Insurance planning isn’t about fear. It’s about being ready. Life can change in a second—illness, injury, unexpected loss. A solid insurance plan makes sure that when life shifts, your finances stay strong. I help clients protect what matters most: family, business, and the wealth they’ve worked hard to build.
Life insurance: protection that powers your plan
Life insurance isn’t just a payout. It’s a strategy. It’s peace of mind for your family, stability for your business, and a tool for transferring wealth efficiently.
I help clients use life insurance to fund shareholder agreements, preserve estates, and protect loved ones from debt, probate, or tax stress. If you’re looking at high-net-worth life insurance, we’ll structure it to support everything from succession planning to intergenerational wealth transfer.
Critical illness insurance: financial breathing room when you need it most
A serious diagnosis changes everything. Cancer, stroke, heart attack—they can happen to anyone, at any time. Critical illness insurance provides a lump-sum payment, giving you the ability to focus on recovery without financial pressure.
This coverage helps with treatment costs, mortgage payments, or simply time away from work. It gives you space to think, breathe, and heal—without jeopardizing your long-term financial goals.
Disability insurance: your income’s safety net
Your earning power is your biggest asset. But if an injury or illness stops you from working, that income disappears. Disability insurance protects your cash flow, covering lost wages and preserving your financial plan.
For professionals and business owners, this coverage is especially critical. It’s the buffer that keeps your lifestyle, obligations, and goals intact during uncertain times.
Estate protection with insurance
A lifetime of wealth can be undone by a poorly structured estate. Taxes, debt, and delays can eat into your legacy. Insurance offers a way to reduce that burden.
Whether it’s to cover capital gains tax on a family cottage or provide liquidity when most assets are tied up in a business, insurance is one of the most effective tools for protecting your estate. It ensures your wealth lands where you want it to—intact, timely, and stress-free for your heirs.
Insurance planning for business owners
If you’re incorporated or run a business, insurance isn’t just personal—it’s strategic. I work with business owners to protect what they’ve built and support continuity.
That might mean:
- Life insurance to fund buy-sell agreements
- Critical illness insurance to reduce financial disruption
- Disability coverage to protect income
- Employee benefits that attract and retain top talent
I coordinate these insurance plans with your legal and accounting team to ensure they’re structured efficiently and support your broader goals.
Annuities: income that doesn’t quit
If retirement income is a concern, annuities can offer a predictable solution. A life annuity turns a portion of your assets into guaranteed lifetime income. It’s a steady paycheque, no matter what happens in the market—ideal for clients looking to reduce risk or simplify spending in retirement.
Custom plans that fit your life
No two people have the same needs. That’s why I never recommend off-the-shelf policies. Every insurance plan I design is based on your life, your business, and your long-term goals.
Whether you’re starting from scratch or reviewing existing coverage, I’ll help make sure every piece fits—so you’re protected now and ready for whatever comes next.