Secure

Your Future

Protecting Your Loved Ones with Reliable

Life Insurance Solutions

Meet Alex

Alex Lam and CF Financial help families protect and grow their wealth through reliable life insurance and smart financial investment solutions. With a focus on clarity and confidence, Alex empowers you to secure your future and take control of your financial journey.

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Coverage

Crafting extraordinary events tailored to your unique vision.

Term Life Insurance

Our affordable Term Life Insurance offers a death benefit for a specified term, ensuring your loved ones' financial stability in case of any unfortunate events.

Permanent Insurance

Secure your family's future with our permanent Life Insurance, providing lifelong protection.

The solution specifically designed to meet your highest expectations in permanent life insurance.

Universal Life Insurance

Universal life insurance

A combination of permanent life insurance and savings

Offers you lifetime coverage and the opportunity to save with certain tax benefits.

It's the ideal solution if:

You would like to leave a significant inheritance

You have contributed the maximum amount to your RRSP and your TFSA

You would like to protect the value of your company

Final Expense Insurance

Ease the burden on your family during difficult times with our Final Expense Insurance, covering funeral and other end-of-life expenses.

Segregated funds combine investment growth with insurance protection. They work alongside your RRSP, TFSA, RESP, or First Home Savings Account to help you save while protecting your investment with guarantees and estate planning benefits.

Frequently Asked Questions

Common Questions Answered for your convenience.

Why should I work with LifeAdvisor.ca instead of going directly to an insurance company?

Great question. When you go directly to one company, you only see their products. At LifeAdvisor.ca, I work with CF Canada Financial and a team of CPAs, financial planners, and partners to review options from Canada’s top providers. That means you get unbiased advice and a plan tailored to your unique needs, not a one-size-fits-all product. Our goal is simple: protecting your financial wellbeing and giving you peace of mind for the future.

How much does life insurance cost?

The cost of life insurance depends on your age, health, lifestyle, and the amount of coverage you choose. For some, it can be as affordable as a few dollars a day. At LifeAdvisor.ca, we shop the market through CF Canada Financial to compare quotes from Canada’s top insurers, so you get the right coverage at the best value for your situation.

How does the application process work?

The process is simple. We start with a free one-on-one conversation to understand your needs and goals. Then, I gather some basic health and lifestyle information to match you with the right coverage options from Canada’s top insurance providers. Many applications can now be completed online, and in some cases, no medical exam is required. My role is to make the process as smooth as possible and guide you step by step.

How do claims work, and will my family actually get paid out?

Yes — life insurance is designed to pay out when your family needs it most. When a claim is filed, the insurance company reviews the policy and verifies the details. Most claims are processed quickly, and benefits are paid directly to your chosen beneficiary. At LifeAdvisor.ca, I work with you to ensure your policy is set up correctly from the start, and if your family ever needs to make a claim, they won’t be left alone — I’ll be there to help guide them through the process.

What are living benefits, and why should I consider them?

Life insurance protects your family after you’re gone, but what happens if you face a serious illness or disability while you’re still alive? Living benefits provide financial support during those unexpected moments. Coverage like critical illness, disability, or long-term care insurance helps you maintain your lifestyle and cover expenses if you can’t work due to health challenges. At LifeAdvisor.ca, I can show you how these benefits fit into a complete protection plan, so you and your family are covered no matter what life brings.

I’m a business owner — how can insurance help me?

Insurance isn’t just for families — it’s a powerful tool for business owners too. Corporate-owned insurance can help fund buy-sell agreements, protect against the loss of a key partner, and provide tax-advantaged ways to build wealth inside your company. It also supports succession planning, so when it’s time to pass on your business, you can protect both your company and your family’s financial wellbeing. At LifeAdvisor.ca, I’ll work with you to create solutions that align with both your personal and business goals.