Why Agape Life?

Throughout my professional career I learned about people and the value of life. My experience working at “Life 100 Insurance and Investments” taught me about products and services and gained me many spotlights for my achievements.

I realized my passion for helping people, not selling insurance.  Insurance and investments are vehicles to better people’s lives and make them confident and comfortable.

I wanted to make a difference by counselling and providing the right advice to clients to set them on a road to financial freedom.  I realize that there is much to be done to help people and their families especially as the world becomes more challenging to live in.  Planning for unforeseen situations is key.

I set up Agape Life so I could offer my clients a range of insurance and investment products and not limit them to one company’s offerings.  My main objective is planning for life’s unpredictable events.  When we plan, we can forge through any circumstance while keeping our family’s best interests at heart.

My clients tell me how grateful they are for the difference I have made to them, and that tells me that I am doing the right thing. Talk to me about your situation, I am just a phone call away.


What is life insurance?

Life insurance can protect the financial security of the people you love by giving them a tax-free payment after you die. The amount and type of coverage you choose will depend on your circumstances and needs. The cost of life insurance you buy as an individual depends on your age, gender, health, medical history, and lifestyle.

Will your loved ones be financially impacted if something happened to you?

If you answer yes, then you should think about how you can help protect them with life insurance.

While you may have basic life insurance through work, it may not be enough to meet your needs, and your coverage typically ends when you leave your job.

Types of Insurance

Term Life Insurance

Term life insurance is affordable, easy-to-understand coverage that gives you flexible protection. It is temporary coverage that lasts for a set period and automatically renews in most cases. With term insurance, the payments you make, called premiums, are set at an initial low cost, and won’t change during that period.

Your insurance costs will remain the same for a specific period (the “term”), until it renews for another term. If you die while the policy is in effect, a tax-free payment will go to the person or people you name (your “beneficiaries”). And with most term policies, you can also convert your coverage to permanent insurance regardless of any changes to your health, occupation, or lifestyle.

How does it work?

Choose the coverage amount and length you want.
Decide if you want your coverage for 10, 20 or 30 years or to age 65.
Customize your coverage with optional benefits.
Pay the monthly or annual premiums.
Your coverage automatically renews
You can convert to longer-term or permanent life insurance without medical questions, within limits.
The people you chose receive a tax-free payment if you pass away while your policy is active.

Your policy automatically renews in most cases for the same length of time unless you tell us otherwise. But you can change your coverage without medical questions if your needs have changed. Your premiums will increase because you have gotten older or converted to a different product. Here are your options:

Cancel your policy if you don’t need it anymore.
Let it renew automatically (in most cases for the same term; age limits apply).
Convert to a new longer-term policy.
Convert to permanent insurance coverage.

Permanent Life Insurance

Permanent life insurance is often called whole life insurance because it covers you for your whole life. It gives your beneficiaries a tax-free payment after you die. Some plans can build cash value over time. Permanent insurance costs are usually guaranteed not to increase from the time you first buy the policy. And some permanent insurance plans let you pay for a limited time and then never again. Universal life and participating life are other forms of permanent life insurance that you may want to consider.

Permanent Life insurance is beneficial if you are:

  • Interested in lifetime coverage, and premiums that don’t change
  • Looking for a permanent guarantee that will help protect your family, cover the cost of your funeral, and let you make plans for your estate

Participating Life Insurance

Participating life insurance provides a combination of permanent life insurance (whole life insurance) protection and an opportunity for tax-preferred cash value growth. The base insurance protection is guaranteed for life, if you pay the premiums on time.

The policy is also eligible to receive dividend payments, which you can use to buy additional coverage or reduce your annual premium. You can also leave them on deposit to earn interest or take them in cash. Dividends are not guaranteed.

Participating Life Insurance is beneficial if you are:

  • Looking for lifetime protection and significant savings potential
  • Interested in innovative ways to save for retirement or to make plans more effectively for your estate
  • Concerned about the effect of inflation on your death benefit

Universal Life Insurance

Universal life insurance is an all-in-one way to get the protection you need and build your savings. The policy combines permanent life insurance protection for lifelong peace of mind with a broad range of investment account options for tax-preferred savings growth. You choose a guaranteed death benefit for your beneficiaries and the payments you make above the cost of insurance can grow in a tax-preferred savings account. Or you can use them to increase the amount of your death benefit.

Universal Life Insurance is beneficial if you are:

  • Looking for ways to build your savings alongside your RRSPs and TFSA
  • Looking for a way to leave more money for your children and grandchildren
  • A business owner looking for a tax-efficient way to protect the value of your business

Living Benefits

Health & Dental Benefits

Financial security also includes having the right insurance to cover our health and dental needs. Government coverage does not reach many types of needs we have, therefore, to have the proper protection becomes extremely important, especially as our families grow.

Many people have benefits through their workplace plans, but are they enough and affordable for what you need?  If you do not have the benefit of being covered through your employer, you must consider the importance of having peace of mind to know that you are safe from unexpected hefty bills.

Things that you should consider for your health and dental needs:

Do you have coverage for unexpected medical or dental expenses?
Prescription medication can be expensive. Does your plan cover all costs?
Is there a lifetime maximum to your existing coverage?
Do you have a pre-existing medical condition that may disqualify you for coverage?
If you lose of change your job will you and your family be adequately protected?

