Your income, your family, and your future deserve protection regardless of whether you have a financial plan in place. DesignWealth provides independent insurance guidance to clients at every stage. We represent multiple providers and are compensated by them, not by you. We will tell you honestly if your current coverage is already enough.
Most insurance conversations start with products. DesignWealth's starts with you: your income, your debts, your dependents, your existing coverage, and what a gap in any of those areas would actually cost. From there, we work backwards to what makes sense.
We represent multiple insurance providers and earn a standard industry commission when coverage is implemented. You pay nothing directly for our guidance. That means we have no reason to recommend coverage that does not serve your situation, and we will tell you plainly if you are already well-covered or if your group benefits are sufficient.
For planning clients, insurance reviews are a built-in part of the service experience. Coverage is revisited at meaningful life milestones. For standalone insurance clients, the process begins with a thorough needs assessment and a clear recommendation, with no obligation to act on it.
Book a Complimentary ConsultationWe help you understand, evaluate, and optimize coverage across these key areas.
Protect your family's financial future if the unexpected happens. We help determine the right amount and type of coverage based on your debts, dependents, and goals.
Your income is your greatest asset. Disability insurance protects it if illness or injury prevents you from working - yet most Canadians are underinsured.
A lump-sum payment if you're diagnosed with a covered condition like cancer, heart attack, or stroke - giving you financial breathing room to focus on recovery.
Your coverage should evolve as your life does. Here's what matters most at each stage.
Starting insurance coverage when you're young and healthy means significantly lower premiums for decades.
As your income and responsibilities grow, your coverage needs to keep pace.
As retirement nears, insurance shifts from income protection to estate and legacy planning.
For planning clients, insurance reviews are built into your semi-annual service schedule. For clients who engage with us for insurance only, the process begins with a needs assessment and a clear recommendation. In both cases, we encourage you to reach out whenever a significant life event changes your situation.
We review all existing policies, group benefits, and any gaps in your protection.
We match coverage needs to your actual circumstances: debts, dependents, income, existing coverage, and goals.
Clear recommendations with plain-language explanations. We help with applications and setup.
For planning clients, reviews are built into your service schedule. For insurance-only clients, we reach out proactively and encourage you to get in touch after any major life change.
A complimentary meeting to understand what you have, what you need, and what you do not. No plan required. No obligation to implement. And we will tell you honestly if you are already well-covered.
