FINANCIAL SERVICES
WELCOME TO MY SITE
Our Promise
You deserve the best Insurance and Investment advice for you and your family.
As a broker I can deliver the best coverage now and for your future needs from the top Canadian companies. Your situation and goals are unique, so let's work together to protect and help you grow toward your dreams.
Are you tired of insurance companies that over-complicate things, don’t offer mobile options or give
poor customer service? Don’t worry.
BE Financial has what you’re looking for.
We offer:
✓ Simple and easy insurance policies
✓ Mobile insurance capabilities
✓ Friendly and helpful customer service
Stop settling for insurance companies that aren’t giving you the type of service you’re looking for.
Call BE Financial to book an appointment.
OUR SERVICES
When You Hire BE FINANCIAL SERVICES You Get These Benefits
When You Hire BE FINANCIAL SERVICES You Get These Benefits
LIFE INSURANCE
DISABILITY INSURANCE
CRITICAL ILLNESS INSURANCE
HEALTH AND DENTAL INSURANCE
INVESTMENTS
Who I Am
BE Financial has been providing insurance in location for years.
We founded BE Financial in order to help people get easy and effective insurance coverage.
Plan for it, make it happen! Training for a competition or preparing for a complex presentation requires a plan.
Plan for it, make it happen! Training for a competition or preparing for a complex presentation requires a plan.
So does reaching your financial life goals!
Whether saving for your first home , children's education or transition from your career, I can help you flesh out a plan unique to your goals .
Have Questions About Insurance?
Not Sure What Coverage Is Best For Me?
Not Sure What Coverage Is Best For Me?
Let's Talk - Book a
Call With Me
Get Insurance for Almost Anything You Need
Myths About Life Insurance
Myth: You don't need life insurance when you are young.
Fact: If someone you care about relies on your income and you are no longer there to provide it, you need life insurance. Also life insurance rates are based on your age and health, so lock in your rates early.
Myth: I have no debts, I don't need life insurance.
Fact: Life insurance is an efficient way to pay off capital gains obligations on assets like investments and second homes.
Myth: I don't need more life insurance, I bought mortgage insurance.
Fact: Mortgage insurance will pay off your mortgage only, it will not provide income for all the other expenses for your family. It is designed to cover your obligation to the bank and reduces as you pay down your mortgage.
Myth: I have enough life insurance coverage from my work.
Fact: Most group benefits life insurance coverage is minimal and may not even be enough to cover your celebration of life.
Myth: You don't need life insurance when you are young.
Fact: If someone you care about relies on your income and you are no longer there to provide it, you need life insurance. Also life insurance rates are based on your age and health, so lock in your rates early.
Myth: I have no debts, I don't need life insurance.
Fact: Life insurance is an efficient way to pay off capital gains obligations on assets like investments and second homes.
Myth: I don't need more life insurance, I bought mortgage insurance.
Fact: Mortgage insurance will pay off your mortgage only, it will not provide income for all the other expenses for your family. It is designed to cover your obligation to the bank and reduces as you pay down your mortgage.
Myth: I have enough life insurance coverage from my work.
Fact: Most group benefits life insurance coverage is minimal and may not even be enough to cover your celebration of life.
Myths About Disability Insurance
Myth: I am covered at work through Worksafe.
Fact: If you get hurt outside work hours, you will have no coverage . Worksafe does not cover non work related illnesses as well.
Myth: My work has group disability coverage for me.
Fact: If you are a high wage earner, the coverage may not be enough to replace your income.
Myth: I am saving money and am self insured in case of disability.
Fact: Most people do not have enough saved to cover a serious disability for the rest of their working lives.
Myth: I am covered at work through Worksafe.
Fact: If you get hurt outside work hours, you will have no coverage . Worksafe does not cover non work related illnesses as well.
Myth: My work has group disability coverage for me.
Fact: If you are a high wage earner, the coverage may not be enough to replace your income.
Myth: I am saving money and am self insured in case of disability.
Fact: Most people do not have enough saved to cover a serious disability for the rest of their working lives.
Myths About Critical Illness Insurance
Myth: If I got sick, I would just cash in my RRSP's and use that money.
Fact: Because RRSP's are taxed in the year they are withdrawn, you could pay as much as half of the withdrawal in taxes. A serious illness of 6 months can delay your retirement by 15 years.
Myth: I lead a healthy life, I won't get sick.
Fact: Being healthy lowers your chance of getting ill but healthy people get sick every day.
Myth: My partner could stay home and take care of me.
Fact: These days, most families need both incomes to cover the bills. Critical illness insurance can help pay for time for both partners to replace income while you recover.
Myth: If I got sick, I would just cash in my RRSP's and use that money.
Fact: Because RRSP's are taxed in the year they are withdrawn, you could pay as much as half of the withdrawal in taxes. A serious illness of 6 months can delay your retirement by 15 years.
Myth: I lead a healthy life, I won't get sick.
Fact: Being healthy lowers your chance of getting ill but healthy people get sick every day.
Myth: My partner could stay home and take care of me.
Fact: These days, most families need both incomes to cover the bills. Critical illness insurance can help pay for time for both partners to replace income while you recover.
Myths About Health and Dental Insurance
Myth: Canada has great medical coverage, I would be taken care of.
