Trusted insurance advice in Abbotsford & Greater Vancouver — protecting the past, present and future of the Canadian family.
Independent advice from a local broker who puts your family's needs first.
What I help you protect
Independent advice across the coverage that matters most — in one trusted relationship.
Life Insurance
Protect your family's financial future with term, whole, or universal life coverage tailored to your stage of life.
- Term, whole & universal life
- Multi-carrier rate comparison
- Tax-free benefit to your family
Mortgage Protection
Independent coverage that pays your family — not the bank. Portable across lenders with locked-in premiums.
- You name the beneficiary
- Portable between lenders
- Level premiums, level benefit
Income Protection
If you can’t work, the bills don’t stop. Replace up to 70% of your income with disability coverage built for BC professionals.
- Tax-free monthly benefit
- Short and long-term options
- Coverage for the self-employed
Critical Illness
A tax-free lump sum upon diagnosis of cancer, heart attack, stroke, and 20+ other covered conditions. Use it however you need.
- Lump-sum cash benefit
- No restrictions on use
- Return-of-premium options
Group Benefits
Customized health, dental, and disability plans for small businesses and self-employed professionals through the Edge Benefits platform.
- Health, dental & vision
- Designed for small business
- Flexible plan structures
Savings & Retirement
Grow your wealth with registered accounts and insurance-based investment solutions that offer market growth with guarantees.
- RRSP, TFSA, FHSA & RESP
- Segregated funds with guarantees
- Annuities for retirement income
Why an Independent Broker?
An advisor who works for you, not a corporate office.
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
From your first conversation to lifelong coverage.
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01Discovery & Comparison
We review your current coverage, identify gaps, and compare rates across top carriers to establish a competitive baseline.
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02Tailored Strategy
I design an insurance plan aligned with your family’s budget and long-term goals — every premium dollar working as hard as possible.
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03Lifelong Advocacy
Securing your plan is the beginning. I review your coverage as life changes and stand by you through every claim.
Answering Common Hesitations
Transparent answers to the pre-sale friction, costs, and questions most people have before locking in a policy.
How much do your services cost? Do you charge broker fees?
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.
I have insurance through my employer benefits. Isn't that enough?
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.
Am I locked into a long-term contract? Can I cancel or change my policy?
You stay in control. Most personal policies can be reduced, converted or cancelled, but the terms depend on the policy: some permanent policies and investment products have surrender charges or other costs. I'll explain these before you sign. If your budget changes later, we can look at adjusting your coverage.
Why use an independent broker instead of going directly to a carrier?
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 many of Canada's leading carriers (such as Manulife, Sun Life, Canada Life, iA Financial, and Equitable Life) to find a good fit for your budget, health and goals.
Why is bank mortgage insurance considered a poor choice?
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. More on mortgage protection →
Can I get coverage if I have pre-existing health conditions?
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 DirectlyReach out to have a conversation
Whether 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.