Life Insurance
Term, whole, and universal life - matched to your family's actual needs and budget, never a sales target.
- Income replacement protection
- Mortgage coverage
- Children & education planning
I'm Deepika Sharma - a financial consultant who listens before recommending, explains before selling, and stays with you long after the paperwork is signed. Serving clients across Canada and the USA through Experior Financial Group.
Whether you're just starting out, raising a family, running a business, or building something bigger - the financial system can feel like it was designed for someone else. That ends here.
RRSP, TFSA, 401(k), term vs. whole, key-person insurance - the acronyms pile up. I translate all of it into plain language so you actually understand what you're choosing.
If something happened tomorrow, would your family land on their feet? Would your business survive without its key people? If those answers make you uneasy, you're not alone - and we can fix that.
Money sitting in a chequing account isn't a plan. Together we build something deliberate - tax-aware, timeline-matched, built around what you actually want.
Banks push products. Quota-driven reps push bigger products. I'm independent - my only job is finding what's genuinely right for you, your family, or your business.
Every plan is custom-built - but most clients fall into one of three groups. Choose yours below to see what we can build together.
You're earning well. Maybe you've got a TFSA or 401(k) you don't fully understand. You feel a little behind, a little unsure, and tired of generic advice that doesn't fit your life. Let's build something that does.
Most clients in this group are 25–45, earning $60K–$150K, and finally ready to stop guessing.
You've built something worth protecting - a home, a marriage, kids, dreams. But the right protection plan, the right education funding, the right estate setup - none of it has been clearly explained. Until now.
We start with what scares you most about your family's future - and we systematically remove that fear.
Whether you're running a 3-person consultancy or a 50-person company, your business needs the same financial discipline as your family. Group benefits, key-person protection, succession planning, and corporate-owned strategies - done right.
I work hand-in-hand with your CPA, lawyer, and HR team to make sure every piece fits together.
Banks aren't bad. They're just structurally limited. Here's what changes when your consultant works for you, not for product quotas.
A free 30-minute call. No forms, no obligations. Just an honest conversation about where you are and where you want to go.
I review your current picture - coverage, savings, goals, gaps. Most clients are surprised by how much a clear view changes everything.
We build a personalised roadmap together - not a one-size-fits-all product, but a strategy shaped around your life or business.
Your plan goes live. I stay beside you as life and business evolve - adjusting, optimising, never leaving you to figure it out alone.
Every plan is custom - but most clients need help with one or more of these. Start where you are. We'll figure out the rest together.
Term, whole, and universal life - matched to your family's actual needs and budget, never a sales target.
RRSPs, TFSAs, 401(k)s, IRAs, pensions - coordinated so your future self gets to rest.
Segregated funds and managed portfolios that match your timeline, risk tolerance, and goals.
Group benefits, key-person protection, buy-sell funding, succession, and full estate planning - built so what you've created actually transfers cleanly.
Guidance on structure, protection, and financial scaffolding for new entrepreneurs.
A calm, prioritised payoff strategy so you can stop treading water and start building momentum.
Complete Canadian financial onboarding - credit, banking, insurance, investments - from day one.
One-on-one education and accountability - built for the way you actually live and work.
I actively collaborate with CPAs, lawyers, HR teams, and community organisations across Canada and the USA. If our clients overlap, we should talk.
Your clients ask you about insurance and retirement strategy. I become the specialist you trust to refer to - your clients stay yours, and I work as a seamless extension of your practice.
Start a Referral Conversation →Cultural associations, religious institutions, settlement agencies, women's groups - I run free financial literacy sessions tailored to your community. No pitches, just genuine education.
Schedule a Community Session →Run lunch-and-learns for your team. I cover topics employees actually want - first home, retirement, family protection - and your HR brand gets the win. No solicitation during sessions.
Plan a Team Session →Your wills and estate work pairs naturally with the funding side - life insurance, beneficiary structures, trust funding. Let's coordinate so clients get a complete plan, not fragments.