Fact: While it is true that Canadians have coverage for doctors visits and hospital stays, there are gaps in coverage. Items like prescription drugs, paramedical services like Physio and Registered Massage. Therapists are not covered. Most do not get dental, vision and travel insurance coverage as well.
Myth: I get money back on my taxes for my extended health benefits I don't need Health and Dental insurance.
Fact: The tax credits are minimal , they add up to 15% of what you paid out.
Myth: If I get sick and need expensive medications, I will get it then.
Fact: There are underwriting questions at application. They will not cover existing medications on a new personal plan. Also, if you are self employed or a business owner, the premiums are an expense for your company- saving you tax!
Myth: Canada has great medical coverage, I would be taken care of.
Fact: While it is true that Canadians have coverage for doctors visits and hospital stays, there are gaps in coverage. Items like prescription drugs, paramedical services like Physio and Registered Massage. Therapists are not covered. Most do not get dental, vision and travel insurance coverage as well.
Myth: I get money back on my taxes for my extended health benefits I don't need Health and Dental insurance.
Fact: The tax credits are minimal , they add up to 15% of what you paid out.
Myth: If I get sick and need expensive medications, I will get it then.
Fact: There are underwriting questions at application. They will not cover existing medications on a new personal plan. Also, if you are self employed or a business owner, the premiums are an expense for your company- saving you tax!
Myths About Investment Planning For Your Life
Myth: When I retire, my government pensions will take care of me.
Fact: Yes, Canada has the CPP OAS and GIS pensions. They were never meant to take care of all your living expenses in retirement but they do get you part way there.
Myth: : TFSA's and RRSP's are savings accounts held at a bank.
Fact: TFSA's and all registered plans are just tax efficient places to put a variety of investments and can hold a number of assets for both short and long term goals. I can help create the right mix for you.
Myth: All investments are risky.
Fact: Investments should be chosen based upon your risk tolerance and investment horizons.I work with many institutions and will work on your best behalf to select them for success.
Myth: When I retire, my government pensions will take care of me.
Fact: Yes, Canada has the CPP OAS and GIS pensions. They were never meant to take care of all your living expenses in retirement but they do get you part way there.
Myth: : TFSA's and RRSP's are savings accounts held at a bank.
Fact: TFSA's and all registered plans are just tax efficient places to put a variety of investments and can hold a number of assets for both short and long term goals. I can help create the right mix for you.
Myth: All investments are risky.
Fact: Investments should be chosen based upon your risk tolerance and investment horizons.I work with many institutions and will work on your best behalf to select them for success.
Just a reminder that each one of my services on this webpage is explained in general terms.
Everyone's situation is unique and it would be impossible to explain it all.
To find out how this service would apply in your situation or how you can improve your current Insurance coverage to save money, click the button below and book a call with me.
Everyone's situation is unique and it would be impossible to explain it all.
To find out how this service would apply in your situation or how you can improve your current Insurance coverage to save money, click the button below and book a call with me.
Book A FREE Consultation Session With Me Now
CALL ME NOW
Call us today at (604) 202-0061 to book an appointment.
Have all Your Questions About Insurance Answered Now
Have all Your Questions About Insurance Answered Now
Frequently Asked Questions
Why do You Need Health and Dental Insurance?
Canada has a pretty good public health system but there are gaps in coverage that can really add up. It covers drugs, dental, travel, vision and many other medical specialties like registered massage therapy , physio, and medical professionals that can other keep you at your best .
** Check our Myth's answers for more info
** Check our Myth's answers for more info
Why Do You Life Insurance?
A vital part of a financial plan. It provides tax free money when you are not there to provide for those you care about. It also can be an exceptional way to shelter taxable income.
Why do You Need Disability Insurance?
Everything you have in your life relies on your ability to generate an income. This provides a monthly benefit if you are unable to work due to illness or injury for a while -or for the rest of your career.
Why do You Need Critical Illness Insurance?
This coverage was devised from a surgeon who had patients that survived a
a serious illness but their finances did not. It provides a lump sum benefit if you come down with one of the listed critical illnesses
a serious illness but their finances did not. It provides a lump sum benefit if you come down with one of the listed critical illnesses
Why do You Need Insurance for Your Business?
You work hard to grow your business- protect it, your employees and your family legacy through vital insurance coverage. Many of the products I place for my business owners allow for tax efficiency and continuity regardless of the situation.
What About Investments?
You have to fill the bucket before you can drink. There are a myriad of investment accounts and vehicles that can be explored to help you reach your goals faster and with less taxes paid.
I can hep you navigate the world of RRSP, TFSA RESP and the like. Together we can build a resilient portfolio to get you to your goals faster.
What About Investments?
You have to fill the bucket before you can drink. There are a myriad of investment accounts and vehicles that can be explored to help you reach your goals faster and with less taxes paid.
I can hep you navigate the world of RRSP, TFSA RESP and the like. Together we can build a resilient portfolio to get you to your goals faster.
Address
#5-1529 W. 4th Ave.
Vancouver B.C. V6J 1L6
Email
brent@befinancialservices.com
#5-1529 W. 4th Ave.
Vancouver B.C. V6J 1L6
brent@befinancialservices.com
