FAQ
Common questions before starting.
Is the first consultation free?
Yes. The first conversation is a free 30-minute session or protection review — book a time that works for you using the calendar on the booking page.
Do you work with newcomers to Canada?
Our primary focus is professionals and business owners, but we're happy to help newcomers with foundational guidance as well — plain-language basics on Canadian banking, credit, registered accounts, and insurance.
Do you help with insurance and protection planning?
Yes. Protection planning can include reviewing life insurance, disability coverage, critical illness coverage, mortgage protection, workplace benefits, and business-owner risks.
Can meetings happen virtually?
Yes. Meetings are available by Zoom for clients across BC, Alberta, and Ontario, with in-person options in the Langley and Surrey, BC area and virtual support available Canada-wide.
How is financial planning different from just buying a product?
Financial planning starts with goals, cash flow, family needs, debt, risk, retirement, and future priorities. Products may be considered only after the full picture is understood.
What should I prepare before the first call?
Bring your main questions, goals, current debts or mortgage details, existing coverage if relevant, and any upcoming life changes such as buying a home, starting a family, changing jobs, or growing a business.
How much life insurance do I need?
The right amount depends on debts, mortgage, income replacement needs, dependents, education goals, existing savings, and current coverage. A protection review helps organize those numbers before choosing a policy.
Is workplace insurance enough?
Workplace benefits can help, but they may not fully cover your family, mortgage, income, or long-term needs. They may also change if your job changes. Review workplace and personal coverage together.
What is the difference between life insurance, disability insurance, and critical illness insurance?
Life insurance supports beneficiaries if you pass away. Disability insurance can help replace income if illness or injury prevents you from working. Critical illness insurance can provide a lump-sum payment after a covered diagnosis, depending on policy terms.
Do newcomers to Canada need insurance planning?
Many newcomers are learning Canadian banking, credit, taxes, benefits, and insurance at the same time. Insurance planning can help clarify what coverage protects a family, income, mortgage, or future goals in Canada.
Should business owners review insurance differently?
Yes. Business owners may need to think about income interruption, key person risk, buy-sell planning, business debt, family needs, and succession.