It depends on your situation — your income, your debts, how many people depend on you, and what you want the coverage to do. There is no single right number, and we won't guess at one. In our first conversation we work through those pieces together so any amount we discuss is grounded in your family's real picture.

In general terms, term insurance covers you for a set period, while permanent insurance is designed to last for your lifetime. Which one fits — or whether a combination makes sense — depends on what you are protecting and for how long. We explain both side by side, in plain language, before you decide anything.

It varies a lot from plan to plan, and workplace coverage can change or end when your employment does. Bring what you know about your plan to our conversation and we will review it together, then talk honestly about whether it matches what your family would need.

Yes. Reviewing an existing plan is one of the most common reasons people come to us. If you have your policy details handy, bring them along — we will explain what you have, what it does, and where the gaps might be, so you can decide with clear information.

We read your answers so we understand what you would like to discuss, then we contact you using the method you chose to arrange a conversation about your goals. An inquiry is simply a first conversation — there is no obligation to proceed with anything.

No. Our office is in Surrey, and we work with families and business owners across the Lower Mainland and beyond in British Columbia — in person at our office, or by phone or video if that suits you better. You can read more on our service areas page.

It pays a lump sum if you are diagnosed with a condition covered by your policy, under the terms of that policy. How you use it is up to you — time away from work, household bills, or costs that come up during recovery. The point is breathing room while you focus on getting better.

The covered conditions and their definitions are set out in each policy, and they can differ between insurers. We never want you deciding without seeing them — we walk through the list and the definitions with you, in plain language, so you know exactly what a policy does and does not cover.

They respond to different things. Critical illness insurance pays a lump sum on the diagnosis of a covered condition; disability insurance replaces part of your income while an illness or injury keeps you from working. Many families hold both, because together they address the diagnosis and the income interruption. We explain how they fit together on our disability insurance page.

Health benefits help with treatment, but they usually do not replace your income or cover every cost that comes with a serious illness and recovery. Whether critical illness coverage makes sense on top depends on your situation — that is exactly what our first conversation works through.

Yes — we discuss options with employees and self-employed people alike. If anything, having no employer plan behind you makes the conversation more important. What fits you depends on your individual situation, and we will explain the options honestly, without promising any particular outcome.

We listen: your work, your family, and what worries you most. Then we explain how this coverage works and whether it fits your situation. Book an inquiry and we will contact you by the method you chose — there is no obligation to proceed.

In general terms, it pays a benefit that helps replace part of your income if an illness or injury keeps you from working, after a waiting period set out in the policy. The details — how much, how long, and under what conditions — are defined by the policy you choose, and we explain all of them before you decide.

Often, yes. Workplace plans vary widely — in how much income they replace, how long benefits last, and what conditions apply — and the coverage usually stays with the job if you leave. Bring what you know about your plan and we will review it together, honestly, including if what you have is already a good fit.

Then there is no employer plan behind you, which makes personal coverage worth a serious look. Options exist for self-employed people and contractors; what fits depends on your individual situation and how your income is earned. We will explain what is involved at our conversation — no promises, just clear information.

That depends on the benefit period built into the policy you choose — it is one of the key decisions we walk through together, weighing how long your household could manage without your income. We explain the options and the trade-offs in plain language before you decide anything.

Disability insurance responds when you cannot work, whatever the covered cause; critical illness insurance pays a lump sum on the diagnosis of a specific covered condition. They complement each other — one addresses the income, the other the diagnosis. We explain both on our critical illness insurance page.

Book an inquiry and tell us a little about your work and your income. We will contact you by the method you chose and arrange a conversation. An inquiry is a first conversation only — there is no obligation to proceed.

We offer diversified insurance and investment products arranged through IDC Worldsource. Which products suit you depends on your goals, your timeline, and your comfort with risk — that is what we determine together, in conversation, before anything is recommended.

No — and you should be cautious of anyone who does. Investments carry risk, and values can go down as well as up. Our job is to explain the risks and costs plainly, match options to your goals and comfort level, and review them with you over time. We never promise or guarantee any outcome or return.

RRSP and TFSA planning, Registered Education Savings Plans (RESPs) for the kids, and retirement plans are all part of our conversations. Which accounts make sense for you depends on your goals and your individual situation; we explain how each works in plain language and help you decide where your next dollar does the most good.

With a conversation, not a product. We start with what you are saving for and when, explain your options step by step, and answer every question — that is what a first inquiry is for. Many of our clients started from exactly the same place.

That depends on the product and provider, and on what you are comfortable setting aside — there is no single figure we can honestly publish. Tell us where you are starting from in your inquiry, and we will explain the realistic options for your situation.

We review your plan with you as your life changes — a new job, a growing family, a move, or retirement getting closer all change the picture. How often we check in is something we agree together, so your investments keep matching your goals. It connects directly to retirement planning as that goal gets closer.

