6 Reasons You Need To Buy Life Insurance

6 Reasons You Need To Buy Life Insurance Alberta


Here are 6 reasons I always share with clients why they need to buy life insurance.

Did you know that life insurance pays out tax-free to your beneficiaries usually within 30-60 days upon claim? Did I mention tax-free money to your estate?

1. To Pay Final Expenses

In my opinion, everyone needs to have a small permanent life insurance policy to cover off final expenses.  These expenses can run from $5,000 to $25,000 or more. Besides burial or cremation costs, there are also final tax returns and legal obligations or probate or tax owing that are required to close your estate. Here’s the thing, don’t be a burden to your family or friends – consider having a small paid up whole life or universal life or Term100 that will pay out tax free to your chosen beneficiaries to help ease the immediate burden of final expenses.

2. To Cover Children’s Expenses

If you have children under age 18, I firmly believe it is your responsibility to help provide for those children if you were to pass away prematurely. This is something I’m very passionate about because it’s so inexpensive for people of child-rearing ages to afford a decent sized life insurance policy of even $500,000 to $1,000,000 at minimum. Everyone knows a million dollars doesn’t go far these days, not to mention if you want to help contribute to your child’s secondary education costs, then you will really need to take a good hard look at getting the proper amount of life insurance.

3. To Replace Your Partner’s Income

If you depend on your partners income to run your lifestyle and housing costs, then this is a no brainer, obviously if you didn’t have insurance and your partner passes away you may be forced to radically change your lifestyle. The question becomes, is this something you are willing to do during the hardest days of your life? Any amount of life insurance will help ease this burden so you aren’t forced into making rash decisions at inopportune times.

4. To Pay Off Debts

Like I said about the insurance for your children, I also will say that it is your responsibility to cover your debts in the event of your passing. You were the one who made the decision to take on the debt in the first place, don’t you think that you should also not leave that debt to your loved ones to deal with your messes? Time to ADULT now and make sure you have proper coverage to handle all your debts, from mortgage to credit cards to car loans to business agreements.

5. To Cover Business Expenses

Buying life insurance to cover Key Employees or to fund a buy/sell agreement or just to cover outstanding debts in the business, it is so important to look at life insurance for your business. Make sure to talk to a CFP to make sure all the angles of your business are covered.

6. To Pay Off Estate Taxes

Although Canada doesn’t have estate taxes per se, they do have probate fees and final taxes on deemed dispositions of assets on the date of your death. This can be a massive blow to your estate. For example, a million dollars in RRSPs would be worth $600,000 or less after all the taxes are paid on your final tax return. That’s a huge win for the government and a huge loss for your family. This is where permanent insurance is important, such as whole life or universal life or Term100. Probate fees are minimal in some provinces, but in other provinces can be very costly.

Okay, now ask yourself if you have enough or you have enough on your partner.

Let me ask you this, in your darkest of days – losing your best friend, lover, partner – do you want to be financially stressed on top of your loss? OR, on that note, if he’s a schmuck who owes you money and never pays up on time, wouldn’t it be better to have a policy in place to make sure you get what is contractually yours in the case he dies and leaves you high and dry raising kids… just more food for thought… cause you will curse his name for getting off scot-free one last time! 🙂

Either way, I’m happy to get you a quote or put you in touch with someone in your jurisdiction who can help you get some proper risk management and life insurance in place! Don’t wait… I will write another blog on the people who came to me and said they wished they had put some life insurance in place before their partner passed unexpectedly.

Grim, I know. Real Life – Yes, unfortunately.

Bottom Line: You’re still gonna need money, honey.

xx Lisa



Acting ‘AS IF’

Ladies, listen up!

I want you to know this.

You get to have your cake and eat it too.

You get to choose the belief that life gets better and better in all the areas.

You get to bring your dream life to reality today.

You get to choose to act ‘as is’ and fully embody what it is you want to create in this life.

I literally live my dream life full of all the wonderful things and full of support. All because I chose it and made it happen – it took time, but it’s been a journey well worth it. I never really did believe that I couldn’t have it ALL! I always just knew that I would have it ALL and that life just keeps getting better every day.

