Straight answers, no jargon. If yours isn't here, just ask directly.
Getting Started
Do I have to buy something to talk to you?+
Not at all. Most of our conversations start as education — understanding your options first. There's no pressure or obligation to purchase anything.
Is the initial consultation free?+
Yes. The first conversation is free and focused entirely on understanding your situation — there's no cost or commitment involved.
Eligibility & Immigration
Can I get life insurance as a new immigrant to Canada?+
In many cases, yes — though eligibility can depend on factors like your immigration status and how long you've been in Canada. This is worth discussing directly, since options vary by situation.
What if I've been declined for coverage before?+
There are options like guaranteed and simplified issue coverage that involve little to no medical underwriting, which may be worth exploring.
Budget & Affordability
I can't afford the "ideal" policy right now — should I just wait?+
Not necessarily. Something that fits your budget today is often better than waiting for the perfect policy that may never come. We can look at options that work with where you are right now.
How do I know what I can actually afford?+
Our free Budget Calculator tool lets you add your income, expenses, debts, and savings to see your monthly surplus — a helpful starting point before any conversation.
Insurance Basics
What's the difference between term and permanent insurance?+
Term insurance covers you for a set period of time and is generally more affordable. Permanent insurance lasts your lifetime and can accumulate value, but usually costs more. Which fits depends on your goals and budget.
How much coverage do I actually need?+
It depends on your debts, income, mortgage, and family needs. Our free Financial Needs Analysis tool (using the DIME Method) can give you a general educational estimate to start the conversation.
What happens to my policy if I miss a payment?+
This depends on your specific policy terms and grace period. It's best to review your individual policy details, or reach out so we can look into it together.
Working With Us
Do you speak Tagalog?+
Yes — conversations are available in both English and Tagalog.
I already have a policy — can you still help?+
Absolutely. An Annual Policy Review is a free, no-pressure check-in to make sure your existing coverage still fits your life as it changes.