Protection Review

Financial protection, explained clearly.

Plain-English guides for Canadian families, business owners and the self-employed, plus a free 30-minute call with a licensed Ontario advisor when you want one.

Free. No obligation. Ontario residents.

Your situation comes first

Your circumstances and existing arrangements come first. Recommendations come after we have gathered and reviewed your information.

Licensed in Ontario

We are licensed life insurance advisors in Ontario.

A conversation, not a commitment

Ask questions and understand the process before deciding whether to take the next step.

Education for life in Canada

Our educational materials explain Canadian protection topics. Personal advice is limited to our Ontario life insurance licences.

Clear reasons, in writing

We explain the reasons, terms and limitations of any recommendations at a follow-up meeting.

Room for life to change

A change in circumstances can make existing arrangements worth reviewing.

Who we serve

Start with the life you’re living.

Families, homeowners, business owners and people working for themselves face different questions. Choose a starting point that fits your situation.

FOR FAMILIES

The people who count on you.

Explore your household’s needs, existing protection and the financial impact of losing an income.

Start the assessment →

FOR HOMEOWNERS

Understand your mortgage and existing protection.

Review income, commitments and available resources before considering additional coverage.

Start the assessment →

FOR BUSINESS OWNERS

The people behind your business.

Explore the financial impact of losing a key person and the questions around a partner’s ownership share.

Start the assessment →

FOR THE SELF-EMPLOYED

When work depends on you.

Explore how time away from work could affect your household income and ongoing expenses.

Start the assessment →

FOR PROFESSIONALS

Your household and your practice.

Explore the responsibilities connected to your income, your practice and the people who rely on both.

Start the assessment →

NEARING RETIREMENT

Check what changes as you approach retirement.

Check the terms of workplace and personal benefits, including any continuation or conversion provisions.

Check what stays →

How it works

Understand first. Decide after.

Start with education. Bring your questions. Take the next step when you’re ready.

Pick a time

Choose a 30-minute slot that suits you. It takes under a minute.

Answer a few quick questions (optional)

Tell us about your household or business so the call starts with your situation, not a script. Start the assessment.

Meet your advisor. You decide.

Brenda or Hilda walks you through how protection works and answers your questions. Any recommendations or quotes come later, after we have reviewed your information at a follow-up meeting.

Financial education

Clearer answers to everyday financial questions.

Explore our guides to life insurance, living benefits and registered account concepts in Canada.

Retirement3 min read

Segregated funds and mutual funds: what the insurance guarantee costs

Both can hold investments that rise and fall. A fair comparison follows the underlying assets, the insurance guarantees, the fees and the date you may need to withdraw.

Family3 min read

Mortgage life insurance: who gets paid, and what happens when you move?

Compare the beneficiary, benefit amount, underwriting and portability before treating mortgage creditor coverage and an individual life policy as interchangeable.

Retirement3 min read

TFSA, RRSP or FHSA? Follow the money in and out

The tax treatment of a contribution is only half the comparison. Withdrawals, replacement room and the date you need the money can change the decision.

Retirement3 min read

A segregated fund guarantee has a date, a percentage and a calculation

A 75% or 100% guarantee applies under specific conditions. Withdrawals, resets and the annuitant’s death can each change how much is payable and when.

Get a free guide, plus our newsletter.

Plain-English protection education for Canadians. Pick your guide and we’ll send it to your inbox.

General education, not advice or a quote.

Meet your advisors

People you can ask. A process you can understand.

You’ll meet with Brenda or Hilda, both licensed life insurance advisors in Ontario. You talk to the person who would actually work with you, not a screener.

Brenda Nkwocha

Licensed Life Insurance Advisor, Ontario

Hilda Chukwu

Licensed Life Insurance Advisor, Ontario

Understand it first. Decide after.

Book a 30-minute Protection Review with Brenda or Hilda.