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Shaun Veness · Licensed Insurance Broker · Ontario · Alberta · British Columbia

Protecting what
matters most —
your family’s future.

Independent life, disability, and critical illness coverage tailored to your situation — not a shelf product. Clear advice, carrier choice, and a broker who stays with you as life changes.

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25+
Carrier partners
100%
Independent broker
ON · AB · BC
Licensed provinces
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About Shaun

A trusted broker,
not just a salesperson.

  • Independent access to 25+ top Canadian insurance carriers — no captive bias, ever.
  • Straightforward advice built on your situation, your income, and your family’s real-life risk.
  • Long-term relationships over one-time transactions. Shaun stays with you as your life changes.
  • Deep knowledge of Ontario, Alberta, and BC insurance regulations, policy terms, and coverage structures.
  • Fast, clear communication — no jargon, no delays, no runaround.
Family protected by life insurance Family planning their coverage
Shaun Veness
Shaun Veness
Life Insurance Broker · Ontario · Alberta · BC

Shaun has dedicated his career to helping Canadian families and business owners secure the right insurance protection. With access to a wide network of leading carriers, he builds coverage strategies that fit your life — not a product quota.

Whether you’re protecting a growing family, insuring a business partner, or structuring a policy to offset estate taxes, Shaun brings the same precision and care to every file.

LLQP Licensed Ontario Alberta British Columbia Life Insurance A&S Insurance Independent Broker
Coverage Solutions

Protection for every stage of life.

Talk to Shaun →
Life Insurance

Term, whole life, or universal life — tailored to your income replacement needs, mortgage balance, and long-term legacy goals. Right carrier, right rate.

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Critical Illness Insurance

A tax-free lump-sum benefit upon diagnosis of a covered condition — cancer, heart attack, stroke, and more. Financial breathing room to focus on recovery.

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Disability Insurance

Your income is your most valuable asset. Disability coverage replaces a portion of your earnings if illness or injury prevents you from working.

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Business Protection

Key person insurance, buy-sell agreement funding, and corporate-owned life insurance — keeping your business and partners protected.

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Estate Protection

Life insurance structured to offset terminal tax, equalize inheritance, or fund estate liabilities — ensuring your legacy passes to your family as intended.

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Policy Review

Already have coverage? Shaun will audit your existing policies for gaps, redundancies, and missed opportunities — no obligation, just clarity.

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Estimate Your Coverage

Smart tools for informed decisions.

These calculators use the same factors Shaun considers when building a real coverage recommendation. The results are illustrative — Shaun will build your precise plan.

Policy Details
Age 38
1 — Outstanding Debts
Mortgage Balance $550,000
Vehicle Loans $35,000
Other Debt (LOC, Personal Loans) $15,000
2 — Future Expenses
Annual Income to Replace $95,000
Years of Income Replacement 10 yrs
Number of Children 2
Post-Secondary Cost per Child $80,000
Rent Fund (if renting) — Monthly $0
Rent Fund — Years 0 yrs
Final Expenses (funeral, estate costs) $25,000
3 — Terminal Tax Return
RRSP / RRIF Value $200,000
Marginal Tax Rate (surviving spouse) 43%
Non-Registered Assets (FMV) $150,000
Adjusted Cost Base (ACB) $80,000
4 — Other Considerations
Select all that apply to your situation
Recommended Death Benefit
$1,580,000
Estimated total coverage need across all four categories
Coverage Need Index32%
Est. Monthly Premium —
1 — Total Debt —
2 — Future Expenses —
 Income Replacement —
 Education Costs —
 Rent Fund —
 Final Expenses —
3 — Terminal Tax —
4 — Other Considerations —

Premium estimates are illustrative only and do not constitute an insurance offer or quotation. Actual premiums depend on health, underwriting, and carrier. Terminal tax calculations are simplified — consult a tax professional for estate planning. Capital gains inclusion rate assumed at 50%.

Your Details
Age 35
Monthly Gross Income $7,000
Recommended Monthly Benefit
$4,690/mo
Approx. 60–70% of gross income, offset by group coverage
Income Replacement Ratio67%
Estimated Monthly Premium—
Annual Benefit Value—
Elimination Period90 days
Max Benefit PeriodTo Age 65

Disability premiums are highly sensitive to occupation class and health history. Illustrative only — not an insurance offer or quotation.

Your Details
Age 40
Annual Income $90,000
Recovery Buffer (months) 12 mo
Recommended CI Coverage
$225,000
Tax-free lump sum upon diagnosis of a covered condition
Need Coverage Index45%
Estimated Monthly Premium—
Income Replacement Buffer—
Medical & Recovery Costs—
Conditions Covered25

CI premiums depend on age, health, and smoker status. Return-of-premium policies refund premiums if no claim is made. Illustrative only — not an insurance offer or quotation.

How It Works

Simple, clear, no pressure.

Four steps from first conversation to confirmed coverage — clean, fast, and built around your time.

01
Discovery Call

A 20–30 minute conversation about your situation, your dependants, and your coverage gaps. No sales pitch — just the right questions.

02
Needs Analysis

Shaun assesses your debts, income, dependants, registered assets, and estate picture to determine the right type and amount of coverage.

03
Carrier Comparison

Access to 25+ Canadian carriers means you get the best combination of coverage, terms, and premium — not whatever one company offers.

04
Placement & Service

Shaun manages the application, coordinates underwriting, and stays with you for annual reviews as your life and coverage needs evolve.

Client Experiences

What clients actually say.

★★★★★

I came in thinking insurance was just a checkbox. Shaun made me understand exactly what I was buying and why. Best decision I’ve made for my family’s protection.

David L.
Business Owner
★★★★★

The policy review alone saved us thousands. We were over-insured in some areas and completely exposed in others. Shaun sorted it all out in one meeting.

Sophie P.
Salon Owner
★★★★★

What sets Shaun apart is that he actually follows up. A year after my policy was placed, he called to review it. That kind of service is genuinely rare.

Emily A.
Accountant
Get in Touch

Ready to get the right coverage in place?

Schedule a no-obligation consultation with Shaun. Whether you’re starting from scratch or reviewing existing coverage, the conversation costs nothing — the clarity is invaluable.

✉
Emailshaun.veness@shaunveness.ca
☎
Phone1 (403) 807-2972
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Licensed InOntario · Alberta · British Columbia · Virtual appointments available
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Response TimeWithin 1 business day

Your information is private and never shared. Submitting this form does not bind you to any insurance policy or obligation.