Insurance and Financial Advisor FAQs in Grande Prairie

There is no upfront planning fee. Jennifer Chambers is paid by commission on the products you actually put in place. The first meeting is about an hour and free, so you can see if the fit is right before anything is sold.

The first meeting takes about an hour. After that it depends on what you need. Some coverage can be set up quickly, while applications that need medical information take longer because the insurance company has to review them. Jennifer Chambers will tell you what to expect before you apply.

Buying online is easy until a claim, a health history or an estate gets complicated. A person compares several insurance companies for you, explains the trade-offs and keeps your plan and policies lined up. She's also the one you call when life changes or you need to make a claim.

You talk about your goals, family, work, debts and any coverage you already have. Jennifer Chambers listens first, then explains what she sees and the first step she'd take. You don't need to prepare much, and you won't be asked to sign anything. See how a financial needs analysis works.

No. She's based in Grande Prairie and works with people across the Peace Country and Alberta. Online meetings make distance less of an issue.

Often, yes. Insurance companies look at health histories differently, so one company's no can be another's yes, sometimes at a higher price or with an exclusion. Jennifer Chambers works with several insurers, including some that take hard-to-insure cases, and can look for the best fit. More on life insurance options.

A will says who gets what from your estate. Life insurance creates money, usually paid straight to the person you name, outside your estate. They work together: insurance can cover debts and bills so your will can do what you intended. Jennifer Chambers doesn't write wills, so for that you'll need a lawyer.

Term covers you for a set number of years and costs less to start. Permanent coverage, like whole life, lasts your whole life and can build cash value. Many families use a mix.

Contact Jennifer Chambers first. She'll help you find the right forms and walk you through what the insurance company needs, so you're not doing it alone at a hard time.

Yes, that's her specialty. Jennifer Chambers works with small and micro businesses with 1 to 10 employees, from a first benefits plan or Health Spending Account to key person coverage.

In many cases, yes. Corporate-owned life, disability and critical illness coverage is common for business owners, and it changes who pays and who receives the money. Talk it through with Jennifer Chambers and your accountant before deciding.

Segregated funds come with guarantees on a set portion of your deposits, usually 75% to 100%, at maturity or when you die. The value can still move up and down in between. More on segregated funds and savings.

No. Jennifer Chambers focuses on insured savings and investments. If you'd like some higher-risk investing, she can refer you to partners she has already vetted.