Protect the life you’re building.
Understand your insurance options and prepare for the financial impact of illness, disability, or loss. SecureAssets helps individuals, families, and business owners make protection decisions with greater clarity.
Siddharth Sood, MBA, RFA®, is a licensed life insurance advisor in Ontario, British Columbia and New Brunswick, based in Kanata, Ontario.
Clear conversations about what matters most.
SecureAssets helps individuals, families, and business owners prepare for the financial impact of life’s uncertainties. Through clear conversations about insurance, income protection, and long-term priorities, SecureAssets helps people understand their options and make informed decisions about what matters most.
SecureAssets is an advisory practice, not an insurance company. Coverage is provided by insurers, subject to their policy terms and approval.
Start with your situation.
Choose the description closest to yours. Each leads to plain-language information and a next step.
Why protection matters.
Most households and businesses carry commitments that continue even when income or health changes.
- Household expenses keep arriving during recovery or a long absence from work.
- A mortgage or other debts remain with the people left responsible for them.
- Dependants may rely on one income for years of education and support.
- Recovery time from serious illness or injury can be longer than savings planned for.
- A business may depend on one owner or key person to keep operating.
Insurance can help address some of these costs. It does not remove every uncertainty or guarantee financial security.
Protection options.
Open any option for what it is, who it may suit, the trade-offs, and what a first conversation can cover. Product terms, eligibility and pricing depend on the insurer and policy.
Life insuranceSupport for the people who depend on you
What it is. A policy that pays a benefit to your named beneficiaries if the insured person dies. Term covers a set period. Permanent insurance, such as whole life or universal life, is designed to last for life.
Who may find it relevant. People with dependants, a mortgage or other debts, or a business partner relying on them.
Trade-offs. Term usually costs less for the same coverage amount but ends when the term does, and renewal or conversion rules vary. Permanent insurance costs more and may include a cash value, which has its own conditions and fees. Underwriting and health history affect approval and price.
A first conversation can cover your responsibilities, a rough coverage range, and the difference between term and permanent. Request a consultation
Disability and income protectionIncome if illness or injury stops you working
What it is. Insurance that pays regular income if you cannot work because of illness or injury, subject to the policy’s definition of disability.
Who may find it relevant. Employees without strong workplace coverage, self-employed people and professionals who rely on their earnings.
Trade-offs. Waiting periods, benefit length, definition of disability and exclusions all change cost and usefulness. Benefits are paid as income, not as a lump sum.
A first conversation can cover existing workplace benefits, your monthly essentials and which policy terms matter most. Request a consultation
Critical illness insuranceA lump sum after a covered diagnosis
What it is. A policy that pays a one-time benefit if you are diagnosed with a condition the policy covers and you meet its conditions.
How it differs from disability insurance. Critical illness pays after a covered diagnosis, whether or not you can still work. Disability insurance pays income while you cannot work, whatever the cause the policy recognizes.
Trade-offs. Only listed conditions qualify, definitions are specific, and some policies include survival periods. Pricing rises with age and health factors.
A first conversation can cover how it would sit alongside any disability or life coverage you hold. Request a consultation
Travel insuranceMedical and trip protection away from home
What it is. Short-term coverage that may help with emergency medical costs and trip disruptions while travelling.
Who may find it relevant. Canadians travelling outside their province or country, and families arranging visitor coverage, where available.
Limitations. Eligibility, exclusions, age limits and treatment of pre-existing conditions depend entirely on the policy you choose, so read the terms before you buy.
A first conversation can cover your trip, your health-related questions and which policy features to compare. Request a consultation
Business protectionContinuity if an owner or key person is affected
What it is. Insurance-based planning to help a business manage the financial effect if an owner or key person is ill, disabled or dies.
Who may find it relevant. Owners, partners and professionals whose business depends on a small number of people.
Limitations. This is not general commercial property, liability or business interruption insurance. Which solutions fit depends on your structure and the insurers’ rules.
A first conversation can cover who the business depends on and what would need to continue. Request a consultation
Final expense insuranceFuneral and end-of-life costs
What it is. A smaller life insurance policy intended to help cover funeral and related costs.
Who may find it relevant. People who want to spare family from these costs, including those who find larger policies hard to obtain.
Trade-offs. Coverage amounts are modest, premiums per dollar of coverage can be higher, and some policies limit benefits in the first years. Compare terms carefully.
A first conversation can cover likely costs and how this fits with other coverage. Request a consultation
How we work together.
Good protection starts with your life, not a product. These are the conversations we have, in this order and at your pace. There is no pressure to decide at any step.
What matters most to you
Family, health, security, freedom, making a difference. We start with your reasons, because they should guide every decision.
Where you are in life
Starting out, building a home, raising a family or planning ahead. We look at what is happening now and what is coming next.
What you’re working toward
Your children’s education, travel, a home, financial independence, retirement or a legacy. A clear goal gives the plan a destination.
Your numbers
Income, expenses, savings, debts and the protection you already have. This shows the choices open to you today. Try the planning tools
What could get in the way
We talk through illness, disability or loss, and what each would mean for your plans. The aim is to understand, not to alarm.
A plan built together
We connect the options within the services SecureAssets is licensed to offer to your priorities, resources and goals.
Your decision
We explain the alternatives, benefits, limits, cost and your responsibilities in plain language, so you can decide with confidence.
Staying on track
Family, work, finances and priorities change. We revisit your plan and your coverage as they do.
Meet your advisor.
Siddharth Sood, MBA, RFA®, is a Registered Financial Associate and licensed life insurance advisor in Ontario, British Columbia and New Brunswick. He is based in Kanata, Ontario.
Before moving into insurance advice, he spent more than 15 years in supply chain and operations, work built around finding weak points before they cause damage. That is the lens he brings to household and business protection: name the exposure, understand the trade-offs, then decide.
Applications can be completed online or offline.
Planning tools.
Educational estimates only. They are not quotes, eligibility checks or recommendations. Nothing you type leaves your device, and you do not need to share contact details to see results.
Resources and FAQs.
I’m not sure where to start.
Start with who relies on your income and what would need to keep being paid if it stopped. That usually points to life, disability or critical illness first. The tools above can give a rough sense of size.
How do I review my existing insurance?
Gather your policy summaries, workplace benefit booklet and any mortgage insurance. Check amounts, term end dates, exclusions and beneficiaries. A consultation can compare these with your current responsibilities. Do not cancel existing coverage before you know what replaces it.
How should I prepare for a consultation?
Bring a rough list of debts, monthly essentials, who depends on you, and any coverage you already have. You do not need exact figures or documents to begin.
Term or permanent life insurance?
Term is generally lower cost and covers a defined period, which suits needs that will shrink, such as a mortgage. Permanent insurance lasts longer and may build cash value, but costs more and is more complex. Neither is better for everyone.
Critical illness or disability insurance?
Critical illness pays a lump sum after a covered diagnosis. Disability insurance pays ongoing income while you cannot work. They address different risks, and some people consider both.
When should I review my coverage?
Common reasons include marriage, a child, a new mortgage, a job change, starting or leaving a business, a major raise, and approaching retirement.
Does travel insurance cover pre-existing conditions?
It depends on the policy. Many require a period of medical stability or exclude certain conditions. Read the definition of pre-existing condition and the exclusions before you buy.
Request a consultation.
Tell us what you would like to discuss. Submitting asks Siddharth to follow up with you. It is not an application for coverage and creates no obligation. Please do not include medical or financial account details here.
Prefer to talk? Call +1 (343) 988-1145.
Or send a request below and he will follow up with you.