Provincial coverage outside BC is limited, and outside Canada it covers only a small part of what emergency care can cost. Travel insurance options exist to cover that gap — emergency medical care and, depending on the policy, trip disruptions. We explain what applies to your trip before you decide.

Yes — coverage options for visitors to Canada are a common conversation for us, especially for Surrey families hosting parents or relatives. Tell us when they are coming and how long they are staying, and we will outline the options that fit their visit.

Options exist for frequent travellers as well as for single trips. Which one makes sense depends on how often you travel and for how long each time — tell us about your year, and we will compare the two approaches honestly.

Before you travel — coverage is arranged for a trip ahead of departure, not after something happens. As soon as you know your dates, talk to us; it is a short conversation, and it means you leave knowing exactly what you are covered for.

Some options include coverage for disruptions such as a cancelled or interrupted trip, and some focus on emergency medical coverage. What is included depends on the policy you choose — we explain the inclusions plainly before you decide, so there are no surprises in the fine print.

It varies widely — in who is covered, for how long, and under what conditions. Bring what you know about it to our conversation and we will review it together, then fill only the gaps, if there are any.

Wherever you are is a fine place to start. Younger savers benefit from time; people close to retirement benefit from clarity about what their income will look like. Either way, the first step is the same: a conversation that maps where you are today against the retirement you picture.

We map the pieces you already have — workplace or personal pensions, RRSPs, TFSAs, and other savings — into one picture of retirement income. What your picture looks like depends on your individual situation; building it together is the heart of the planning conversation.

Yes. Reviewing an existing plan is one of the most common reasons people come to us — especially when retirement is getting closer or life has changed since the plan was made. Bring what you have and we will explain, in plain language, what it means and where the gaps might be.

Then the plan changes with them. We review and adjust your plan together as your timing, work, or family situation shifts — a plan is a living picture, not a document you file away and forget.

Not at all. Many of our retirement conversations start decades early, when small, steady steps have the most time to work. Others start in the final few years of work. Both are worth having — the right time is simply when you want a plan rather than a guess.

We listen: the retirement you picture, when you would like it to start, and what you have in place today. Then we outline the practical next steps. Book an inquiry and we will contact you by the method you chose — there is no obligation to proceed with anything.

You will find us at Unit 210 – 15117 101 Avenue in Surrey, BC — in Guildford, right across from Guildford Town Centre. Our listed hours are Monday–Friday, 9:00 am–5:00 pm; please confirm current hours when you book.

No. Surrey is our home base, and we serve families and business owners across the Lower Mainland and beyond in British Columbia. If visiting our office is not practical, we meet by phone or video — the conversation is the same.

All six of our core services, wherever you are in our service area: life insurance, critical illness insurance, disability insurance, investments, travel insurance, and retirement planning.

Book an inquiry and tell us what you would like to discuss and how you would like us to reach you. We will contact you by your chosen method to arrange a time — at our Surrey office, or by phone or video. You can also call us directly at 604-547-0990.

You will find us at Unit 210 – 15117 101 Avenue in Surrey, BC — in Guildford, right across from Guildford Town Centre. Our listed hours are Monday–Friday, 9:00 am–5:00 pm; please confirm current hours when you book.

All six of our core services: life insurance, critical illness insurance, disability insurance, investments, travel insurance, and retirement planning — each explained in plain language, around your situation.

It is best to book an inquiry first so we can set aside time for you. Tell us what you would like to discuss and how you would like us to reach you, and we will arrange a time. You can also call us at 604-547-0990.

No. An inquiry is simply a first conversation. You can ask questions, hear what options may suit your situation, and take time to decide — there is no obligation to proceed.

No — we have one office, in Guildford, Surrey, at Unit 210 – 15117 101 Avenue, right across from Guildford Town Centre. We serve Burnaby families and business owners from there, and by phone or video, so distance never changes the conversation.

All six of our core services: life insurance, critical illness insurance, disability insurance, investments, travel insurance, and retirement planning — each explained in plain language, around your situation.

Not at all. Many Burnaby clients hold their first and follow-up conversations by phone or video, and visit our Surrey office only when they prefer to meet in person. You choose what suits you.

Book an inquiry online or call us at 604-547-0990. An inquiry is simply a first conversation — there is no obligation to proceed with anything.

No — we have one office, in Guildford, Surrey, at Unit 210 – 15117 101 Avenue, right across from Guildford Town Centre. We serve Coquitlam families and business owners from there, and by phone or video, so distance never changes the conversation.

All six of our core services: life insurance, critical illness insurance, disability insurance, investments, travel insurance, and retirement planning — each explained in plain language, around your situation.

Not at all. Many Coquitlam clients hold their first and follow-up conversations by phone or video, and visit our Surrey office only when they prefer to meet in person. You choose what suits you.

Book an inquiry online or call us at 604-547-0990. An inquiry is simply a first conversation — there is no obligation to proceed with anything.

No — we have one office, in Guildford, Surrey, at Unit 210 – 15117 101 Avenue, right across from Guildford Town Centre. We serve Langley families and business owners from there, and by phone or video, so distance never changes the conversation.

