Life insurance isn’t just for worst-case scenarios — it’s a smart, strategic move. Whether you're protecting your family, your mortgage, your business, or your future, this isn't about fear — it’s about freedom.

I’ll show you how today’s most intentional individuals use life insurance to secure income, build legacy, and create options. No fluff, no pressure — just the real strategy behind real protection.

Simplified Insurance

Life insurance isn’t just for worst-case scenarios — it’s a smart, strategic move. Whether you're protecting your family, your mortgage, your business, or your future, this isn't about fear — it’s about freedom.

I’ll show you how today’s most intentional individuals use life insurance to secure income, build legacy, and create options. No fluff, no pressure — just the real strategy behind real protection.

LIFE INSURANCE

Maybe you just need a simple, affordable term policy to protect your family and your mortgage. Or maybe you’re looking for something permanent that builds value over time and becomes part of your legacy. Either way, I’ll walk you through the options, explain what actually matters, and help you choose what fits your life, goals, and budget.


No jargon. No pressure. Just real solutions that make sense for where you’re at.

CRITICAL ILLNESS INSURANCE

Cancer rates in young adults are rising — and it’s not something anyone plans for.

If it happens to you, the last thing you should worry about is how to stay afloat financially. Critical illness insurance pays you a tax-free lump sum upon diagnosis of a covered condition like cancer, heart attack, or stroke.

I typically start clients with $100,000, but coverage can be customized to fit your needs. There are no restrictions on how it’s used — take time off work, access treatment, support your family, or just breathe. It’s financial relief when you need it most.

DISABILITY INSURANCE

Your biggest asset isn’t your home — it’s your ability to earn an income. If an illness or injury puts you on pause, disability insurance provides a tax-free monthly income so you can keep your life moving while you recover. Whether you’re an employee or business owner, it helps cover your bills, lifestyle, or even your overhead.

I’ll help you choose the right benefit amount and features based on how you live and work — so you’re covered when it really counts.

HEALTH & DENTAL INSURANCE

Health and dental costs add up — fast.

From prescriptions to cleanings, physio to paramedical care, the right plan helps keep your budget on track. Whether you’re self-employed, between jobs, or just need more coverage, I’ll help you find a health and dental plan that actually fits your life — no fluff, just real protection from out-of-pocket surprises.

Simplified Insurance

Unlocking Wealth

Unlocking Wealth

Life insurance isn’t just about protection — it’s access, speed, and strategy. You can bypass probate and get funds directly to your loved ones without waiting for your will to be executed (and yes — you still need a will, something I’ll always remind you of).

Whole life policies can grow cash value you can tap into, and if you’ve maxed out your TFSA, RRSP or FHSA, you can even use additional deposits to grow your wealth tax-free inside a policy. It's time to stop thinking of insurance as a backup plan — and start using it like the financial tool it really is.

Get Started

Say goodbye to sleepless nights, and hello to financial growth. Just a click away is your guide to securing your empire, boosting wealth, and leaving a lasting legacy for future generations.

Get Started

Contact

kbarbalat@fostergroup.ca

Direct: 416-453-1152

Toll Free: 1-855-271-2442

Foster & Associates Financial Services Inc.
25 King Street, West, Suite 2100
Commerce Court, PO Box 228
Toronto, Ontario, M5L 1E8, Canada

© 2024 Karen Barbalat

Contact

kbarbalat@fostergroup.ca

Direct: 416-453-1152

Toll Free: 1-855-271-2442

Foster & Associates Financial Services Inc.
25 King Street, West, Suite 2100
Commerce Court, PO Box 228
Toronto, Ontario, M5L 1E8, Canada

© 2024 Karen Barbalat

Contact

kbarbalat@fostergroup.ca

Direct: 416-453-1152

Toll Free: 1-855-271-2442

Foster & Associates Financial Services Inc.
25 King Street, West, Suite 2100
Commerce Court, PO Box 228
Toronto, Ontario, M5L 1E8, Canada

© 2024 Karen Barbalat