For families —protection that fits the life you're actually living.
No jargon, no fear tactics, no one-size-fits-all bundle. Just coverage built from your real numbers — the mortgage, the kids, the incomes — explained until it genuinely makes sense, by an advisor who'd rather educate than sell.
If one income stopped, what would need to keep going?
Family insurance planning starts with one honest question: if a parent died or became seriously ill this year, what has to keep going? The mortgage. Groceries and daycare. Activities, orthodontics, eventually tuition. A surviving parent's ability to grieve without a financial countdown. Coverage is just that list, converted into a number.
For most families, term life insurance carries the core load — substantial coverage during the mortgage-and-kids decades at a modest cost, with contractual conversion rights that let you move to permanent coverage later without new medical underwriting if your needs evolve.
Critical illness coverage answers the scenario families plan for least and face most: a parent survives a serious diagnosis, income pauses, and expenses rise. A lump-sum, generally tax-free benefit funds treatment logistics, childcare, and the mortgage while recovery takes the time it takes.
Tanya's approach with families is deliberately unhurried and education-first: she'll show you the numbers behind every recommendation, tell you plainly when a cheaper structure serves you better, and never design coverage around a commission instead of a family.
Four pieces of a family protection plan.
Income replacement
The anchor number: enough to replace a parent’s income through the years the family depends on it — typically sized in multiples of earnings and shaped by your timeline.
The mortgage & debts
Coverage that retires the mortgage and consumer debt outright — so the survivor owns the house, not the payment schedule.
The kids' runway
Childcare, activities, and education funding protected to adulthood — the promises you’re making with every school-year September.
Living benefits
Critical illness coverage for the survive-but-can’t-work scenario, plus optional child riders — the gap most family plans quietly skip.
Three things Tanya tells families that salespeople don't.
Term is usually right
For the heavy-lifting years, term coverage is often the efficient answer — and Tanya says so, even though it’s the least lucrative thing to sell.
Bank mortgage insurance isn't the same
Lender-owned coverage typically shrinks with your balance, is underwritten at claim time, and names the bank — not your family — as beneficiary. Owned coverage fixes all three.
Buy the conversion right
The quiet superpower in a good term policy: the contractual option to convert to permanent coverage later, regardless of health changes. It costs attention now and can be priceless later.
Education-first isn't a slogan on this page — it's the reason families in Grande Prairie, Surrey, and Ottawa refer their siblings and friends to Tanya after the first meeting.
Families Tanya builds for.
Young family, big mortgage
Two incomes, a new build, two kids under five. The plan: layered term coverage sized to income and mortgage, CI on both parents, conversion rights preserved — maximum protection through the maximum-exposure years.
Single-income household
One earner, one parent at home — whose unpaid work would cost real money to replace. The plan covers both: the income and the caregiving, because losing either changes everything.
The blended family
Yours, mine, and ours — with support obligations and different last names. Named-beneficiary policies deliver defined amounts to defined people, outside the estate and beyond dispute.
The new-to-Canada family
Building from scratch in a new country, often without employer benefits. A clear, affordable foundation of term and CI coverage — explained patiently, in plain language, at whatever pace understanding takes.
Family coverage, answered plainly.
How much life insurance does a family actually need?+
Term or permanent — which should we buy?+
Should we insure a stay-at-home parent?+
Isn’t the insurance through my bank or work enough?+
What about coverage for the kids?+
Family protection advice, across three provinces.
Tanya works with families throughout Alberta — including Grande Prairie, Edmonton, Calgary, Red Deer, and Lethbridge — across British Columbia, including Vancouver, Surrey, Victoria, and Kelowna, and throughout Ontario, including Toronto, Ottawa, Mississauga, Hamilton, and London. Evening and virtual consultations available.
Get the number and understand every line of it.
A one-hour conversation, your real figures, and a plan you could explain to your own parents afterward.