The questions every family asks before buying coverage — answered straight.
It depends on your mortgage, income, kids and debts. We work it out with you from real numbers — never a round-number guess.
Often not. Group coverage is usually a multiple of salary, ends when you leave the job, and rarely covers a mortgage plus years of income.
Sometimes. Smaller term policies can be approved without one; larger coverage usually needs a basic exam and bloodwork.
It does not automatically disqualify you. Some insurers are kinder to certain conditions than others — we shop around for you.
Usually your spouse or a trust for the kids. We walk through the choice, including what happens if a beneficiary is a minor.
Term premiums stay level for the term you pick. Permanent premiums are designed to stay level for life. We show you which is which before you sign.
For insurance, the insurer pays the advisor a commission — you do not pay extra for the advice, and the first consultation is free.
Once a year, and whenever life changes: a new baby, a new house, a new job, or a divorce. We book the review for you.
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