Russ Smart, the owner, started selling life insurance on the internet over 4 years ago and has built a network of over 10 independent brokers with over 100 years of combined experience who can deal with almost any insurance situation that might arise. He is licensed to sell life insurance across Canada. We are all associated with Equinox Financial Group Custom Plan, winner of the Consumer's Choice Award for Greater Vancouver for the past three years. Equinox Financial Group is a national company of Independent Financial Planners and Insurance and Investment Specialists.

About Russ Smart, in his own words:

My extensive corporate and small business experience coupled with a Masters in Business Administration and life experiences has provided a sensitivity and insight that my clients have found to be of great benefit. I am a life long valued resource who helps my clients make better and more informed decisions about their personal insurance both now and in the future.

I focus on those personal insurance issues that I do for myself now and wish someone had cared enough and had the expertise to help me in the past.

Here are a few of the services I offer, and some questions that all of us need to reflect upon as we plan our futures.

Are you like I was a number of years ago - Lots of questions with no answers?

Do you know the role of disability insurance in meeting your monthly income needs if you can not work for an extended period of time? What is the most cost effective type of policy for your unique situation?

More critical illness insurance is sold in the United Kingdom than Life Insurance. Let me show you why? Is it an inexpensive private medical insurance?

How can you write off all your medical and dental expenses against your company or business income? Compare it to the cost of group plans. Saves Taxes!

Let me show you how to convert your RRSP’s to a tax-free benefit for your loved ones.

Do you know that you can prepay the cost of your or your parent’s (and your) extended care in a first class private nursing home of your choice? It is much less expensive than many think. Call me for more information – you can not rely on the Government for this!

Did You Know?

Over 50% of our clients appreciate a savings of 30% or more!

Ask Russ for Help

There are significant differences between some companies in the percentage of people who will qualify for preferred rates ranging from under 50% to over 75%.