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Protect

Protect your family. Secure their future.

Life is unpredictable. A plan made today decides what your family has to deal with on their worst one.

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Coverage is not really about the policy. It is about whether the people who depend on you keep their home, their schooling and their footing if your income stops.

Life insurance

  • Term coverage sized to what your household would actually need
  • Permanent coverage where the need does not expire
  • Enough that a family keeps its standard of living, not just its house

Disability coverage

  • Income protection if you cannot work
  • Keeps saving and retirement plans on track rather than paused
  • The risk people insure least and face most

Critical illness coverage

  • A lump sum when a diagnosis changes everything
  • Lets the focus be recovery rather than expenses

Term and mortgage protection

  • Coverage written around the balance and years remaining
  • The loan cleared rather than inherited

How much is enough?

The usual answer is a multiple of salary, which is a starting point rather than an answer. We work it through as debt, income replacement, mortgage and education — four numbers you can see, add up and argue with.

Then we subtract what is already in force. What is left is the gap, and the gap is the only figure that matters.

Coverage through work is a floor, not a plan

Employer coverage is usually one or two times salary, and it belongs to the employer. It ends when the job does, which is often the same month everything else gets harder.

Coverage you own follows you between jobs and cannot be withdrawn by someone else's budget decision.

Let us protect what matters most

A short conversation is enough to know whether there is a gap worth closing.

Book a complimentary consultationSend us a message

On the form, select “Life insurance (family & mortgage protection)”.

Frequently asked questions

How do I know how much coverage I need?

A multiple of income, often quoted as 10–15 times salary, is a starting point rather than an answer. We work it through as debts, income replacement, mortgage and education costs, then subtract the coverage you already have. What is left is the gap.

What factors affect my premium rates?

Your premium rates are influenced by factors such as your age, gender, health status, smoking habits and the type of policy you choose (term vs. permanent life insurance).

What happens if I miss a payment?

If you miss a payment, most policies have a grace period (typically 30 days) during which you can make the payment and keep your coverage active. If the policy lapses, you may need to apply for a new policy and undergo underwriting again.

Can I adjust my life insurance coverage after purchasing?

Yes, many policies allow you to adjust your coverage as your life circumstances change. This flexibility lets you increase or decrease your coverage based on life events such as marriage, having children, or changes in your financial situation.

What is the difference between term and permanent life insurance?

Term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years) and is generally more affordable, while permanent life insurance provides lifelong coverage and can build cash value over time, though it tends to have higher premiums.