Guides & Resources
Clear, plain-language guides to help you understand common insurance and financial planning questions — without pressure, jargon, or assumptions.
Start with what feels relevant for you.
As always - you're welcome to just shoot me a message if you feel that's easier.
Popular Reads
A clear, plain-language explanation of what life insurance is designed to do, how it works in practice, and when people typically use it.
A straightforward comparison of term and permanent coverage, and how each is commonly used to address different needs.
Learn the key factors that shape coverage decisions, based on income, obligations, and the people who rely on you.
An overview of how income protection works, what situations it typically addresses, and why it’s often overlooked.
Life Insurance
How Life Insurance Actually Works
What life insurance is designed to do, how it works, and when people typically use it.
Life Insurance as Part of a Financial Plan
How protection fits alongside long-term planning — not instead of it.
How Much Life Insurance Do I Actually Need?
How income, debts, and dependents shape the right amount of coverage
Term vs. Permanent Life Insurance
A straightforward comparison of term and permanent coverage, they are used.
Should Both Spouses Have Life Insurance
Why non-income roles still create real financial exposure
Life Insurance for New Parents in BC
A practical, plain-English guide to life insurance for new parents in British Columbia.
Income Protection & Health Coverage
How disability insurance replaces income when illness or injury interrupts work
Critical Illness Insurance in British Columbia
How critical illness coverage works — and where public healthcare leaves gaps.
Critical Illness Insurance for Children
How critical illness coverage helps ensure your kids get the protection they need.
Disability vs. Critical Illness Insurance
When each type of coverage applies, and why they’re often confused.
Group Benefits vs. Personal Coverage
Where workplace benefits help — and where personal coverage matters more
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Mortgage & Family Protection
Lender-Owned Mortgage Insurance vs. Personal Coverage
The key differences between bank insurance and personally owned protection.
What Happens to a Mortgage If One Spouse Dies
How mortgages are typically handled, and what options families actually have.
Financial Planning & Savings
What each account is designed to do, and how they’re commonly used together.
Right Time to Review Your Coverage
Common moments when a review makes sense — and why waiting can be costly.
How protection, savings, and guarantees fit together over time.
If you’d like to talk through your situation
Sometimes, even if you read all the guides in the world - asking directly is the easiest way to figure things out.
If you've got something specific on your mind, let me know -- I'll be happy to help!
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