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We provide professional comprehensive advice, information and guidance on living benefits insurance which helps individuals and families protect assets and preserve wealth.

Living benefits insurance include Disability Insurance, Critical Illness Insurance and Long-Term Care Insurance.

Serious illness preceding death is a frightening prospect. Most of us know someone who has been affected by an illness such as heart disease, stroke, cancer, multiple sclerosis, Parkinson's disease, kidney failure, or another serious medical condition. The effects of the illness on the patient and his or her family can be devastating financially and emotionally.

Critical illness insurance is a type of insurance that covers between 21 and 25 types of illnesses in most cases. An insurance benefit is paid as a lump-sum to the insured person in the event the individual is diagnosed with one of these illnesses specified in the policy.

Disability insurance provides an income if an individual is no longer able to work. If an individual becomes disabled, certain expenses still exist in many cases including; mortgage payments, car payments, education costs for children and other household expenses. Individuals may also find that they have extra costs, such as drugs, medical care or perhaps a specially equipped vehicle.

The chances of becoming sick or injured so that you will be unable to work are about three times greater than the chance that you will die prematurely.


"Vladimir has provided financial advice to my parents regarding their registered retirement savings plans when it came time to convert these plans into retirement income plans. My parents as immigrants who accumulated some wealth were totally comfortable in their dealings with Vladimir and the level of advice that was given to them and our family on other financial and estate planning matters. "
P. Damaso, Manager – City of Mississauga, Mississauga
" I have dealt with Vladimir over the last 10 years and he has helped structure our family's assets in a way that is most beneficial to us and our children. His level of knowledge is far superior to anyone I have dealt with in the past. "
D.Follett, 4th Class Engineer, Toronto, ON

Conservative Investing for Canadians

Vladimir Trkulja wrote Conservative Investing for Canadians providing risk adverse investors with information on a wide array of low risk investments.

Tax Tips and Tax Shelters for Canadians

Vladimir Trkulja's book Tax Tips and Tax Shelters for Canadians was highlighted in the Financial Post and on the Business News Network.

Financial Planning for Canadian Teachers

Vladimir Trkulja authored a personal finance book for educators in Canada helping individuals gain a better understanding of personal finance matters.