All six of our core services: life insurance, critical illness insurance, disability insurance, investments, travel insurance, and retirement planning — each explained in plain language, around your situation.

Not at all. Many Langley clients hold their first and follow-up conversations by phone or video, and visit our Surrey office only when they prefer to meet in person. You choose what suits you.

Book an inquiry online or call us at 604-547-0990. An inquiry is simply a first conversation — there is no obligation to proceed with anything.

No — we have one office, in Guildford, Surrey, at Unit 210 – 15117 101 Avenue, right across from Guildford Town Centre. We serve Abbotsford families and business owners from there, and by phone or video, so distance never changes the conversation.

All six of our core services: life insurance, critical illness insurance, disability insurance, investments, travel insurance, and retirement planning — each explained in plain language, around your situation.

Not at all. Many Abbotsford clients hold their first and follow-up conversations by phone or video, and visit our Surrey office only when they prefer to meet in person. You choose what suits you.

Book an inquiry online or call us at 604-547-0990. An inquiry is simply a first conversation — there is no obligation to proceed with anything.

No — we have one office, in Guildford, Surrey, at Unit 210 – 15117 101 Avenue, right across from Guildford Town Centre. We serve Vancouver families and business owners from there, and by phone or video, so distance never changes the conversation.

All six of our core services: life insurance, critical illness insurance, disability insurance, investments, travel insurance, and retirement planning — each explained in plain language, around your situation.

Not at all. Many Vancouver clients hold their first and follow-up conversations by phone or video, and visit our Surrey office only when they prefer to meet in person. You choose what suits you.

Book an inquiry online or call us at 604-547-0990. An inquiry is simply a first conversation — there is no obligation to proceed with anything.

No — we have one office, in Guildford, Surrey, at Unit 210 – 15117 101 Avenue, right across from Guildford Town Centre. We serve Richmond families and business owners from there, and by phone or video, so distance never changes the conversation.

All six of our core services: life insurance, critical illness insurance, disability insurance, investments, travel insurance, and retirement planning — each explained in plain language, around your situation.

Not at all. Many Richmond clients hold their first and follow-up conversations by phone or video, and visit our Surrey office only when they prefer to meet in person. You choose what suits you.

Book an inquiry online or call us at 604-547-0990. An inquiry is simply a first conversation — there is no obligation to proceed with anything.

No — we have one office, in Guildford, Surrey, at Unit 210 – 15117 101 Avenue, right across from Guildford Town Centre. We serve New Westminster families and business owners from there, and by phone or video, so distance never changes the conversation.

All six of our core services: life insurance, critical illness insurance, disability insurance, investments, travel insurance, and retirement planning — each explained in plain language, around your situation.

Not at all. Many New Westminster clients hold their first and follow-up conversations by phone or video, and visit our Surrey office only when they prefer to meet in person. You choose what suits you.

Book an inquiry online or call us at 604-547-0990. An inquiry is simply a first conversation — there is no obligation to proceed with anything.

No — we have one office, in Guildford, Surrey, at Unit 210 – 15117 101 Avenue, right across from Guildford Town Centre. We serve Delta families and business owners from there, and by phone or video, so distance never changes the conversation.

All six of our core services: life insurance, critical illness insurance, disability insurance, investments, travel insurance, and retirement planning — each explained in plain language, around your situation.

Not at all. Many Delta clients hold their first and follow-up conversations by phone or video, and visit our Surrey office only when they prefer to meet in person. You choose what suits you.

Book an inquiry online or call us at 604-547-0990. An inquiry is simply a first conversation — there is no obligation to proceed with anything.

No — we have one office, in Guildford, Surrey, at Unit 210 – 15117 101 Avenue, right across from Guildford Town Centre. We serve Maple Ridge families and business owners from there, and by phone or video, so distance never changes the conversation.

All six of our core services: life insurance, critical illness insurance, disability insurance, investments, travel insurance, and retirement planning — each explained in plain language, around your situation.

Not at all. Many Maple Ridge clients hold their first and follow-up conversations by phone or video, and visit our Surrey office only when they prefer to meet in person. You choose what suits you.

Book an inquiry online or call us at 604-547-0990. An inquiry is simply a first conversation — there is no obligation to proceed with anything.

No — we have one office, in Guildford, Surrey, at Unit 210 – 15117 101 Avenue, right across from Guildford Town Centre. We serve Pitt Meadows families and business owners from there, and by phone or video, so distance never changes the conversation.

All six of our core services: life insurance, critical illness insurance, disability insurance, investments, travel insurance, and retirement planning — each explained in plain language, around your situation.

Not at all. Many Pitt Meadows clients hold their first and follow-up conversations by phone or video, and visit our Surrey office only when they prefer to meet in person. You choose what suits you.

Book an inquiry online or call us at 604-547-0990. An inquiry is simply a first conversation — there is no obligation to proceed with anything.