Protect the mortgage, income, and family behind the home

What GEP does and does not do

Property home insurance protects the physical house, belongings, liability, and certain damage claims. That should be reviewed with a licensed property and casualty broker. GEP focuses on the personal insurance and financial planning side: what happens to the mortgage payment, family cash flow, and long-term plan if death, illness, disability, or retirement changes the household income.

• We do not quote property home insurance for the physical house
• We do review mortgage protection and personally owned life insurance
• We help compare disability and critical illness coverage for income risk
• We connect protection planning with retirement income and estate goals

Why homeowners still need this review

Many homeowners insure the property right away but never properly review the income that pays for it. A homeowner protection review looks at the mortgage balance, household income, children or dependants, debts, emergency savings, workplace benefits, existing policies, and monthly budget before recommending any next step.

Good moments to review protection

• Buying a first home or moving to a larger home
• Renewing, refinancing, or changing lenders
• Being offered lender mortgage insurance during the mortgage process
• Having children, changing jobs, becoming self-employed, or losing benefits
• Approaching retirement with a mortgage, pension, RRIF, LIF, CPP, or OAS decisions

What the review can compare

A review can compare personally owned life insurance, mortgage protection, disability insurance, critical illness insurance, health coverage, final expense needs, retirement income planning, and whether existing coverage is already doing enough. The goal is not to buy the biggest policy possible. The goal is to protect the right risks in a way that fits the household budget.