team can answer all your questions, understand your situation and help you build a plan