Independent life insurance advisor

Protect what
matters most, with advice
you can actually understand.

Insurance isn't about preparing for the worst. It's about protecting the people you love — and building the quiet confidence that whatever happens, they'll be okay.

Portrait of Vera Flores, independent life insurance advisor

"My job isn't to sell you a policy. It's to make sure you never have to think about it again."

— Vera

Independent · unbiased
A hand writing notes in a journal beside a cup of teaAn older couple laughing together in a sunlit kitchen

Meet Vera

Life Insurance & Investment Advisor

With more than 12 years of experience as a Registered Nurse, I have learned that sometimes the most important thing you can give someone is the time to listen. I bring that same patience and genuine care to helping individuals and families make thoughtful decisions about protecting the people they love and planning for the future.

“I believe people deserve to feel heard before they are advised.”

How I help

A small menu of things,
done carefully.

I'd rather do six things properly than sell you thirty. Each of these is a real conversation, not a checkbox on a form.

01

Life insurance

Term, whole life, or a mix — matched to your family, your mortgage and the season of life you're actually in.

02

Critical illness

A lump-sum payment if you're diagnosed, so you can focus on getting better instead of the bills.

03

Disability

Income protection for the years you're supposed to be earning it.

04

Health & dental benefits

For the self-employed, freelancers, and small teams who fell through the cracks of the group plan world.

05

Retirement planning

RRSPs, TFSAs, and the boring math that gives you options later.

06

Business insurance

Key-person, buy-sell, and coverage that protects the thing you built.

The process

Four unhurried steps.
No pressure at any of them.

  1. 01

    We talk

    A 30-minute call. No forms first. Just tell me about your life, your people, what you're worried about, what you're proud of.

    ← this is the whole first step

  2. 02

    Understand your goals

    I take notes — real ones — and come back with what I heard, in plain language. If we're not the right fit, I'll say so.

  3. 03

    Build your plan

    I shop the whole market on your behalf and bring you two or three options with the trade-offs explained honestly.

  4. 04

    Support you for life

    Life changes. Policies should too. I check in once a year, and I'm here the other 364 days.

Say hello

Let's start with
a conversation.

No pressure. No obligation. Just honest advice — in person or wherever you're comfortable.

or drop me a note ↓

I reply personally, usually within a few hours.