Insurance & Protection
Most insurance pages are sales pitches. This one isn’t. This is where you get clear, adult explanation of what protects a household, what doesn’t, and what actually matters for your long-term stability. I don’t sell fantasies, fear, or filler. I help families build structures that hold.
I’m licensed in Life Insurance and Accident & Sickness Insurance in New Brunswick, and I work with families who want protection that aligns with how they actually live — not how the industry assumes they live.
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Not all life insurance is created equal. And not every family needs the same thing. I help you understand:
Participating Whole Life (the backbone of generational wealth)
Term Life (temporary, strategic coverage for debt and dependent years)
Universal Life (when it’s useful, when it’s not)
Stacking, structuring, and long-term cost control
When insurance is a tool — and when it’s a liability
You’ll know exactly why a recommendation is made, what it does, and how it protects your family’s future.
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Children’s policies are often sold wrong. I structure them the right way:
High early cash value
Proper long-term insurability
Intergenerational leverage for future housing, education, and stability
Realistic premium design built for the household budget
It’s not about “buying insurance for kids.”
It’s about building a financial architecture they can stand on.
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The fastest way a family falls financially is through an unexpected illness or injury. I help you choose what actually closes the gap:
Critical Illness Insurance
Disability / Income Replacement
Accident Plans
Health & Dental (where appropriate)
If you need it, I tell you.
If you don’t, I tell you that too.
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For families who want investment options with:
Principal protection
Probate avoidance
Creditor protection
Built-in guarantees
Predictable retirement income
I explain every feature, every limitation, and every risk — without the jargon.
You get clarity, not confusion.
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For incorporated professionals, trades, and small businesses:
Corporate-owned life insurance
Key person protection
Buy-sell funding
Tax-efficient compensation design
Shared ownership structures
Good corporate insurance isn’t about “covering the business.”
It’s about stabilizing the household behind the business.
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Infinite Banking is not a trend, a hack, or a magic trick.
It is a long-term household financing system built through participating whole life insurance — when it is structured correctly, funded intelligently, and aligned with your actual life, not a fantasy spreadsheet.
I don’t teach the American version.
I teach the Canadian reality:
high early cash value
disciplined premium structure
efficient policy loans
strategic repayment cycles
family-wide policy architecture
long-horizon tax efficiency
intergenerational transfer design
Most people who “try IBC” fail because they’re sold a policy, not a system. I only build systems.
Infinite Banking works when:
the policy is built for liquidity, not commissions
the household cash flow supports the design
premiums are treated as non-negotiable deposits
the loan strategy is realistic
the long-term plan exists beyond the first illustration
The goal isn’t to “borrow from yourself.”
The goal is to store capital inside an asset that grows predictably, protects your family, and gives you access to tax-efficient financing for the rest of your life.
Infinite Banking is not for everyone.
But for the right households — disciplined, long-horizon, builder or rebuilder families — it can become the backbone of a stable, multi-generational financial ecosystem.
If your household is ready for structure, strategy, and system-level thinking, Infinite Banking can be the engine behind everything you build next.
Insurance
&
Investments
Done
Differently
Insurance & Investments Done Differently
how it works
The Process
Clear. Human. Zero wasted motion.
Every client enters through the same doorway — a streamlined, privacy-anchored intake that ensures your time is respected and your household is properly understood.
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Before you can book, you complete a comprehensive intake questionnaire. It gathers the essential household, income, and insurance background details I need to determine fit and to prepare for your session. The system is built with automatic screening:
If you’re a fit, you’re immediately given access to book.
If not, you’re redirected to more appropriate services.
No awkward emails. No wasted appointments. Just clarity, right from the start.
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Once your intake is approved, you book your Threshold Session — a structured, compliant meeting that blends:
your household story and financial context
the full Insurance Needs Analysis (required by law)
your concerns, priorities, and long-term goals
identification of structural risks and gaps
the foundation for any future recommendation
It’s the conversation most families have never been offered: honest, informed, pressure-free, and tailored to real life rather than marketing fantasy.
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After your Threshold Session, I design a clear recommendation built around your actual household architecture. You’ll see:
exactly what each option does
why it fits your structure
how it protects your family across time
Every element is specific to you. Nothing is generic. Nothing is product-first.
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We'll be able to sit down, walk through your strategy, and refine as needed. You choose what strengthens your household. You set the pace. I advise — you decide.
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If you choose to move forward, I handle:
digital applications
insurer requirements
medical steps (if required)
all communication and coordination
You stay informed, protected, and supported at every stage.
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Once approved, your coverage activates and your household gains a long-term structural buffer. And I remain your advisor and financial strategist — for updates, changes, crises, new goals, and every major transition. Insurance isn’t a transaction here. It’s a lifelong relationship.