Available in Alberta & British Columbia. Based in Calgary
Fix the default choice.
Compare bank mortgage insurance vs coverage you own
—in 15 minutes.
• Beneficiary choice • Fixed coverage • Portable
HOW IT WORKS
A simple 4-step path to the right coverage
A quick review to compare options and choose what fits your mortgage + your budget.
Book a 15-minute review
Answer a few questions so we can match you with the right options.
Compare in plain English
See the difference between bank mortgage coverage and personal coverage (plus term/disability/critical illness if needed).
Apply only if it fits
No pressure. If you decide to move forward, we’ll guide the application and next steps.
Set up + check-ins
We help you put coverage in place (subject to underwriting) and revisit as life changes.
Bank coverage vs owned coverage
A quick check clarifies what you control — before you accept the default.
BEFORE
Lender mortgage insurance
Bank is the beneficiary
Coverage can decline over time
Policy tied to lender/term
AFTER
Coverage
you
own
Your chosen beneficiary
Level benefit options
You control the policy
A review helps you compare how options are structured.
Make sure your mortgage protection
actually protects your family
Make sure your mortgage protection actually protects your family
Declining vs level matters.
Know what your coverage does over time — not just what it costs today.
Some coverage declines while payments don’t. A review clarifies it.
Free Home Protection Review
Get clarity in 15 minutes.
Options that fit your budget — explained in plain English.
Quick comparison: bank vs owned structure
Clear summary of what changes over time
Next steps if you want a quote (optional)
No pressure. Rates vary.
Simple protection with smart planning for your future
How the free review works
Pick a time
(Phone or Zoom)
15-minute review
(compare options)
You decide
(get a summary + next steps)
No obligation. Just clear answers before you decide.
Talk to a real advisor
Caden Sawatzky — Insurance & Investment Advisor
Local, straightforward, and no pressure.
✅ Helps protect wealth + plan for long-term financial freedom
✅ We keep it simple and practical
✅ You’ll leave with clarity and options
Also available: Children’s Whole Life • Travel Insurance • Business (Key Person / Benefits)
TRUST & RESULTS
Hundreds of Canadians reviewed our process.
“Had a policy with a big insurer and Caden thanks to his diligent work he was able to save me and my wife $40/ month on our policies combined and now have better coverage”
“I am so grateful to you for all that you have done to help me get into my new home. I can’t believe all that you have done for me. Thank you for pulling so many strings and for just caring about me to the point of putting in extra hours.”
“Caden, I’m writing you to thank you for sending all our documents very quickly and for getting us a mortgage at an incredibly low interest rate. It was a pleasure to deal with you. You were extremely knowledgeable in the whole real estate transaction. Thank you for your job.”
STILL NOT SURE?
Frequently Asked Questions.
What is this review?
A short call to compare how mortgage insurance vs owned coverage is structured, and what options could fit your goals.
Is this a sales call?
No pressure. The goal is clarity first. If you want next steps, we’ll outline them.
Do I need paperwork?
Not for the review. If you choose to proceed later, we’ll tell you exactly what’s needed.
What affects pricing?
Eligibility and needs vary. The review helps you understand which factors matter and what options exist.
Can I do this if I’m in Alberta or BC?
Yes — Alberta & British Columbia only.