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Let's Plan Well For Tomorrow
So You and Your Family
Can Enjoy Today

We’ve helped countless families get on their path to Financial Success. How can we help you? 

Conversations not Equations

Here are some financial concerns we’ve helped our clients answer.

Resources

Mortgage Life Vs Term
Hervin Pesa

9 Reasons Why Term Life Insurance beats Mortgage Insurance.

Mortgage Life Insurance may not be the right choice when making sure your family has a home if you pass on.

This article will help you understand that you can get the peace of mind you want through Term Life Insurance. Here are 9 reasons to get term life insurance instead.

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About Us

We want to empower you with advice that puts you in control.

Hervin Pesa, CFP

Financial PLanner

Hello,

I’m Hervin Pesa, a Certified Financial Planner. 

Just like you, I am on the ever evolving journey to creating wealth and fulfillment for my family. 

I started in the personal finance space because of my love of numbers but stayed because of my care for people. 

 

Since 2012 I have helped countless of families begin their journey to financial independence and many more protect their wealth. 

 

I founded Aware Financial because I believe, what you don’t know, does hurt you. 

Our purpose is to empower those who are new to wealth building with the tools, insight and motivation to get started. 

We believe that what you don’t know, does hurt you. We’re here to minimize the costly mistakes of accumulating wealth.

We also help amplify the efforts of those who have achieved wealth but are now looking for a way to give more meaningfully and create lasting inheritances that go beyond money.

Life Insurance Solutions

TERM INSURANCE

Term Life is the most affordable type of life insurance, it is also the easiest to understand

The word “term” refers to the length of the policy contract.

“Term 10” life insurance would mean that this contract, at this coverage and at this price will be valid for 10 years. 

“Term 20” life insurance would mean that this contract, at this coverage and at this price will be valid for 20 years. 

This solution if ideal for temporary needs, or needs that have a predetermined  expiry.

Some Examples are:

  • CHILDREN’S EDUCATION FUNDING
  • CAR LOANS AND CREDIT CARDS
  • PERSONAL OR BUSINESS DEBTS
  • MORTGAGES
Consider Term Life Insurance if you budget is a concern and if you know exactly when the obligations goes away.

 

We offer a range of Term Life Insurance Plans from top Canadian insurance providers, making sure have choices, you also have qualified advice to help you make your choices.

 
Click you the button below to receive a no obligation quote tailored to you.
 
 
 
 
 

 

PERMANENT INSURANCE

Unlike Term Life Insurance, Permanent Life Insurance Policies provides Life Insurance coverage that DOES NOT EXPIRE. 

If structured correctly, permanent policies guarantee that premiums will never increase and that your loved ones or your favourite charity will get a TAX FREE benefit.

True Permanent Life Insurance Policies also give you the flexibility in your payment options. This means you have the option of paying it over; YOUR LIFETIME, 10 YEARS, 15 YEARS, 20 YEARS or other accelerated time frames.

When properly structured, Permanent Life Insurance policies also have the ability to accumulate cash values which grow tax free and could multiply the initial life insurance benefits.

The permanence and flexibility of growing cash values tax free, make these ideal for:

  • Final or Burial Expenses
  • Creating or Multiplying inheritances
  • Leaving sizable donations to charities
  • An alternative savings vehicle for the highly taxed

Though permanent policies offer a better appeal for those who “don’t want to throw money away on term”. The added benefits also add complexity and present opportunity for misuse and could result in unintended consequences.
Let’s have a chat before considering permanent plans. 

We offer a range of Permanent Life Insurance Plans from top Canadian insurance providers, making sure have choices, you also have qualified advice to help you make your choices.

Permanent Life Insurance Is not for everybody, ask for a consultation below

HIGH RISK LIFE INSURANCE

High Risk Life Insurance options refer to the clients or applicants being of a higher risk and more difficult to insure. This could be due to:

  • Illnesses or Health Conditions
  • High Risk Hobbies 
  • High Risk Work Environment
  • Age
  • Criminal Records
  • Prior Life Insurance Applications being declined
These cases would require specialized underwriting or advanced knowledge of underwriting rules prior to application.
We offer a range of High Risk Insurance Plans from top Canadian insurance providers.

This allows us to offer: 

  • No Medical Life Insurance Policies
  • Accident Only Life Insurance Policies
  • Guaranteed Acceptance Life Insurance Policies

Alternatively, Aware Financial, my company has a Trade-IN-Your-Term program. We offer our services to review an existing term life insurance policy and exchange it for another plan if the companies and contracts you have allows for it.

Because there policies are highly personalized, getting the right advice means talking about specifics of your case. Book  an appointment by clicking below.

 

 

 

 

Our Life Insurance Providers

Through our agreements with PPI SOLUTIONS, one of Canada’s largest insurance MGAs we are able to access the following insurance providers.

Assumption Life

BMO LIFE

CANADA LIFE

CANADA PROTECTION PlAN

CUSTOM CARE

DESJARDIN

EMPIRE LIFE

EQUITABLE LIFE

FORESTERS FINANCIAL

HUMANIA ASSURANCE

IA EXCELLENCE

IA FINANCIAL GROUP

IVARI

MANULIFE

RBC INSURANCE

SSQ INSURANCE

Sun Life

tHE eDGE bENEFITS

SSQ Insurance

DISCLOSURE: 

If you choose to purchase an insurance or investment product through me, I will receive a sales commission when the product is issued. I may also receive compensation while the product remains inforce and may
receive compensation when you engage in specific transactions. I may become eligible to receive additional compensation and benefits, such as bonuses, travel incentives and other non-monetary rewards, depending
on the success of my business, volume of sales and other factors.

Substantially all of the commissions and other benefits that I receive for products offered through the above noted MGAs do not depend on my recommending the products of any particular insurance company but are based on my business as a whole.

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