What we will actually do together
Most websites in my industry list everything they sell. Mine lists what we will actually do, in what order, and what each step is for.
Step 1: The 15-Minute Clarity Call
This is where every conversation starts. A 15-minute video call. No charge. No pressure. No paperwork.
In those 15 minutes, three things happen:
1. You tell me what is going on with your household financially. Plain language. No spreadsheets required.
2. I help you figure out whether running the full numbers together would actually be useful for you right now. Sometimes the answer is no. I tell you that and we end there.
3. We decide together whether to book a longer education-only session as the next step.
Most people leave the call with a clearer head than they came in with. That is the only goal.
Step 2: The Education Session
This is a longer session, usually 60 to 90 minutes. It is education-only by design. No products are discussed. No applications. No paperwork.
In this session, we run your full household financial picture through a structured review. Income. Fixed obligations. Savings. Existing coverage. Net worth.
By the end, you will know exactly how many months your household can sustain its current lifestyle on one income. You will see your actual income coverage gap in dollars. And you will understand what it would actually take to close that gap.
That is it. No recommendations. No pitch. Just your real numbers, visible for the first time.
Most people walk out of this session with a completely different understanding of where they actually stand.
Step 3: The Protection Review
This step only happens if you want it. Only if the Education Session made it clear that protection action is the logical next step for your family.
In this session, we design actual coverage options around your specific household. Not a generic quote. A structure built for your income, your obligations, and the gap we identified together.
I present two complete options. You take as long as you need to think. Most clients take weeks. That is completely normal and expected.
My job in this step is to make the options clear, not to create urgency. You make the call.
The first step takes only 15 minutes
Luisito "Owie" De Guia · Life Insurance Agent · De Guia Finance · Greatway Financial Inc. · FSRA License No. 24224230 · Ontario, Canada
De Guia Finance is a trade name of Luisito De Guia. Insurance products are provided through Greatway Financial Inc.
This communication is for educational purposes only and does not constitute financial, investment, legal, or tax advice.
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