Athena Financial · British Columbia & Ontario
Insurance & Protection
Illness, disability, or unexpected loss can strike at any time. Let’s understand what you have, what you need, and what each policy really does.
Book my complimentary assessment20-minute introductory call · No charge · No obligation
Your financial picture
Three kinds of protection. Different jobs to do.
Life insurance
Pays an amount that is generally not subject to income tax to the people who depend on your income, so your plans survive you. It covers debts, replaces income and can even fund estate costs.
Understand your options
Disability insurance
Replaces part of your pay cheque if illness or injury stops you working. It is the cover your income itself depends on.
Understand your options
Critical illness insurance
Pays a lump sum if you are diagnosed with a serious condition such as cancer, a heart attack or a stroke. Benefits depend on the policy’s covered conditions, definitions, and waiting periods.
Understand your options
Not sure where to start? That’s what we’re here for.
Financial Empowerment in 3 Easy Steps
Our process- 01
Meet & Greet
We learn about your financial habits, your goals, and what matters most to you.
Start with a complimentary conversation
- 02
Solutions Meeting
We handcraft a personalized financial plan, with clear recommendations and strategies.
Understand your options and next steps
- 03
Wealth And Maintenance
We implement your plan and stay connected as your work, family, and priorities change.
Keep your plan moving with your life
Real people. Real experiences.
Confidence starts with trust.
“HIGHLY RECOMMENDED! I've been working with Athena Financial for a few years now and the shape of my finances has never been better. Ken and his team are knowledgeable, responsive, and easy to partner with. As a beginner investor back when I started, I felt I had a lot to learn but Ken was great about breaking down concepts to make things easy to understand.”
“Ken and his team is AMAZING !! I been working with them since 2019 and it's still going . Very easy team of people to work with and very responsive to my questions . I highly recommend them !!”
“Ken always goes above and beyond to help you get your money invested the right way. Amazing experience as 5 year client.”
Before we meet.
How much insurance do I actually need?
It depends on what would happen to the people and payments that depend on you. We work from your debts, income, family and existing cover rather than from a generic rule of thumb, then recommend the smallest amount that closes the real gaps.
Is the insurance I get through work enough?
Group cover is a good start, but it usually ends or shrinks when you change jobs and is rarely tailored to your actual numbers. We check what your group plan really pays, then fill the gaps with cover you own personally.
What is the difference between disability and critical illness cover?
Disability insurance replaces a portion of your income while you cannot work, and it can pay many times over a long period. Critical illness insurance pays a single lump sum on diagnosis, which you can spend on treatment, time off or anything else.
Does insurance still make sense if I have savings?
Savings are often exactly why people need less cover, not more. The question is whether your savings would last long enough and still be there for the goals they were meant for. We do the arithmetic with you.
Your next chapter starts here
You bring the goals. We’ll help connect the dots.
We love answering your questions. Your first conversation is complimentary, with no obligation.
Complimentary 20-minute call · No obligation
“Ken and his team are knowledgeable, responsive, and easy to partner with.”