FAQ
Clear, helpful answers to the questions our clients ask most—designed to guide you, simplify important decisions, and give you confidence in choosing the right insurance solutions.
We work with all major types of life insurance in Canada: Term Life, Whole Life, Universal Life, Critical Illness Insurance, and Disability Insurance. We select the right product based on your goals—family protection, savings, investments, or corporate planning.
We review your situation: age, income, debts, mortgage, family size, tax strategy, and overall goals (protection, savings, investment growth). Then we recommend 2–3 tailored options and explain the pros and cons of each.
Yes. We have solutions for new immigrants, temporary residents, students, and clients who are just starting to build their credit history. Many insurance companies accept applications without a Canadian credit score.
Yes. Products like Universal Life (UL) and Participating Whole Life allow you to grow tax-advantaged savings, build retirement income, and transfer wealth to your children with significant tax benefits.
Approval timelines vary. It can take from 24 hours to 4–6 weeks depending on the coverage amount, age, and medical history. For healthy applicants, some companies offer instant approval options.
Yes. As an insurance and investment broker, we help clients open RRSP, TFSA, FHSA, RESP, and non-registered investment accounts, and select appropriate investment solutions with tax-efficient strategies.
Consultations are free. We are paid by insurance and investment companies, so your cost is the same as if you purchased the product directly—no extra fees.
We partner with top Canadian providers including Canada Life, Manulife, Industrial Alliance, Sun Life, RBC Insurance, Empire Life, and others. This ensures we can offer the best options for your situation.
Yes. Child policies provide long-term protection, guaranteed insurability, and tax-advantaged savings. It’s an excellent strategy for families who want to build financial security for their children.