Are there things I’m still working on? YES! But they will keep adding to the beautiful life I’ve already created for myself.

If there is something you want, act as though it’s yours!

And that means:

💫 How does it feel to have the thing you want? {Feel that feeling now!}
💫 How would you be acting right now if you had the thing? What would you be doing? {Do that now, Act that way now!}
💫 How would you be thinking if you had the thing? {Think that way now! Fill your thoughts with gratitude for the thing your heart desires!}

This is the money secret. This is the body secret. This is the love secret. This is the business secret. This is the secret to changing your point of attraction.

Act ‘AS IF’.

You make your plans. You absolutely don’t hold any expectations. You release.

Expectations are the KILLER of you stepping into your dream life. Whatever that looks like for you.

This is hard to do by the way. Every time I have expectations on money, business, humans and expecting them to act a certain way – that’s when you get let down.

You never get let down when you hold no expectations.

And what does that do for you? It keeps your point of attraction oscillating at the right frequency to bring in what you desire.

No timeline. Time is an expectation.

You must release the timeline.

You have to play. You have to keep things light and fun. 👈 (This I’m bad at but getting better!)

That’s how it’s done baby!

That’s how you..

Live Your Legacy!

xx Lisa

PS. You also get to choose to be sexy AF and make no apologies about it. 😉

PPS. You also get to choose to be a WEALTHY WOMAN! If you want to get started, click here!


What does your HEART have to do with your MONEY?

There is always one thing you will end up having to answer to in your life.

One thing that will demand your full attention at some point.

  • You will get ill if you don’t answer it.
  • You will gain weight if you ignore it. (Yup!)
  • You will feel financially burdened if you push it aside.
  • You will struggle in all areas of your life if you decline its call.

Your heart. ♥️

That is what you must listen to. Its call is strong and powerful. Its echo vibes through your entire core and energy field.

Set your heart free to wildly beat and watch your dreams unfold before your eyes.

You will attract to you all that your heart desires.

But you must FREE it first. (And that is scary because that means putting yourself out there vulnerably!!!)

This is one recollection of that ✨MAGIC✨ that happened for me when I ventured out to NYC on my own, 2013 and set my heart free to be as wild as it could be.

👉I got to dance and sing in Times Square alone. There were no people in Times Square… it was a rare and precious moment. I had a Blackberry and selfies weren’t a feature on phone yet so you had to flip your phone around and hope for the best!
👉I got to have my Holly Golightly Breakfast at Tiffany’s and cross off the one thing on my bucket list.
👉 I met a lovely soul from Bangladesh on the Bow Bridge in Central Park and we exchanged moments of heart felt songs that changed our lives. (I shared with him ‘Emmanuel’ by Chris Botti and he shared with me a Gershwin Song. Truly, loving humans are all around if you are open for them and wanting to connect with you💛)
👉I got to stay in one of the original hotels in NYC and my first night there I crawled out of my hotel room up onto the shady fire escape and screamed at the top of my lungs, “HELLO NEW YORK!”

Subsequent trips to New York after this also included me launching my company over 6 years ago from a Midtown diner and singing Karaoke Nancy Sinatra in Times Square amongst many other shenanigans and stories I’m sure I will tell you over a coffee one day…. or in my next book. 😉

But here’s the thing about your heart♥️ –

It was never meant to be ignored.
It was meant to be FREE to LOVE & LIVE WILDLY! 💫

Live Your Legacy!

xx Lisa

PS. If you are FINALLY ready to answer your hearts desire to be a WEALTHY WOMAN – click here! {}


Collapsing Time Frames

This is actually a skill.

A skill requires thought and effort and is training to do a particular task.

Collapsing time frames is exactly that.

Getting to your desired goal faster.

Why is this important?!

Because you can create BIGGER results in your life.

So what’s one way to do this.

Be BOLD. Go after exactly what you want. (Note: this actually requires you to know what you want. Most people haven’t figured this out yet!)

