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Cover Advisors


Welcome Alex and Shanna To Cove

Alex and Shanna took a trek from another province to get to where they are now in Cove. They’ve happily settled into North Vancouver life now and also in their jobs as a Continuity Planner (Alex) and Associate Advisor (Shanna). We took some time to interview them so we can all get to know them […]

PAR is Only One Type of Whole Life

For most of the last four decades, the name whole life insurance has been synonymous with one specific type of whole life insurance policy – PAR whole life. As life insurance products in Canada have evolved, PAR whole life has become just one of many different products that fall under the banner of whole life.  […]

All Life Insurance is “Whole Life”

Have you ever heard of whole life insurance? In most situations, it’s a generic word that’s meant to describe a permanent insurance policy. And in previous years, the industry has commonly separated life insurance between two categories: temporary and permanent. What if we told you that with the evolution of insurance products, the line between […]


How to Honour the National Day for Truth and Reconciliation

September 30, 2021 will be the first year Canada marks the observance of National Day for Truth and Reconciliation. As described by the Government of Canada, the National Day for Truth and Reconciliation “honours the lost children and Survivors of residential schools, their families and communities. Public commemoration of the tragic and painful history and […]


Protecting Your Estate

You’ve worked hard throughout your lifetime and this hard work has finally paid off. Perhaps you’ve accumulated assets beyond even those that you may need to enjoy a carefree and relaxed retirement that will eventually be passed on to your heirs. However, some of these assets can result in a tax liability upon your death, […]


It’s Beginning to Look a Lot Like Tax Season

Everywhere you go Take a look at your T5 and T4, or you may soon be poor With all the taxes at your door. It’s that lovely time of the year when everyone is full of cheer (the 2020 brand of cheer, that is!) And now, tax season is just around the corner. But that’s […]


The Travel Bug – When Travel is Too Risky

There was a recent time when the expression “travel bug” meant nothing more than an enthusiasm for travel, a need to explore and see the world. Since COVID-19, this term has taken on a far more ominous meaning as the majority of travel has come to a grinding halt and many cannot even risk seeing […]


2020 Update – Happy Holidays!

 It’s an understatement for me to declare what you already know: 2020 has been a strange year, by all standards. We have watched the world around us collapse in some areas and remake itself in others. It has morphed from what was normal to a new normal, with both negative and positive changes. Its impact […]


Are Life Insurers Profiting from COVID-19?

Last week I wrote to the BC Health and Finance Ministers asking them to take action to force Canadian Life insurance companies doing business in BC to accept fluid test results provided by insurance customers. Read our May 22 blog post for more details here. Being a cynic at times, I think about the potential […]


Canadian Insurers Putting Canadians at Risk

Canadian life insurance companies’ refusal to accept test results shows a lack of leadership in the insurance industry and puts Canadians at risk of being underinsured. They say they are trying to keep Canadians safe but we don’t buy it. We have written to the BC Finance Minister and the Minister of Health for their help to force insurance companies to accept test results that British Columbians will […]


Donating Life Insurance to Charities

The following Bulletin was released by the BC Financial Services Authority (BCFSA) on May 4, 2020 and updates the BCFSA’s position on the donation of life insurance policies to registered charities. This bulletin clarifies the Authority’s position after the surprise announcement in November of 2019 that the BCFSA prohibits the donation of life insurance policies […]


Taking Advantage of COVID 19 Economics

When the value of  business has declined, the timing may be right for an estate freeze…. During these unprecedented times, the value of your private corporation or other assets may have dropped 10%, 20%, 30% or more. While this result is very challenging, it may be the right time to take advantage of the lower […]

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270-2255 Dollarton Highway
North Vancouver BC
V7H 3B1

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