Insurance ServicesSherwood Park & Edmonton, Alberta

The right type depends on your goals. Term life insurance is typically more affordable and is ideal if you need coverage for a defined period — for example, while you have a mortgage or young children. Whole Life and Universal Life are permanent policies that also build cash value over time and can be used as part of an estate or tax planning strategy. Our advisors will walk you through the tradeoffs during a free consultation.

The Super Visa lets parents and grandparents of Canadian citizens and permanent residents visit Canada for up to five years per entry. Applicants must show private medical insurance that meets Immigration, Refugees and Citizenship Canada (IRCC) requirements — including coverage valid for at least one year from the date of entry, issued by a Canadian insurer or an approved foreign insurer, and proof that the policy is paid (or that a deposit has been made). Requirements change, so we always check them against IRCC's current guidance before you apply.

Most disability insurance policies replace between 60–85% of your pre-disability earned income, up to a monthly benefit cap set by the insurer. A general rule of thumb is to target enough monthly benefit to cover your essential living expenses — mortgage or rent, utilities, food, and debt payments. We will review your income, existing group coverage through your employer, and any government benefits (CPP disability) to determine the appropriate top-up amount.

Yes. Group benefit plans are available for businesses with as few as two employees, and many carriers offer flexible, cost-effective options designed specifically for small businesses. Additionally, employer premiums paid toward group benefits are generally a deductible business expense, making them tax-efficient for both the employer and the employee. We will design a plan that fits your headcount and budget.

Critical illness insurance pays a one-time, lump-sum tax-free benefit upon diagnosis of a covered condition (e.g., cancer, heart attack, stroke), regardless of whether you are still able to work. Disability insurance pays a monthly income replacement benefit only if you cannot work due to illness or injury. Many Canadians carry both policies together — critical illness covers immediate extraordinary expenses, while disability provides ongoing monthly income replacement during recovery.

During your free initial consultation — available in person, by phone, or video call — a licensed advisor reviews your current coverage, identifies gaps, and discusses your priorities. You then receive a no-obligation comparison of suitable products. Advisors are generally paid by commission from the insurer; we will disclose this, and any other compensation, before you buy. There is no pressure to purchase.