Income & Living Benefits
Critical illness, disability, hospitalization and life protection built around the income your household or business depends on.
Alberta · Ontario · British Columbia
Protecting your income when your family depends on it
Is this you? Early in your career, maybe starting a family, and your income is the plan.
Starter coverage when the budget is tight: focus on what matters most first, and add more later.
We help young professionals and families put income protection, life insurance and essential documents in a sensible order, starting with what your budget allows today.
The Risk Assessment is a free educational questionnaire about your income, existing protection, business and planning priorities. It adapts to your answers: 15–19 questions, with no medical questions. Allow about 5 minutes (estimated; take longer if you need).
You'll get your score and a call offer, not a sales pitch. The current Calendly session is 60 minutes.
Free · about 5 minutes · no medical questions · you get a Protection Score and a call offer, not a sales pitch.
Starting on a tight budget
We start with what your budget allows and the protection your family relies on most. We don't promise the cheapest option or quote prices here; costs depend on your age, health, coverage amount and insurer underwriting.
Where your plan can be exposed
- One health event can interrupt savings and future home plans.
- New dependants change how much protection may be appropriate.
- Coverage, savings and estate documents are often started at different times.
A clear, three-step review
- 01
Prioritize income, debts, dependants, home and education goals.
- 02
Review current workplace coverage and identify the most important gaps.
- 03
Compare suitable protection and planning options without pressure to do everything at once.
Coverage areas to explore
Newcomer & Everyday Coverage
Plain-language guidance on travel, health and dental coverage, including options for newcomers and people without a complete workplace plan.
Questions and answers
Do I need protection before buying a home?
It can be useful to review the income and debt a future mortgage will depend on. The right timing and amount depend on your circumstances.
Can I start small and add coverage later?
Often, yes. Some policies allow increases or conversions, subject to the policy terms and, in some cases, new underwriting.
Next step
See where your protection and planning gaps may be
Coverage is subject to underwriting, policy terms and carrier approval. General information only, not financial, tax or legal advice.
Shashank Gupta · Founder & Principal Advisor
LLQP-qualified, Licensed Life and Health Advisor in Alberta, Ontario and British Columbia
Prefer to talk? Book a Risk Audit session with Shashank
Skip the assessment and start with a conversation about your priorities. Educational, no obligation to apply for coverage.
General information only; not tax, legal or investment advice.