Live your dream

**Ensure Your Family's Financial Security With Retirement And Insurance Protection**

You may qualify up to $700K to $1M without a medical

Become Financially Ready

Plan your life with confidence

We offer you a full line of personal insurance & registered retirement and tax-free savings accounts to suit your needs.

Savings & Growth

Combine the power of saving and insurance retirement planning strategies, to grow your wealth exponentially, and enjoy financial freedom.

Life Insurance

From Universal Life, Whole Life, to Term—Don’t be afraid. Life Insurance doesn’t have to be difficult. I can walk you through the difference between them. We can discuss how much coverage you need and how you and your loved ones can both benefit!

Other Services

Whether it’s Travel, Critical Illness Insurance, or Children’s Education Plan, I can walk you through a full line of personal insurance & registered retirement and tax-free savings accounts that may suit your needs! We partnered an experts as well for your credit consolidation.

Disability Insurance

Secure income protection in the event of disability, and physical limitation to work.

Business Protection

Shield your company’s growth and financial well-being in the event of business interruption or need for operational support.

Final Expense

Pre-plan your final expense costs and give your family the financial support they need in their most vulnerable hour.

About us

Hello, I'm Fernan Cagara and my wife

We are independent life insurance brokers based out of our Winnipeg office located at .

I currently hold a Life, Accident, and Sickness license in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, Nova Scotia, Prince Edward Island, Newfoundland & Labrador, Northwest Territories while is licensed in

We'll keep you updated bi-weekly and annually

We're available to you 24/7

We're partnered with some of the Best Rated Life Insurance Companies in Canada.

Fernan Cagara's Story

Like many who arrive in Canada, I carried a suitcase full of dreams and a heart full of hope. But as I navigated my new life, I quickly realized that dreams also require understanding – understanding of a system that was foreign to me, especially when it came to financial literacy.

I remember vividly the complexity of financial decisions, the confusion around terms like 'credit score' and 'insurance policies.

These were not just terms; they were keys to a stable life, and I lacked the knowledge to use them effectively.

This realization was my wake-up call.

It sparked a passion within me, a passion to learn, to understand, and to empower not just myself but others like me.

As I embarked on my quest for knowledge, I found my true calling in the field of life insurance. It wasn't just about policies and premiums; it was about people, families, and their futures.

It was about protecting dreams and ensuring that the financial confusion I once faced didn't become a stumbling block for others.

Now, as a life insurance broker, I am more than just an advisor; I am a guide for those who are on a similar path I once walked.

I'm here to demystify the financial nuances that can empower a family's legacy, to be the beacon for those navigating through their own financial journeys in Canada.

"Our passion is to empower you to take that burden of trying to figure it out yourself, and we help you achieve your financial goals with high-quality service with a free consultation."

And here's the truth – financial issues are a top cause of divorce, cited in approximately 40% of cases.

This isn't just a statistic; it's a reality that many families face, one that I am determined to change.

Through financial literacy and tailored life insurance solutions, we can safeguard not just our assets, but our relationships and our children's futures.

I share this story because I know there are more people out there with the potential to make a difference. You might be seeking a career that aligns with your passion for helping others, looking for a meaningful pivot in your professional life, or yearning to be a part of a community that uplifts through education and support.

Together, we can create a legacy of knowledge and protection that transcends borders and generations.

Take the first step towards securing a better future for you and your family

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Receive a personalized life insurance quote tailored to your unique needs. Act now for peace of mind tomorrow.

Any questions? I look forward to hearing

from you!

I know that your time is sacred, I’ll be in touch soon! You can also visit one of our offices!

Fernan Cagara

Independent Insurance Brokers

Contact us

[email protected]

Or have a casual chat from our brokers

Want to get in touch? We love to hear from you.