Discuss a Co-Referral →Your clients are buying their biggest asset. They need mortgage protection and insurance done right - but most don't realise it until closing day. Refer them early; I'll make you look great.
Build a Partnership →Settlement agencies, immigrant services, newcomer entrepreneur groups - I run orientation sessions on Canadian banking, credit, and insurance. Plain language, multilingual support available.
Partner on Newcomer Programs →Free workshops, community sessions, group classes, and keynotes - across the GTA, broader Canada, and the USA. Come learn. Or invite me to your community.
A 90-minute, no-pitch session covering Canadian banking, credit, insurance basics, first-home strategies, and tax-advantaged savings. Bring questions. Bring a neighbour. Leave with clarity.
I run free sessions for cultural associations, faith groups, employee networks, newcomer programs, women's circles, and entrepreneur meetups across Canada and the USA. If your community would benefit from honest financial education - let's plan something.
No email walls. No drip funnels. Honest, practical PDFs you can read in twenty minutes and actually use today.
Banking, credit, insurance, and your first investment account - explained in plain language.
Twelve things every business owner should have in place - most have only three.
A 10-question self-assessment that shows where you actually stand - and what to fix first.
Term vs. whole, what coverage you actually need, and the questions agents hope you don't ask.
Want all four bundled? Drop your email below and I'll send the full set - plus future resources, never spam.
Get the Full Resource Bundle →Short reads on the questions clients ask me most - published as I encounter them in real consultations. No fluff, no fearmongering, just clarity.
Most newcomers wait 2–3 years before their finances click into place. With the right setup, you can compress that to 90 days - and avoid the credit-score traps that cost newcomers an average of $4,200 in their first year.
Read the Full Guide →If your business depends on you (or one critical person), here's the math on what happens if that person is suddenly gone - and how to protect against it.
Read More →Both have a place. Both are oversold by someone, somewhere, right now. Here's the honest framework I use to help families decide which one (or which mix) actually fits.
Read More →Want these in your inbox? Get one short, useful read each month - never spam, never product pitches.
Subscribe to Insights →"I'd been putting off financial planning for years because every meeting felt like a sales pitch. Deepika was different from the first minute - she explained everything in language I understood, no pressure, no upsell. I finally have a plan for my family I actually believe in."
"She walked us through life insurance and RRSPs so patiently. For the first time, my husband and I feel like we understand our own money."
"I was quoted ridiculous numbers by a bank. Deepika found me coverage that actually fit my budget - with better terms. Wish I'd called her a year ago."
"Honest, clear, and genuinely caring. She treated my small portfolio like it mattered - because to me, it does. That's everything."
"Set up group benefits for my 14-person team and it was seamless. Deepika worked directly with our HR lead and our CPA. Zero stress."
"As an immigrant entrepreneur, I had no idea where to start. She helped me incorporate, set up protection, and build my first real plan. Game-changing."
"My wife and I are both Canadian but split time in the US for work. Deepika handled both sides of the border seamlessly. Truly rare."
I became a financial consultant because I watched too many people - people like my own family - navigate a system that wasn't built for them. No one explaining the rules. No one asking the right questions. No one in their corner.
My approach starts with listening, not selling. Real financial planning begins with understanding your story - not your credit score. The products come later. First, we figure out what you actually need.
I work with individuals, families, and business owners across Canada and the USA - and I actively partner with CPAs, lawyers, HR teams, and community organisations to spread genuine financial literacy. As a consultant affiliated with Experior Financial Group Inc., I'm not tied to any bank or quota. My only loyalty is to finding what's genuinely right for you.
Thirty minutes. No forms. No obligations. Just an honest conversation about your life, your goals, and the clearest next step forward - for individuals, families, or businesses across Canada and the USA.
Claim My Free Consultation →Share a few details and I'll personally reach out within 24 hours - to book a free 30-minute call, send you the resource you requested, or plan a community session. Whatever you need.
Still unsure? The call is always the best place to get specific answers - and it costs you nothing.