Insurance, investments and planning for Canadian families, explained in plain language

I help with life insurance (term, whole, universal and simplified issue), critical illness, disability, cancer and accident cover, health and group benefits, travel, Super Visa, visitor and international student insurance, plus registered savings and investment plans such as TFSA, RRSP, RESP, FHSA, RDSP and segregated funds. Business owners can also arrange key person cover, buy-sell funding and group benefits.

No. Conversations are always free. As an independent broker I am paid by the insurance or investment company when you choose a plan, so you do not pay a separate fee for the advice or for comparing options.

I am not tied to one insurance company. I can compare plans from several carriers, and recommend the one that fits your health, budget and goals rather than the one I am required to sell.

A common starting point is to add up your debts (mortgage, car, loans), the income your family would need to replace for a number of years, future costs such as education, and final expenses, then subtract savings and any cover you already have. In our call we work through your actual numbers together so you do not over or under insure.

Term life covers you for a fixed period (such as 10, 20, 30 or 40 years) and is usually the most affordable. Whole life covers you for your entire life with guaranteed premiums and a cash value that builds. Universal life is permanent cover with more flexibility and an investment component. Each has its own page on this site with a side by side comparison.

Often yes. Non-medical, or simplified issue, plans use health questions instead of a full exam, so approval can be faster. They usually cost more than fully underwritten plans, so we first check whether a standard application would get you a better rate.

Life insurance pays when you pass away. Critical illness pays a lump sum if you are diagnosed with a covered condition, and disability insurance replaces part of your income if you cannot work. They protect you and your family while you are alive and still have bills to pay.

Provincial health coverage can have a waiting period, so most newcomers start with a short term visitor or new immigrant health plan. After that, we look at life and critical illness cover for the family, then registered accounts such as TFSA, RRSP, RESP and FHSA. My start here page walks through the order.

The Super Visa requires private medical insurance from a Canadian insurer with at least $100,000 of emergency coverage, valid for at least one year, and proof of it when applying. I compare several carriers and also explain pre-existing condition rules and refund terms on visa refusal before you buy.

An RRSP gives you a tax deduction now and your withdrawals are taxed later, which suits people in higher tax years saving for retirement. A TFSA gives no deduction but growth and withdrawals are tax free, which suits flexible goals. Many people use both, and the right split depends on your income and plans.

An RESP saves for a child’s education and can attract government grants. An FHSA helps first time buyers save for a home with a tax deduction on contributions. An RDSP is for people eligible for the Disability Tax Credit and can attract government grants and bonds. Each has limits and rules, so check the guide pages and book a call to see what fits.

It depends on the product. Segregated funds, for example, can include maturity and death benefit guarantees, while other investments can rise or fall in value. I explain the risks and any guarantees in plain language before you decide, and you always receive the full policy or fund documents.

Yes. MS Insurance Inc. is licensed in Alberta, Saskatchewan, British Columbia, New Brunswick, Nova Scotia, Quebec, Manitoba, Ontario and Prince Edward Island, and most meetings happen by phone or video, so you can work with me from anywhere in those provinces.

Simple plans such as travel, visitor and some non-medical life policies can be arranged within days. Fully underwritten life, critical illness and disability plans usually take a few weeks because the insurer reviews your application and may ask for medical information.

Call or message me and I will help you gather the forms and submit them to the insurer. I stay involved so you are not left to deal with the paperwork alone, and I review your cover at least once a year as your life changes.

Yes. I only collect the details needed to quote or apply, share them only with the carriers involved, and never sell your information. Details are in the privacy policy.