Insurance is about identifying exactly what risks you need to protect against and finding the most cost-effective solution. I review your needs independently and match you with appropriate coverage through Canadian Financial Strategies, Inc.
Insurance is not about buying the most coverage — it is about identifying exactly what risks you need to protect against and finding the most cost-effective solution. I review your needs independently and match you with appropriate coverage through Canadian Financial Strategies, Inc.
| ✓ Life Insurance Needs Analysis | Term, whole life, and universal life — a proper needs analysis based on your debts, dependants, and income replacement requirements. Not a generic rule of thumb. |
| ✓ Disability Insurance Review | Critical for self-employed professionals and energy sector workers. Group coverage typically replaces only 60-70% of salary — a personal policy fills the gap. |
| ✓ Critical Illness Insurance | A lump sum payment if you're diagnosed with a serious illness — protecting your financial plan against a health event that interrupts your income. |
| ✓ Health & Dental Plans | Individual and small business health and dental coverage — for self-employed professionals and business owners without employer group benefits. |
| ✓ Travel Medical Insurance | For snowbirds and international travellers — making sure you're covered outside Canada without overpaying for coverage you don't need. |
| ✓ Private Health Services Plans (PHSP) | For incorporated business owners — converting personal medical and dental expenses into deductible business expenses. One of the most underused tax strategies. |
| ✓ Insurance as an Estate Tool | For high-income earners who have maximized RRSP and TFSA — permanent life insurance can serve as a tax-sheltered wealth transfer tool when structured correctly. |
Not sure if this applies to you? Book a free call — we'll figure it out together.
Let's Talk →Book a free 20-minute exploratory call — no pressure, no jargon, no obligation.