We’re Sarah & David Thompson
We Finally Found Clear Insurance That Made Sense
Sarah stared at the kitchen table covered in insurance brochures, her laptop open to yet another comparison website. Between managing two kids’ after-school activities and balancing household expenses, figuring out life insurance felt overwhelming. “We need this coverage,” she told David over dinner, “but how do we know we’re not paying too much or missing something important?”
The Challenge…
Like many busy families, Sarah and David Thompson found themselves caught between wanting to protect their children’s future and feeling lost in a maze of complex insurance terminology. With a $120,000 household income, they knew they needed more than their basic employer coverage, but every policy seemed to come with confusing jargon and hidden fees they couldn’t decipher.
“What’s the difference between term and whole life again?” David asked, scrolling through another website during their weekly financial planning session. They’d started these Sunday evening discussions six months ago, but progress felt slow. The mortgage, car payments, and everyday expenses for their 5 and 8-year-old made every financial decision feel crucial.
The Breaking Point…
Everything changed when David’s colleague passed away unexpectedly, leaving behind a young family struggling financially despite having “some life insurance.” Sarah couldn’t sleep that night, thinking about their own children. “We can’t keep putting this off,” she whispered to David. “But I need someone to explain this stuff in plain English.”
Finding Saphira…
A friend recommended Saphira Financial after I mentioned my struggles at a school pickup. “They actually took time to understand our situation,” my friend said. “No pressure, just real advice.” When I called Saphira, I was surprised by the conversation. Instead of launching into product details, their advisor asked about my family, my goals, and my concerns. “Tell me what keeps you up at night when it comes to your family’s financial security,” she said.
The Solution…
Saphira’s advisor helped Sarah and David see their insurance needs clearly
Term Life Insurance
Term Life Insurance became the foundation of their plan. “This gives you maximum coverage while your children are dependent on you,” their advisor explained. “It’s straightforward – if something happens to either of you, your family gets the support they need without the mortgage becoming a burden.”
Critical Illness Insurance
Critical Illness Insurance addressed Sarah’s biggest fear. “God forbid one of us gets seriously ill,” Sarah had said. “I don’t want to choose between treatment and keeping our home.” The advisor showed them how this coverage would provide a lump sum if either faced a major health crisis, allowing them to focus on recovery instead of finances.
Segregated Funds
Segregated Funds solved their retirement savings puzzle. “You’re already contributing to RRSPs, which is great,” their advisor noted. “But these funds give you market growth potential with a guarantee that you won’t lose your principal. Plus, they pass directly to your beneficiaries, avoiding probate delays.”
Group Insurance
Group Insurance through David’s employer was optimized. Instead of dismissing their existing coverage, Saphira helped them understand exactly what they had and how to build around it efficiently.
The Difference…
What made Saphira different wasn’t just the products – it was the approach
Finally, someone who speaks my language, I said after our second meeting. “I actually understand what I’m buying and why.”
Peace of Mind…
Six months later, Sarah no longer loses sleep over their family’s financial security. Their plan protects their mortgage, ensures their children’s education funds remain intact, and provides the flexibility to adapt as their family grows. “The best part is knowing our kids will be okay no matter what happens,” Sarah reflects. “And we didn’t have to choose between protecting them and living our lives today. That peace of mind? Absolutely priceless.”