Protect your future with confidence.
Get a free life insurance review with a local advisor based in Harriston and serving families across Perth, Minto, Wellington, Mapleton, Howick, Listowel and the surrounding area.
Advice first. You decide if and when to move forward.
- Licensed Ontario Advisor
- Independent Insurance Broker
- Serving Perth & Wellington Counties
- Multiple Insurers Compared
Why families & business owners choose Evan
Life insurance shouldn't be confusing. Evan breaks it down in plain language and builds a plan that fits your goals and budget.
Protect your family
Peace of mind that the people who depend on you are looked after.
Replace lost income
Keep your family's lifestyle intact if the unexpected happens.
Cover debts & mortgage
Make sure the house stays in the family — not the bank's.
Local, professional advice
Independent guidance from an advisor who lives where you live.
Built for the people we live and work beside.
Most of our clients fall into one of two camps. See which one sounds like you.
New mortgage. Kids at home. One income that holds it all together.
If something happened to you tomorrow, would your family keep the house, the daycare spot, and the lifestyle you've built? Term coverage starts at about the cost of a coffee a day.
- Replace 10–15 years of income
- Pay off the mortgage in full
- Fund kids' education & childcare
Your business is your family's biggest asset — and biggest risk.
Equipment loans, partner buy-outs, succession planning, and a farm or shop that can't run itself. We build coverage that protects the operation and the people who depend on it.
- Key-person & buy-sell coverage
- Cover business debt & equipment loans
- Tax-efficient farm succession
Coverage built around your life.
Every family and business is different. Evan works with multiple top-rated insurers to find the right mix of coverage — not a one-size-fits-all policy.
Term Life Insurance
Affordable coverage for a set period — ideal for young families, new mortgages, or anyone who wants the most protection per dollar.
- 10, 20 & 30 year terms
- Convertible to permanent
- Coverage from $100K to $5M+
Permanent & Whole Life
Lifetime protection with built-in cash value. Great for estate planning, final expenses, and leaving a tax-efficient legacy.
- Guaranteed for life
- Builds cash value
- Estate & tax planning
Critical Illness Insurance
A tax-free lump sum if you're diagnosed with cancer, heart attack, stroke, or other covered conditions — so you can focus on recovery, not bills.
- Tax-free lump sum payout
- 25+ covered conditions
- Use the money however you need
Disability Income Protection
Replace your income if illness or injury keeps you from working. The single most overlooked policy for self-employed Canadians.
- Monthly income replacement
- Own-occupation definitions
- Coverage for self-employed
Final Expense Coverage
Cover funeral costs, outstanding bills, and the tax bill the CRA sends after a death — so your family isn't writing cheques during the hardest week of their lives.
- Funeral & burial costs ($10K–$20K+)
- Final tax bill & probate fees
- Outstanding debts & credit cards
Legacy & Inheritance Protection
Pass on your investments, farm, cottage, or family home tax-efficiently. The right policy can offset capital gains and keep properties in the family instead of being sold to pay the CRA.
- Offset capital gains on property
- Equalize inheritance between children
- Tax-free wealth transfer to heirs
The cost of waiting is bigger than you think.
Life insurance isn't about predicting the worst it's about making sure the people you love have options if it ever happens.
Canadians have no life insurance
And many more are underinsured. If your family relies on your income, even a basic plan can prevent a financial crisis on top of a personal one.
Of mortgages outlive their owner's plan
Bank mortgage insurance pays the bank not your family. Personal life insurance gives your loved ones the choice of what to do.
Premiums get more expensive
Life insurance is priced by age and health. Locking in coverage today is almost always cheaper than waiting even by a year or two.
Is all it takes to start
A quick conversation tells us exactly what you need (and don't need). No pressure, no jargon, and no obligation to move forward.
Get a no-pressure quote in 24 hours.
Local advice from Evan. He'll do the legwork.
Evan Hoffele
Financial Advisor · Harriston, Ontario
I'm Evan, a dedicated financial advisor committed to helping individuals, families, and business owners protect what matters most. Growing up and working in a close-knit rural community has taught me the importance of trust, honesty, and building lasting relationships.
I take pride in providing straightforward advice and helping clients understand their options without pressure or confusion. Whether you're looking to protect your family, cover debt, or plan for your future estate needs, I'm here to guide you through the process with confidence and clarity. My goal is to make life insurance simple and ensure you have a holistic plan that fits your unique needs.
Three simple steps to peace of mind.
Book your free review
Fill out the short form and we'll reach out within 24 hours to find a time that works.
Talk it through
Virtual or in person at our Harriston office — whichever you prefer. We listen first, then explain your options in plain language.
Get a plan that fits
We shop the market across multiple insurers and recommend the right coverage for your goals and budget.
Evan compares top Canadian insurers — not just one.
Based in Harriston, Ontario — fully licensed and serving the surrounding area.
Advice first. You decide if and when to move forward.
Good questions. Honest answers.
How much does life insurance actually cost?+
Most healthy adults are surprised — a 30-year-old non-smoker can often get $500,000 of term coverage for less than the price of a coffee a day. We'll show you real numbers in your free review.
I already have coverage through work. Isn't that enough?+
Group coverage is a great start, but it usually ends when your job does and rarely covers more than 1–2x your salary. A personal policy follows you for life and locks in today's rates.
Do I have to meet in person?+
Not at all. We meet many clients virtually across Perth and Wellington Counties. If you'd rather meet face to face, our Harriston office is open by appointment.
Will I be pressured to buy?+
Never. Our job is to give you clear information so you can make the right call for your family. If insurance isn't the right fit right now, we'll tell you that too.
Why choose me.
Choosing life insurance is an important decision, and I believe it should come with personalized advice and exceptional service every step of the way. I take the time to understand your goals, financial situation, and concerns before recommending solutions tailored to your unique needs.
As an independent advisor, I focus on finding the right coverage for you rather than offering a one-size-fits-all approach. My commitment doesn't end once your policy is in place. I provide ongoing support, regular reviews, and guidance as your life and priorities change over time. When you work with me, you gain a long-term advisor dedicated to helping protect your family, your future, and your financial well-being for years to come.
Advice that grows with you.
- Personal recommendations
- Independent insurer comparisons
- No-pressure conversations
- Ongoing reviews and support
Your free insurance review.
Tell us a little about yourself and we'll be in touch within 24 hours to schedule a no-pressure conversation, virtual or in person, whichever works best for you.
- Complimentary — no cost, no obligation
- Independent advice across multiple insurers
- A local advisor who answers the phone