Questions, answered simply

Term life insurance covers you for a specified period (a 'term'). Permanent life insurance is designed to last your lifetime when the policy's conditions are met. Term generally costs less during the term; permanent typically costs more. Neither is automatically better. It depends on what you're trying to address.

It can be more affordable than many people expect, but there's no single price. Premiums depend on the type and amount of coverage, your age, health, lifestyle, and the insurer. When we talk, I can help you understand what drives cost so there are no surprises.

Often, yes. Insurers consider health and medical history during underwriting, and outcomes vary by insurer and product. A health condition doesn't automatically mean you can't be covered. It's worth asking, because the answer depends on the specifics.

We simply talk. I'll ask about your life, what matters to you, and what questions you have. I'll explain things in plain language. There's no presentation and no obligation. You can share as much or as little as you like.

No. Exploring your options and even starting an application doesn't obligate you to anything. You decide whether and how to move forward. If the right answer for now is 'nothing,' that's a perfectly valid outcome.

Critical illness insurance is designed to pay a lump-sum benefit if you're diagnosed with a covered critical illness, such as certain cancers, a heart attack, or a stroke, as defined in the policy. It doesn't replace life or disability insurance. What's covered always depends on the specific policy.

Disability insurance is generally designed to replace a portion of your income if an eligible illness or injury prevents you from working, subject to the specific policy. Definitions, waiting periods, benefit periods, and exclusions vary between policies.

It can be valuable, but it may differ from personal insurance you own. It's worth understanding the coverage amount, portability, whether it depends on your employment, and the policy terms. Sometimes workplace coverage is enough; sometimes personal coverage fills an important gap.

Insurers may consider age, health, medical history, smoking status, occupation, lifestyle, coverage amount, and other factors. Underwriting differs between insurers, so two companies may view the same situation differently.

Generally, information about your identity, health and medical history, lifestyle, occupation, and finances relevant to the coverage amount. The specifics depend on the insurer and product. We'd go through it together.

The insurer reviews it during underwriting, which may include health and lifestyle questions. The insurer then decides whether to offer coverage and on what terms. If approved, the policy is issued.

No. Approval is never guaranteed. The insurer makes the final decisión based on underwriting, and the terms offered can vary.

Underwriting is the process an insurer uses to decide whether to offer coverage and on what terms. It may involve reviewing your health, medical history, lifestyle, occupation, and other factors.

A beneficiary is the person (or people) you name to receive the benefit from your life insurance policy. It's worth reviewing your choices as your life changes, for example, after marriage, divorce, or having children.

Life changes are a good prompt: a new home, a new child, a change in income, a job change, or simply every few years. Reviewing helps make sure your coverage still fits your current life.

Yes. I'm licensed to serve clients across British Columbia. We can work together wherever you are in the province, by phone or video.

Yes. I'm licensed to serve clients across Ontario. We can work together wherever you are in the province, by phone or video.

Absolutely. That's exactly who I work with. You don't need to arrive knowing what you want. We can start with your questions and your life, and go from there.