Insurance Services
Insurance Services That Truly Fit You
We believe insurance should do more than just protect—it should empower. It’s not about selling products; it’s about understanding your unique needs and ensuring the people and goals you care about most are protected, no matter what.
That’s why we’ve partnered with Financial Horizons Group, one of Canada’s leading managing general agencies (MGA). With access to over 20 of the country’s top insurance carriers, we can shop the market on your behalf to find the most appropriate coverage—at the most competitive price.
Purpose-Driven Coverage, Not Pushy Sales
Our advisors have a clear bias: we only recommend insurance policies when they’re necessary and meaningful to your financial plan. If you don’t need the coverage, we’ll tell you. Our goal is to ensure that every dollar you spend on premiums is supporting a protection strategy that makes sense for your life and your goals—not one that’s driven by product quotas or commission structures.
Why insurance matters?
Over the past decade, insurance solutions have evolved—not just in what they offer, but in how we think about them. At its core, insurance is a financial tool designed to reduce risk and bring confidence to your long-term strategy. Whether it’s:
- Replacing income in the event of a wage earner’s death
- Paying off debts like a mortgage
- Covering final expenses and estate taxes
- Creating or equalizing an estate
- Leaving a charitable legacy
Insurance plays a vital role in helping you and your family remain financially secure, even in the face of life’s unexpected events.
Our Process: Needs-Based, Not One-Size-Fits-All
Your story is different, so your insurance strategy should be too. Our approach begins with a thoughtful conversation and a needs-based assessment. We’ll ask meaningful questions to better understand:
- Your family dynamics and financial picture
- The income your family depends on
- Your vision for retirement and estate planning
- Existing benefits and coverage
- Your risk exposure and long-term goals
This helps us paint a full picture of your financial life—and spot the gaps before they become problems.
Backed by Strength and Experience
Through our partnership with Financial Horizons, we benefit from a deep bench of industry knowledge and support. With thousands of advisors across Canada and hundreds of experienced professionals behind the scenes, we’re part of a network built to serve you better.
- Access to top-tier insurance providers
- Objective advice with no product
- Strength in scale with a personal touch
Let’s Find the Right Fit for You
Insurance isn’t something you set and forget—it’s something you tailor to reflect where you are today and where you want to be tomorrow. Let us help you build that plan with clarity, care, and only the coverage that truly serves you.
Contact Cornerstone Financial Management today to schedule a free consultation. We’ll walk you through your options and give you the confidence to protect what matters most.
Get a Complete Insurance Analysis
We will work with you to ensure you get a complete insurance analysis, the correct type of insurance, and ensure you are not paying too much.
Additional Resource Links
Related Services
We offer a number of financial management services, all individually tailored for your goals.
Tax Planning
An investment tax strategy is not just about writing the government a cheque; it’s also about lowering taxes.
Financial Planning
Estate taxes, income taxes & education funds are a few of the complex aspects of your total financial picture.
Estate Planning
Estate planning is for everyone. In Canada, No estate tax is owed when an estate is transferred to heirs.
Retirement Plans
If you have an established Retirement Savings Plan or are just beginning, it is never too late to begin saving.