Independent advice from a local broker who puts your family's needs first.
Independent advice across the coverage that matters most — in one trusted relationship.
Protect your family's financial future with term, whole, or universal life coverage tailored to your stage of life.
Independent coverage that pays your family — not the bank. Portable across lenders with locked-in premiums.
If you can’t work, the bills don’t stop. Replace up to 70% of your income with disability coverage built for BC professionals.
A tax-free lump sum upon diagnosis of cancer, heart attack, stroke, and 20+ other covered conditions. Use it however you need.
Customized health, dental, and disability plans for small businesses and self-employed professionals through the Edge Benefits platform.
Grow your wealth with registered accounts and insurance-based investment solutions that offer market growth with guarantees.
Why an Independent Broker?
I represent you — not the insurer. Unbiased advice and access to 15+ top carriers to find the best fit for your situation.
I compare the full Canadian market — not just one company's products — to find coverage that fits your budget and your life.
Life, health, mortgage, savings — one trusted advisor with full context every time. No call centres, no handoffs.
How It Works
We review your current coverage, identify gaps, and compare rates across top carriers to establish a competitive baseline.
I design an insurance plan aligned with your family’s budget and long-term goals — every premium dollar working as hard as possible.
Securing your plan is the beginning. I review your coverage as life changes and stand by you through every claim.
Expert guidance on protecting your family and building your financial legacy.
Master the rules of the new First Home Savings Account. Learn how to combine tax-deductible contributions with tax-free growth to hit your home ownership goals years faster.
Read the guide →Understand how BC's probate process affects your wealth transfer.
Read the guide →Protect your lifestyle during unexpected health challenges.
Read the guide →Discover the critical differences between bank-owned and independent mortgage protection.
Read the guide →Standard BC policies often exclude overland flooding. Learn the gaps.
Read the guide →Transparent answers to the pre-sale friction, costs, and questions most people have before locking in a policy.
My advisory and broker services are 100% free to you. Independent brokers are compensated directly by the insurance carriers through standard industry commissions. You pay the exact same premium whether you use a broker or buy directly from a carrier, but with me, you get personalized, unbiased comparison shopping and dedicated lifetime support at no extra cost.
Group benefits are a fantastic perk, but relying on them alone carries substantial risk. First, group coverage is not portable: if you change careers, get laid off, or retire, your protection ends immediately, and buying a personal policy when you are older or have new health issues will cost significantly more. Second, group policies typically only cover 1x to 2x your annual salary, which is rarely enough to clear a mortgage or sustain a family's lifestyle over the long term.
No, you remain in complete control. Personal life and health insurance policies are highly flexible and have no lock-in contracts or exit penalties. You can cancel, reduce, or convert your coverage at any time without fees or questions asked. If your financial situation or budget changes, we can easily downsize your coverage to match your new reality.
An independent broker represents you, not the insurance company. If you go directly to a single carrier, you will only see their products and prices. As a broker, I compare rates and policies across all of Canada's top-rated carriers (such as Manulife, Sun Life, Canada Life, iA Financial, and Equitable Life) to find the absolute best value and underwriting fit for your specific background.
Bank mortgage insurance only protects the bank's loan, not your family. The benefit decreases as you pay down your mortgage, but your premiums stay exactly the same. Plus, bank policies are tied to your specific lender, meaning you lose coverage if you switch banks. Personal mortgage protection pays a fixed tax-free cash benefit directly to your family, stays level, and moves with you if you refinance or switch lenders. Compare the two →
Absolutely. Access to specialty underwriting is one of the biggest advantages of working with an independent broker. Even if you've been declined by a bank or a single carrier in the past, we work with specialized providers to secure coverage—often through "no-medical" or simplified-issue plans that require zero exams, needles, or doctor reports.
Still have a specific question about your situation?
Ask Chris DirectlyWhether you have questions about a new policy, or want to review your existing coverage, I'm here to help. Reach out directly or fill out the form.