SHE Financial Group Inc., has access to all of the major Canadian life insurance companies products, and most Canadian mutual funds (through our mutual fund dealer Portfolio Strategies Corp.) This diversity of access allows us to search for the best solution for our clients needs. Lowest price is not always the best selection criteria. We also consider other factors, such as:

Contract wording
Definitions, e.g. of disability
Exclusions, i.e. when they won’t pay
For tiered rating, e.g. Term 10, rate comparison in the second 10 year term
Conversion options
Fund manager changes, positive or negative
Portfolio asset allocation changes
Market trends

The above are just a “scratching the surface” of the multitude of considerations we evaluate before recommending a solution to you. It should provide you with some comfort that we take the extra time to ensure we know the product(s) we are recommending. Equally important for us is to impart these nuances to you, allowing you to feel you understand what you are buying.