As a broker, we work for you and not the insurance company. First, we learn from you what your needs are at your current stage of life. Do you have a young family? Children in university or college? Are you retiring soon or already retired? Self-employed? Do you want to set up estate coverage? Do you need travel insurance? Or, do you want to reduce taxes, maximize your investments, or start a program? We would ask you lots of questions, establish a budget and make appropriate recommendations. It's that simple. more... See more text