Athena Financial · British Columbia & Ontario
A serious diagnosis can change more than your health. We help you understand protection that can give you financial breathing room during recovery.
Book my complimentary assessment20-minute introductory call · No charge · No obligation
Start with what matters to you
We handcraft customized solutions tailored to each client. Which priority would you bring to our first conversation?
Your starting point: Understand covered conditions
Let’s talk about itUnderstand your options
A qualifying claim can provide a lump sum that may support recovery costs or other financial priorities. Payment depends on the policy’s definitions and conditions.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
Covered conditions and their definitions vary by policy. A diagnosis alone does not guarantee a benefit; waiting periods and other terms may apply.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
Disability insurance generally addresses lost income when you cannot work. Critical illness coverage addresses specified diagnoses and typically pays a lump sum when policy conditions are met.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
We look at savings, existing coverage, family obligations, and the financial room you would want during recovery. The right amount is personal.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
We learn about your financial habits, your goals, and what matters most to you.
Start with a complimentary conversation
We handcraft a personalized financial plan, with clear recommendations and strategies.
Understand your options and next steps
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.
“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
Critical Illness Insurance pays a lump sum benefit that is generally not subject to income tax if you are diagnosed with a covered serious illness such as cancer, heart attack, or stroke. In Ontario and British Columbia, professionals and incorporated business owners use it to protect their income, cover out-of-pocket medical costs, and keep their business running while they focus on recovery.
Disability Insurance replaces your income if you cannot work. Critical Illness Insurance pays a one-time lump sum, generally not subject to income tax, upon diagnosis of a covered condition — regardless of whether you can work. You can use the funds however you choose: private medical treatment, household expenses, paying off debt, or keeping your practice operational while you recover.
Most Critical Illness Insurance policies in Canada cover life-altering conditions including cancer, heart attack, stroke, coronary artery bypass surgery, kidney failure, multiple sclerosis, Parkinson's disease, Alzheimer's disease, blindness, deafness, and organ transplants, among others. The exact list varies by insurer and policy — Athena Financial reviews all options to find the broadest coverage for your needs.
Yes. Incorporated professionals in Ontario and British Columbia can own a Critical Illness Insurance policy through their corporation, funding premiums with lower-taxed corporate dollars. Athena Financial helps you determine whether personal or corporate ownership is more tax-efficient for your specific situation.
Yes. We serve professionals and business owners throughout British Columbia — including Vancouver, Richmond, Burnaby, Surrey, Kelowna, and Victoria — and across Ontario, including Toronto, Mississauga, Ottawa, Hamilton, London, and Kitchener-Waterloo. Both in-person and virtual consultations are available.
Your next chapter starts here
Bring the question on your mind. 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.”