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Personal Insurance Insurance for Business Owners Employee Benefits Registered Investment Options Non-Registered Investment Options Insurance Policy Reviews

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Who I Help overview Professionals Business Owners Families

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Services overview Personal Insurance Insurance for Business Owners Employee Benefits Registered Investment Options Non-Registered Investment Options Insurance Policy Reviews

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SERVICES

Begin with the responsibility or decision, not the product.

The services below are designed to help you review what is already in place, clarify what deserves attention and evaluate options only where appropriate.

Personal Insurance

Life, critical illness and disability insurance can be reviewed in the context of income, family responsibilities, debt, workplace coverage and the financial impact of an interruption to earning ability.

Explore Personal Insurance →

Insurance for Business Owners

Insurance for business owners may include life and living-benefit considerations connected to owners, key people, buy-sell funding, business obligations and continuity. Tax, legal and corporate-structure considerations should be coordinated with the appropriate professionals.

Explore Insurance for Business Owners →

Employee Benefits

Group life, health, dental and disability benefits can be considered in relation to employee needs, business size, plan design and budget. Features vary by provider and plan.

Explore Employee Benefits →

Registered Investment Options

RRSPs, TFSAs, FHSAs, RESPs and RDSPs have different purposes, eligibility rules, contribution rules, tax treatment and withdrawal considerations.

Explore Registered Investment Options →

Non-Registered Investment Options

Non-registered options may become relevant after considering liquidity, time horizon, risk tolerance, taxation and available registered room. Product availability depends on applicable licensing and compliance requirements.

Explore Non-Registered Investment Options →

Insurance Policy Reviews

Existing policies can be reviewed for coverage, ownership, beneficiaries, renewal and conversion features, premium structure, riders and changes in family, employment, income, debt or business circumstances.

Explore Insurance Policy Reviews →

NEXT STEP

Start with what you already have.

A first conversation can help clarify what is already in place, what has changed and whether anything deserves a closer review.

Insurance Advisor

Helping Canadian professionals, families and business owners understand insurance, workplace benefits and investment options with greater clarity.

Insurance Advisor • BC • AB • ON

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Who I Help

Overview Professionals Business Owners Families

Services

Overview Personal Insurance Insurance for Business Owners Employee Benefits Registered Investment Options Non-Registered Investment Options Policy Reviews

Contact

contact@anuragnayak.ca +1 250-731-5313

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Anurag Nayak is licensed to provide insurance services in British Columbia, Alberta and Ontario. Product and service availability may vary by province, insurer, eligibility and applicable licensing requirements.

Information on this website is provided for general educational purposes only and is not personal insurance, investment, legal, accounting or tax advice. A personal recommendation requires an appropriate needs, suitability, eligibility and licensing review. Product features, tax rules and licensing requirements may change.

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Life insurance

Coverage can help protect the people who depend on your income, support estate goals and provide liquidity when it is needed. We start with your responsibilities and existing coverage.

Explore life insurance

Critical illness insurance

A covered diagnosis can bring expenses and time away from work. We can compare lump-sum protection with your savings and existing benefits, including definitions and exclusions.

Discuss critical illness

Disability insurance

Income protection may help when illness or injury keeps you from working. We can compare your group plan, waiting period, benefit duration and personal coverage needs.

Discuss disability coverage

Workplace benefits

Understand what your employer plan covers, what may end when you change jobs, and where personal coverage could fill a gap.

RRSP and TFSA

These accounts serve different goals and tax treatments. We can discuss contribution room, time horizon and how registered savings fit your broader plan.

Discuss this in a call

FHSA and RESP

Plan for a first home or education with account choices that match your timing, eligibility and savings capacity.

Discuss this in a call

Business protection

Protect continuity with a discussion of key person coverage, shareholder agreements and funding for a buy-sell arrangement. Coordinate tax and legal questions with your advisers.

Discuss this in a call

Benefits review

Bring your group plan booklet and existing policies. We can identify overlap, portability questions, exclusions and possible gaps before considering changes.

Discuss this in a call

A coordinated plan

Insurance and savings decisions work best with your broader financial, legal and tax plans. I can help frame the coverage discussion and coordinate with your professional advisers.

Discuss this in a call

Start with a clear review

We can map your existing coverage and savings to your goals, then discuss options and trade-offs in plain language.

Coverage for the moments that matter

Life insurance, critical illness and disability solutions can address different financial risks. The right mix depends on your family, work and budget.

Book a Call

Save with purpose

Registered accounts can support retirement, a first home or education. We can examine RRSP, TFSA, FHSA and RESP choices as part of your wider plan.

Book a Call

SERVICES

Begin with the responsibility or decision, not the product.

The services below are designed to help you review what is already in place, clarify what deserves attention and evaluate options only where appropriate.

Personal Insurance

Life, critical illness and disability insurance can be reviewed in the context of income, family responsibilities, debt, workplace coverage and the financial impact of an interruption to earning ability.

Explore Personal Insurance →

Insurance for Business Owners

Insurance for business owners may include life and living-benefit considerations connected to owners, key people, buy-sell funding, business obligations and continuity. Tax, legal and corporate-structure considerations should be coordinated with the appropriate professionals.

Explore Insurance for Business Owners →

Employee Benefits

Group life, health, dental and disability benefits can be considered in relation to employee needs, business size, plan design and budget. Features vary by provider and plan.

Explore Employee Benefits →

Registered Investment Options

RRSPs, TFSAs, FHSAs, RESPs and RDSPs have different purposes, eligibility rules, contribution rules, tax treatment and withdrawal considerations.

Explore Registered Investment Options →

Non-Registered Investment Options

Non-registered options may become relevant after considering liquidity, time horizon, risk tolerance, taxation and available registered room. Product availability depends on applicable licensing and compliance requirements.

Explore Non-Registered Investment Options →

Insurance Policy Reviews

Existing policies can be reviewed for coverage, ownership, beneficiaries, renewal and conversion features, premium structure, riders and changes in family, employment, income, debt or business circumstances.

Explore Insurance Policy Reviews →