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Hervin Pesa

CONFIDENTLY

GROW

the wealth you've always wanted and deserve

and Financial Planning

Podcast and Show

Financial PLanner

Hervin Pesa, CFP

About Me

Hello,

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.

 

Life

INSURANCE

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 qualifies 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 qualifies 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.

Finance off the boat

This is the Finance of the Boat Show The Personal Finance show dedicated to giving New canadians the tools, knowledge and skills they need in creating their plan for financial freedom without losing the richness of today.

yoUTUBE

podcast

coming soon!

Contact Us

Let's Get in Touch

1-403-472-6949

Mon – Fri 8:30AM-3:00 PM MST

1210 8 St SW #300, Calgary, AB T2R 1L3

TERM or PERMANENT?

TERM

PERMANENT

What is it?

Temporary protection (limited time)

Life long Protection Can Accumulate Cash Value Used for Estate Planning

Who is it for?

Young Families and Mortgaged Homeowners

Long Term Focused Individuals

People Looking Beyon RRSP and TFSA

What is it?

Cheap to START
Get lots of insurance.
Simple

Guaranteed Premiums For life. Later in Life, Cheaper than term. Opportunity for tax advantaged cash value growth.You can borrow against the policy

What is it?

Coverage ENDS The Cost Increase hurts after renewal No Cash Value

Expensive for younger people compared to term. Not as simple due to tax and legal implications.

What is it?

When Younger When Needs are temporary ( mortgage, kids being dependent)

Later In Life When the Cash Value becomes substantial. 
Highly Taxed individuals.