Find the gap before life does.

Start with questions about your income, responsibilities and what you already have in place. Explore financial protection concepts with Brenda Nkwocha and Hilda Chukwu, individually licensed life insurance agents in Ontario. The assessment helps organize questions; it is not a needs analysis, quote or recommendation.
Start the assessment
Read our guides

Your situation comes first

Your circumstances and existing arrangements come first. Recommendations follow a completed needs analysis.

Licensed in Ontario

Brenda and Hilda 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 basis, terms and limitations of recommendations following the needs analysis.

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.

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FOR HOMEOWNERS

Understand your mortgage and existing protection.
Review income, commitments and available resources before considering additional coverage.
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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.
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FOR THE SELF-EMPLOYED

When work depends on you.
Explore how time away from work could affect your household income and ongoing expenses.
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FOR PROFESSIONALS

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

01

Start with the assessment
Answer questions about your situation and existing protection. Your summary organizes information to check; it is not a quote, needs analysis or recommendation.

02

Introduce the process
Meet Brenda or Hilda in a 30-minute intro call. We introduce ourselves, explain our process, disclose compensation and insurer relationships, and discuss basic financial concepts. If time allows and you want to continue, we can begin or complete fact-finding then. Otherwise, we book a needs-analysis meeting. After reviewing the information, we present any recommendations or quotes at a follow-up.

03

Review findings and decide
Once fact-finding is complete, we review your information and present our findings and any recommendations or quotes at a follow-up meeting. You decide whether to proceed.
Financial education

Clearer answers to everyday financial questions.

Explore our guides to life insurance, living benefits and registered account concepts in Canada.
Canadian adult comparing two investment statements at home, illustrating segregated funds vs mutual funds in Canada
Investment and insurance education

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.
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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.
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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.
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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.
Read more

Get the Canadian Family Protection Gap Guide, free.

Questions about income, debt, caregiving, existing benefits and changes in family circumstances.
Read the family guide
General education, not advice or a quote.
Meet your advisors

People you can ask. A process you can understand.

Brenda and Hilda are licensed life insurance advisors in Ontario. Personal recommendations follow a needs analysis.
Brenda Nkwocha

Licensed Life Insurance Advisor, Ontario

Hilda Chukwu

Licensed Life Insurance Advisor, Ontario

We help you understand what you have in place and what questions to check before making a decision.
Learn more about us

Start with a few questions.

Decide on the next step when you’re ready.
Start the assessment