Protect yourself and your family.

Disability Income Protection

Life is unpredictable; therefore, we need to protect ourselves from unforeseen situations such as disability.  Disabilities can occur through an injury or illness, including mental health issues.

With certain disabilities, it is unknown how long the situation will last.  Since each situation can vary for the length of time it takes to get back on track, to protect ourselves we need to ensure we have the right coverage for the duration of the disability until we can return to work, if at all.  We must consider short term as well as long term accommodations. There are even government funded products and services available, such as workers’ compensation.

Questions to ask yourself are:

What would happen if I couldn’t work?
Are you adequately covered through work or your existing plan?
Do you qualify for a disability tax credit?

Help yourself and your family.


Long Term Care Protection

Incidents may arise where you may not be able to care for yourself due to disability, age, or mental health issues.  This is where long term care insurance becomes a huge asset for you and your family.

If you are concerned about health deterioration or government programs not being enough for your needs, then acquiring the right type of protection is important.  You may also not wish to dip into your retirement savings to make ends meet to secure your savings for later.

Long term care insurance will allow you to bring care resources into your home so that you and your family do not have to alter your living arrangements.  It will also help lessen the burden on other family members to take care of you.

You will want to consider long term care protection if:

You feel your retirement income will not take care of your needs
You want to keep your savings and retirement benefits secure from being consumed sooner than expected
You do not wish to alter your lifestyle and living in your home by downsizing and moving
You wish to eliminate the burden on your loved ones by having them look after you, including financially
You would like to be in control financially of your destiny if you are incapacitated

Critical Illness Insurance

Medical advances have dramatically improved the survival rates of people who suffer from critical illnesses such as cancer, stroke, and heart disease.  Recovery may come with a significant financial cost that impacts both you and the people close to you.

Critical illness insurance offers the financial help to pay the costs associated with life-altering illnesses. If you become sick with an illness covered by your policy and survive the waiting period, you’ll receive a lump-sum cash payment. And, unlike reimbursed health insurance benefits, you decide how to spend the money.

Critical illness insurance was developed, to protect families and help them deal with their health issues with peace of mind.  Even with excellent medical insurance, just one critical illness can be a tremendous financial burden. Critical illness insurance provides coverage for 25 major illnesses by most of the insurance companies. Listed below are a few of the common ones:

Heart attack
Organ transplants
Coronary bypass

Help yourself and your family.

Statistically, a serious life-altering illness affects one in three Canadians in their lifetime.  Having Critical Illness insurance, you can:

Cover daily costs
Use your payout to help with your expenses while you recover.
Protect your retirement savings
Don’t dip into your RRSP or other investments to pay for additional medical costs.
Focus on your recovery
Concentrate on getting healthy knowing your benefit payment can help with your finances.

Another benefit of critical illness insurance is that you and your family can get professional help to deal with the impact of your illness.  It can also provide Counselling services, Family support services, (childcare, home care), Legal and financial consultations, and Nutritional advice.

Life Events

New Immigrant

As a new immigrant there are many things to juggle and get accustomed to.  Adapting to a new culture, possibly a new language, finding a place to live, learning about banking and financial systems, and managing your finances.

Things you should know about:

Building your credit score
Choosing a convenient and affordable place to live
Investing your money
Tax filing and obligations
Finding the right insurance coverage
Investment options for you and your family
Retirement planning
First time Homebuyers plans
Canadian child benefits and education plans

Starting a family

A family is the most precious gift. Along with the joy and happiness that a family brings, there are also challenging moments that come up. However, your finances don’t have to be that challenging if you plan properly. We can help you feel confident with the right choices.

Things to consider and plan for:

Building an emergency fund for unforeseen events
Saving for your children’s education
Health and dental coverage

Entering the corporate world

Congratulations on securing a new job! It is exciting to obtain employment, not to mention a huge relief for your finances. While navigating around learning your workplace policies and procedures it is extremely important to understand your benefits.

Things to consider making the right decision for choosing your benefits package:

Do you have enough health insurance?
Choosing a convenient and affordable place to live
Your budget to manage your living expenses and how the premiums will impact you

Becoming a business owner

Being your own boss has its advantages. Starting your own company instills a sense of pride and accomplishments, but also comes with expenses that you must cover for yourself and your employees.

Things to consider for benefits coverage:

Retirement benefits
Group benefits
Are you adequately insured?
Your marital status and family situation
Insurance coverage for your business
Taxation, and eligible deductible expenses
Investments to grow and fund your business
Incorporation vs. sole proprietorship
Retirement planning

Health concerns

There is nothing more important and concerning than our health. Focusing on leading a healthy lifestyle is vital to our well being as well as our family’s well being. We can help you with managing your financial health for all your future needs.

Things to consider for a healthy you:

Physical health
Mental health
Financial health
Reducing stress in financial management
Tax savings benefits
Achieving your future financial goals

Retirement planning

It is never too early to start planning for your retirement. In fact, the sooner you start saving the more ahead you will be. There are many products and investment vehicles available in the marketplace. We can work with you and help you choose the right plan for you and your family.

Thing to know about for retirement planning:

Retirement benefits
Group benefits
Are you adequately insured?
Your marital status and family situation
Insurance coverage for your business
Taxation, and eligible deductible expenses
Investments to grow and fund your business
Incorporation vs. sole proprietorship
Retirement planning