Don’t pussy foot around.

Be specific. Very specific

And then…

Have the hard conversations. Have the hard conversations. Enrolment conversations.

Just do the thing that brings you the most fear.

Do the thing.

The only way you will ever create what you want in your life is to go after the BIG goal.

The BIG one.

Not the small baby ones.

Go after the BIG goals.

I have one, I’m working on it.

I have zero clue how it’s going to turn out.

But I’ll keep you posted.  Oh, and the point here is always this.


Release the expected outcome.

You have to be suspended in the air for a few minutes of sheer panic and fear and be okay with it.

That’s the only way you will step into the bigger life that you can only dream of.

The only way is to commit and let go of the rung and fly through the air.

I talk about this all the time. You need to commit to letting go as equally as you commit to grabbing on to the next big thing in your life.

I’ve done this in many areas of my life. It’s always scary.

There is always fear.

But here’s the deal: there much less BS in your life when you are direct and go after exactly what you want.

Much less.

And when there is less BS, there is less resistance

Less resistance means you’ve cleared the energetic path to actually manifest the big things you want in life.

And once you manifest the big things, you can go onto the next and hence, you can collapse time frames in your life.

Again why?

Because you have a BIG life to live!

You weren’t here to play small. 

So don’t.

Do the hard work.

Collapse time frames and…

Live Your Legacy!

xx Lisa

PS. If you are wanting to collapse your financial time frames and reach your money goals faster, then you need to START HERE! {}




Wisdom is from within. It is not from outside or something to attain or something even to ‘try’ for.

All the wisdom you will ever seek is already available to you when you connect to the perfect loving source.

You don’t have to be 80 or 60 or 40 to have wisdom. Wisdom is available to all.

It is not external to you or some wise words said by any prophet. Those are called revelations as they ‘reveal’ to you what your soul has already known but forgot.

Your soul is timeless and wise because it is what connects you to your unlimited perfect divine source of love, but you have to ask for that wisdom and receive it.

Wisdom is trusting that everything is happening for your highest good. EVERYTHING. The good, the bad, the ugly.

Trusting that the universe has you in the exact perfect place – that’s wisdom. Trusting.

Wisdom is putting your trust in things unseen, also called faith.

Wisdom is knowing that you are 100% responsible for your thoughts.

Never forget that your:
👇 create your
👇 drive your
👇 produce your

In ALL the things.

Wisdom is being able to identify your circumstances as facts without the added story your brain defaults to and then powerfully choosing the thoughts that will serve you and the world in love. {Byron Katie – “Is this true? Where would I be without that thought?”}

Wisdom is knowing you can choose the thoughts that will literally transform your life to be the life of your dreams full of peace, joy and love.

Wisdom is also knowing that you are never responsible for anyone’s feelings (this is still hard for me who wants to make sure everyone is happy and not disappoint anyone! Still. Even after a decade of working on this exact thing!)

Wisdom is also knowing that you get to hold yourself to a higher standard than those around you and you don’t have to be anyone but yourself.

Wisdom is knowing it’s not your job to make anyone else happy. That is their job. Wisdom is knowing that it’s your job to make you happy and in return you will bring more light, life and love to the world.

Wisdom is holding yourself in the highest esteem and acting in integrity with your word to yourself and then naturally having that overflow into the world.

Wisdom is knowing it all starts with you and not with your neighbour.

Wisdom is holding strong but loving boundaries that serve you.

Wisdom is knowing the more you choose love and forgiveness and a servants heart the better the world will be.

Wisdom is knowing that LOVE is a win-win-win every time. If it’s not a win-win-win, then technically it’s not out of love.

True love shifts the world.
Transforms it.

LOVE wins every time because it is perfect in all its ways… that is what wisdom knows.

Live Your Legacy!

xx Lisa

PS. Time to tune into your FINANCIAL WISDOM within –> GET STARTED HERE! {}



It’s about trust.

It’s about trusting your gut.

It’s about trusting your instinct.

