Term Life
Coverage for a defined period, often considered for needs such as a mortgage or supporting children. Compare the term, premium and renewal conditions.
Our Services
Protection that fits your life.
A family to care for. An income to protect. A journey ahead. Let’s make sense of the insurance choices that matter to you.
Protection
Life Insurance
Life insurance replaces your income and protects the people who depend on you. Frank helps you choose the right type and the right amount — nothing more, nothing less.
Talk to Frank about life insuranceWhole Life
Permanent coverage designed for lifelong protection, subject to the policy conditions. Understand premium commitments and any cash-value features before deciding.
Universal Life
Permanent life insurance with flexible premium and coverage features. Frank will explain the costs, policy conditions and ongoing responsibilities before you choose.
Living Benefits
Health & Living Benefits
Your ability to earn an income is one of your most valuable assets. Living benefits protect your family's finances if an illness or injury stops you from working.
Critical Illness Insurance
Pays a lump sum if you are diagnosed with a covered condition such as cancer, heart attack or stroke. Use the money however you need — treatment, time off work, or paying down the mortgage while you recover.
Disability Insurance
Replaces part of your income if an illness or injury keeps you from working. Especially important for the self-employed and anyone without group coverage through an employer.
Health & Dental Insurance
Personal plans that help cover prescription drugs, dental care, vision and paramedical services — for the self-employed, retirees and anyone without a group plan at work.
Long-Term Care Insurance
Provides an income if you can no longer care for yourself and need help at home or in a care facility — protecting your savings and easing the load on your family.
Coverage, benefit amounts, exclusions, waiting periods and eligibility depend on the insurer and policy. We’ll help you read the details before you apply.
Away from home
Go further, thoughtfully covered.
Travel insurance for visitors to Canada, Super Visa applicants, international students and people travelling abroad. Buy through TuGo or Allianz, or ask Frank to compare options.
Explore travel coverage
Already insured?
Your policy should keep up with your life.
A new child, a new job or a change in health can change your needs. Bring your policies for a clear review of what you have and what to consider next.
Arrange a policy review
FAQ
Frequently asked questions
Which insurance companies do you work with?
Frank is independent and works with all major Canadian insurers, including Manulife, Sun Life, Canada Life, iA Financial Group, Desjardins and more. That means the recommendation is based on what fits you, not on one company's product line.
Can you review my existing policies?
Yes. Bring your current policies and Frank will explain in plain language what you have, what it costs and whether it still fits your situation — with no obligation to change anything.
Do you only serve Chinese-speaking clients?
Not at all. Frank serves clients in English and Chinese, and works with families, newcomers, students and professionals from every background across Canada.