Integrated Risk Management & Tax Mitigation Advisory
Call: (403) 816-4127      



Protect What You Love

As a husband, dad and son I can relate to your need to protect your family when it matters the most. 

Families come in all different shapes and sizes – be it blended families, single parent families, same sex marriage families, empty nesters, seniors, or high net-worth families.

I can help you custom tailor the right plan as your family needs will inevitably change throughout your life.

Tailor Made for You and Your Family

As your family grows and changes, your protection needs will also shift. As your marital status, age of your children and spouse, employment and health of your family changes, so should your protection and benefits. Your proactive thinking will provide you with cheaper insurance rates as your premiums increase with age or if your health deteriorates. I will walk you through what you need to know and at what time to make protecting your family seamless. Should you, family or friends need help with your death or disability claim – I am also here to help during these difficult times.

Living Benefits for Families

These are customizable products which provide you and your family with monthly benefits or lump sum payments for injury, sickness, long term care or a terminal diagnosis. 

Within this group of plans you can also access the best medical specialists and treatment in North America for your family very quickly. If you have a group benefit plan through your employer, let's ensure you have a contingency plan for areas that are not covered. 

Leaving your job? Did you know you may have up to 30 days to convert your group benefit plan to an individual (private) plan without medical evidence? Let's review your options.

Click here for examples of Living Benefits
Priority Health Care

This product gives you international access to some of the best treatments and specialists in North America in a fraction of the time. Think Mayo Clinic.

Life Insurance for Families

Disabilities, sickness and death greatly impact families in many ways. The loss of a spouse's income during these times can cause significant hardship. Outstanding balances on a mortgage, car loan(s) or other long-term debts can become big challenges.

Without proper coverage, a family can be forced to sell their home during unfavorable market conditions causing more stress and financial loss. Child care or plans for post-secondary education can also become compromised if you have children.  

For an empty nester without proper coverage you can deplete your nest egg rapidly from a health issue. Alternately you may live longer than expected and as a result not have enough money in the bank for final taxes, funeral costs or gifting a family legacy. 

Should these areas not pose a concern, you should consider other options to bolster your retirement savings (tax deferred).

Click here options for Life Insurance for Families
Term 10, 20, 30, or Pick a Term

One of the most popular products due to its initial low cost. Term insurance provides a tax-free lump sum over a specific 'Term'. Usually 10, 20, or 30 years. Additional coverages include ‘Pick your term’ which provide a specific period or window of time to be protected (i.e. child/spousal support, non-traditional mortgage amortizations, or funding for business succession plans at retirement).

Some common applications for term insurance are: income shortfall of a working spouse, child care, outstanding business or home mortgages, tax liabilities, and post-secondary education for children left behind – are just a few.

Benefits and Riders

To illustrate riders, let's compare this to purchasing a new vehicle from the dealership. Most cars have a base model available. The insurance equivalent can be (but not limited to) your Life, Disability, or Critical Illness policy. Cars also have the ability to have options and accessories added to their base model. This would be like 'riders'. Riders can add one or many different layers of function and value. The benefit of riders is that you can customize your policy to your needs and wants.

Click here for examples of Benefits and Riders
Return of Premium (ROP)

Provides the insured a return of their premiums (tax free). The amount refunded can be 50% to 100% depending on the plan and contract provisions.