I would rather explain it twice than sell it once.

Why this work

Most people meet an insurance agent once, feel rushed, sign something they do not fully understand, and then never look at it again. Years later they discover the policy does not do what they assumed, or that they were paying for something they did not need.

I built my practice around the opposite habit. I explain the mechanism before the product. I put the numbers in writing. I tell you when the answer is no product at all — when the group benefits at your workplace already cover it, when your existing policy is fine, or when paying down debt does more for your family this year than a new premium would.

What I am licensed to do

I hold a Life, Accident & Sickness insurance licence in Alberta and in Ontario. That covers life insurance, critical illness insurance, disability and income protection, visitor and travel medical insurance, and the insurance-based savings products — segregated funds and annuities — held inside registered accounts like a TFSA, RRSP, FHSA or RESP.

I am contracted through World Financial Group Insurance Agency of Canada Inc. (WFGIA). Every insurer I can place business with is published on Companies I represent, along with a plain statement of where my interests and yours could diverge.

I use the title Financial Professional deliberately and consistently. In Ontario, the titles “Financial Planner” and “Financial Advisor” are protected by law and require an approved credential I do not hold. Some people in this industry use them anyway. I do not, and you should treat that as information about anyone who does.

Languages

I work in English, Gujarati and Hindi. This matters more than it sounds. Beneficiary designations, exclusion clauses, and the difference between a premium guarantee and a coverage guarantee are hard enough to follow in a first language. A family making a thirty-year decision should be able to argue about it at the kitchen table in whichever language they argue in.

Who I usually work with

• Young families in Edmonton buying a first home and realising the mortgage outlives the income that pays it.
• Newcomers to Alberta in their first two years — health coverage gaps, first TFSA, first RRSP, parents visiting on a Super Visa.
• Self-employed people and trades, who have no group benefits and no sick pay, and for whom disability coverage is the whole ballgame.
• Ontario clients served remotely through the insurer’s secure e-application. See Ontario clients.

What I will not do

• Ask you to sign at the first meeting.
• Ask for your social insurance number by email, text, or on a form on this website.
• Quote a return, a rate of return, or a guaranteed outcome on an investment product.
• Pitch you a business opportunity when you came for insurance.