Insurance Built Around Your Life
Smart coverage starts with how your income is earned, who depends on it
and which risks actually matter.
Coverage Built for You
Insurance works best when it’s grounded in real life. The goal isn’t to guess at every possible outcome or to over-insure out of fear. It’s to understand how income flows today, who relies on it and where disruption would create meaningful strain. From there, coverage can be shaped to support what actually needs protecting, without unnecessary complexity.
Coverage is selected from a range of insurers, allowing decisions to be based on fit and structure rather than carrier limitations. That flexibility supports clearer comparisons and more thoughtful placement, particularly when needs are layered or evolve over time.
Why Independence Matters
Independence allows for a broader view… how different insurers underwrite, how policies respond over time and where flexibility or limitations may appear later. Our relationship with Hub Financial Inc. provides access to a wide insurer landscape, supporting informed placement decisions rather than default solutions. Oversight by the Insurance Council of British Columbia reinforces transparency, accountability and professional standards.
When You’re the Business
Some insurance isn’t about personal protection… it’s about good business. For incorporated professionals and business owners, insurance can play a role in protecting key people, supporting ownership arrangements and reducing disruption if something unexpected occurs.
In certain cases, corporate ownership of coverage may offer structural or cash-flow advantages relative to holding insurance personally. Where appropriate, this might involve corporate-owned life insurance, coverage tied to shareholder agreements or solutions aligned with longer-term business objectives.
“Planning for the future is a sign of respect for the present.”
~ Gloria Steinam