It’s about trusting your intuition.





This means: YOU ARE THE ONLY ONE WHO NEEDS TO APPROVE AND TRUST AND BE IN LOVE WITH YOUR IDEAS for your business, for your body, for your life, for your money, for your investments, for your relationships, for your education, for your travels, for your home.

And trust me when I say this is HARD because the world will still throw out their opinions on your life, even when you have not requested they do so.

It’s so difficult not to be swayed by the opinions of others.

Are you trusting yourself or relying on others for their opinions about your life or your choices?

You get to fall in love with your choices. You get to go through the journey of the beautiful consequences of your choices. You get to live your FULL life in the way you desire.

And that is how you serve others from a place of being FULL of abundance in all the things: money, love, happiness.

And then you able to give even more back to the world with your abundant life.

👆 That’s how this works. 👆

But this all starts from a place of TRUSTING yourself and having your own back and truly tuning into what your life is meant to look like.

This also means you can change your mind, you don’t have to stick with one thing.

You are allowed to course-correct.

Trusting means choosing and then trusting your choices.

But first you must make a decision and choose what it is you want from life.

Life will serve you up exactly what you order, you just needed to make the order first.

So many people haven’t ordered what it is they want out of life, and they get just that.

Decide and Trust.

Know there is no wrong choice and every moment and choice and decision is brining you closer to everything you ever wanted and is an important part of your story.

That’s what deep trust is.

That is how you..

Live Your Legacy!

xx Lisa

PS. You also get to TRUST that you were meant to be a WEALTHY WOMAN! If you want to get started, click here!


When Things Go Wrong

When Things Go Wrong

What happens with things go bad?

There are things in your life that will go horribly wrong.

When you are sitting in the muck of it all, I know offering solace to saying things like, ‘this is for my highest good’ is NOT helpful.

I know this, you know this.

You have to sit in your grief, your loss, your heart-break, the fact that things didn’t go as expected.

I write this actually about investments.

I have had hundreds of clients come to me over the years to tell me about their heart-break.

Okay, so yes, I’ve handled many divorces and financial break-ups, but this is not the heart-break I’m talking about.

It’s when your investment goes sour.

So many people have taken on BIG RISKS in their past, investments that didn’t work out.

This happens.

I can speak to this.


This has happened to me too.

28-year-old me.

Half-a-million dollar investment.


And ya, it’s taken me YEARS of processing and working through it.

And I’m still working through it because I’m still paying for it every month, for at least the next handful of years.

It is heart-breaking to lose large sums of money to any investment that goes south.

The truth is this.

You do have to get to a place where you deeply do hold the belief that this is all happening for my highest good.

And then make resolve that you are going to take these lemons and utilize them to make you bigger and better.

When it comes to investing, heck, when it comes to anything in life, if you aren’t experiencing heart-break at somepoint then you aren’t trying hard enough.

I say kudos to the dreamers who put everything on the line to go after their dreams.

Don’t look down on those people because luck plays a big part of this.

Half will make it.

Half won’t make it.

I don’t even know at the end of the day which camp I’ll be in, and truly, does it matter?

Isn’t it worth trying for something big and amazing then just playing life small?

I’m not saying playing small is a bad thing. It’s good to be cautious. That’s what I teach my clients.

However, there is a time and place when you need to go ALL IN energetically, mentally, financially, phsyically.

That is the moment when you committ that the universe has your back.


That’s the mantra.

You go for it.

You don’t look back, and above all you don’t hold onto how the ending looks.

You release the outcome.

You have no choice in the outcome.

You become stronger through this process.

You do it all over again.

Sometimes you will have a win. Many times you won’t.

Enjoy the process.

Grieve when you lose and celebrate the wins.

You have to firmly adopt the belief that everything happening to you is for your highest good, and it will be so.

You will always win when you can find the beauty in your disasters and when things go wrong in your life.

That’s how you…

Live Your Legacy!

xx Lisa

PS. If you want to move forward with your past financial msitakes and create a new plan, you need to book a Financial Clarity Call at