Life Insurance Advisor You Can Rely On
Providing life insurance in Nova Scotia, along with travel, health, and disability insurance tailored to your needs
Claim denied!
One of the reasons I have remained an insurance representative since 2012 is I know I can do a great deal to prevent people from hearing those two words. Unfortunately not all representatives do the same.
If you are dea;ing with someone else refer to our list of “Important Things to Know When Buying Insurance” below.
Trust Worthy
Making sure clients understand their insurance products and have the coverage they need is a top priority.
Experienced
Since 2012 Heather has been providing a variety of insurance products and has dealt with many insurance providers.
Professional
In addition to being a licensed insurance representative, Heather is a CPA and has years of training and experience she rings to her work.
Waiting to buy insurance until you need it, is like building a fence after the horses escape.
What we Do
Individual Insurance Coverages
(Excluding Home, Auto and Liability)
We offer an insurance needs analysis at no charge as part of our service.
Life Insurance
Including Term life, Universal life, Whole life and Participating life policies. Each of these fulfills a different need and has a different price point.
We are happy to explain the various options. and review the insurance you currently have.
Disability Insurance
One in four of todays 20 year old will be disabled before they are 65.
Personal disability insurance payouts are not taxable.
Your earning potential is your biggest asset, protect it.
Critical Illness Insurance
When you get a serious diagnosis the last thing you want to worry about is money. Critical illness insurance is designed for that type of situation.
Travel Insurance
Be confident in your coverage when you travel.
Coverages for Canadians travelling both inside and outside Canada including medical and non-medical coverages
“Supervisa”
Medical plan coverage is available for non-Canadians coming to Canada
Health Insurance
Options range from personal coverage, to just an “add on” to group coverages to protect your insurability if you leave the job. You can get a plan that is tailored to you.
What you may not know about insurance…
Heather has been providing support and advise as it relates to insurance for my mother. The experience working with her as been phenomenal and comes highly recommended because of caring personality. No matter what time of day she has been there to provide the support that I need and I am grateful to be working with her.
Important Things to Know When Buying Insurance
Policies have “exclusions”. These are things that are not covered. Your agent should explain these to you. If they haven’t, read the policy and ask them questions or ask them to go through it with you.
Ask if there is a period for full refund and take the time to read over the policy during that time and get your questions answered.
You should understand what you are buying. I feel it is my duty to expalin the product(s) you are buying, why they are best for you and why that particular company is a fit.
I usually offer two options with comparisons so you can make informed decisions.
You should feel comfortable with your advisor. If you aren’t then shop around.
Contact Us
Please note: If Heather is in a meeting she will return your call or text as soon as she is able.
(902) 841-0073
Digby Nova Scotia, B0V 1A0 - Servicing all of Nova Scotia
– Appointments via zoom, WhatsApp or in person.
Flexible - via appointment only
Talks & Trainings
In addition to the one to one service you can expect from Heather as a top notch insurance agent, Heather also offers customized talks and trainings for groups to better understand financial matters, insurance, mindset, and more.
If you have a group that would benefit from learning more about creating and maintaining Prosperity in their lives, contact Heather to see if she is available.