I’m Hervin Pesa, a Certified Financial Planner and 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.
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:
We offer a range of Term Life Insurance Plans from top Canadian insurance providers, making sure have choices, you also have qualifies advice to help you make your choices.
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:
Permanent Life Insurance Is not for everybody, ask for a consultation below
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:
This allows us to offer:
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.
Through our agreements with PPI SOLUTIONS, one of Canada’s largest insurance MGAs we are able to access the following insurance providers.
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.
Mon – Fri 8:30AM-3:00 PM MST
1210 8 St SW #300, Calgary, AB T2R 1L3
Long Term Focused Individuals
People Looking Beyon RRSP and TFSA