Risk Management

  • Personalized Risk Assessment
  • Ongoing Monitoring and Support
  • Access to Trusted Partners
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Protect Your Future with Expert Risk Management

Comprehensive strategies to identify, assess, and mitigate risks tailored to your unique needs.

$24 M

Savings for our clients

100%

For humans, by humans

#1

Advisors in Canada

99%

Client retention
Risk Management?

Who needs that?

Sarah

Young Professional - Age 30
Insurance and risk management can help Sarah cover her mortgage in case of disability, secure her loved ones' financial future with life insurance, and protect her property from unforeseen damages. This planning gives her peace of mind, knowing her future goals are protected.

James

Small Business Owner - Age 45
Comprehensive insurance for business liability, disability, and life insurance allows James to protect his family’s future, keep his employees safe, and plan for unforeseen challenges that could disrupt his business. With risk management, he ensures stability for his family and business even in challenging times.

Linda

Retiree - Age 68
Long-term care insurance, medical coverage, and estate planning help Linda safeguard her retirement and provide for her family’s future. She gains reassurance knowing that her legacy and well-being are protected, allowing her to enjoy her retirement without constant worry.
Process

The simple process behind our success

01

Risk Assesment

We begin with a thorough analysis to uncover potential vulnerabilities.
02

Strategy Development

Based on your goals, we develop a customized risk mitigation plan
03

Implementation

We assist with implementing your strategy and offer ongoing support

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We know your journey is unique. Let’s get to know your goals and start building a financial path that brings clarity and confidence.
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Real People Real Stories

Most people put off financial planning—but taking that first step can transform everything. See how our clients took charge of their financial futures.
Read their stories
FAQs

Your questions answered

01
If I don’t get sick, can I get my money back?

Yes! Policies that cover you for sickness or disability offer a “return of premium” option, where you receive back 50-100% of all premiums you paid if you don’t make a claim by the end of the term.

02
How early should I get life insurance?

If you have an immediate need for coverage, like when you start a business or buy a home. The insurance offer or quote that you get is based on your age and health. If you're young and healthy, you'll get the best offers, so applying earlier is best. If you haven't applied before, or you're  experiencing some health difficulties, you can still apply and we'll design a policy that accommodates your need.

03
What is critical illness vs disability insurance

Critical illness insurance provides a lump-sum payout if you’re diagnosed with a serious illness like cancer, heart attack, or stroke. This payment is designed to help cover treatment costs or make up for lost income while you focus on recovery. Disability insurance is there to protect your income if you’re unable to work due to illness or injury. If you qualify, you can get up to 85% of your pre-disability income! Both of these insurances offer return of premium if you don't get sick or disabled.

04
Can I replace my existing insurance?

Yes, it’s possible to replace an existing policy if your needs have changed or if you’ve found better terms. However, there are considerations, such as potential penalties, coverage gaps, or needing to undergo new medical exams. It’s wise to consult an insurance advisor before making changes to ensure you’re making a beneficial switch.

05
Can insurance be made as an investment?

Yes! Certain types of life insurance, like whole life or universal life, go beyond traditional coverage by including an investment component. Part of your premiums contributes to building cash value over time, which can grow and serve as a long-term savings tool. This cash reserve can be accessed if needed, making these policies a powerful way to combine protection with wealth-building. This strategy is amplified for business owners, as they can add the investment to their corporate portfolio. If you’re interested in the added benefits and growth potential of this type of insurance, our advisors can help you decide if it’s a fit for your financial goals.

06
What is the difference between term and whole life insurance?

Term life insurance provides coverage for a set period (like 10, 20, or 30 years) and is generally the most affordable option. It’s designed to offer protection for a specific time frame and pays out only if something happens to you during that term. Whole life insurance, on the other hand, offers guaranteed lifelong coverage and builds cash value over time, which you can borrow against or use as part of your financial planning. Whole life is a great choice for those looking for both lifetime protection and a way to build savings over time. Our advisors can help you decide which option aligns best with your financial goals and needs.

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