Your income built your life. Let’s make sure it’s structured to survive.
Strategic income protection for self-employed professionals and business owners earning $100k+ — designed to protect your earning power, reduce exposure, and explore premium structures that may return value later.
Private assessment · Strategy-first approach · Serving Alberta professionals
If your income stopped tomorrow, would your business and household remain stable?
Income-focused positioning
Professionals & owners
Core protection areas
Cost for your assessment
The strategic question
You’re already paying to protect your income. The question is whether you’re doing it efficiently.
If two protection structures offered similar income protection, but one could potentially return eligible premiums after a set period if you never claimed, which one would you want to understand first?
$0 Back If Unused
- Monthly premiums paid
- Protection only
- No recovery if unused
- Viewed as a sunk cost
Protection + Recovery Potential
- Monthly premiums paid
- Income protection included
- Eligible premiums may be returned
- Built with cash-flow awareness
Example scenario
A $400 monthly premium becomes a serious number over time.
For business owners and professionals, protection cannot just be about coverage. It has to be about structure, efficiency, and long-term value.
$400
Over 20 years
$96,000
With a traditional structure, that premium is usually gone if unused. With a return-of-premium structure, eligible premiums may be recoverable if conditions are met.
Return of premium depends on product terms, eligibility, policy conditions, and carrier rules.
How it works
The Income Protection Architecture
A strategy-first process for self-employed professionals and business owners who want clarity before committing to another policy or premium.
We review how your household, business, and obligations depend on your ability to keep earning.
Discovery
We examine gaps, overlap, inefficient premiums, and whether recoverable premium options may fit your situation.
Analysis
You receive clear options based on your income, obligations, family needs, and long-term premium efficiency.
Private Assessment
Who this is for
Built for professionals who depend on their income.
Best Fit
- Self-employed professionals
- Incorporated business owners
- Contractors and trades business owners
- Realtors, mortgage brokers, consultants
- Professionals earning $100k+
Not Ideal For
- People only looking for the cheapest option
- Short-term thinkers
- Anyone unwilling to review their current structure
- People with no stable income to protect
What I help structure
Protection built around income, continuity, and efficiency.
The goal is not to collect random policies. The goal is to build a protection structure that makes sense for your income, family, business, and cash flow.
About Jessil
A strategy-first approach to income protection.
I help self-employed professionals and business owners review how their income is protected, where their current structure may be exposed, and whether a more efficient protection strategy is available.
My focus is not to sell a policy for the sake of selling a policy. It is to help you understand what would happen if your income stopped — and whether your current protection is structured properly.
Licensed — Accident & Sickness, Alberta
Licensed — Critical Illness, Alberta
Focused on income protection strategy
Serving self-employed professionals and business owners
Virtual and in-person consultations available
Ready to find out?
Before you pay another premium, know whether it’s structured properly.
Book a private income protection assessment. We will review your income, obligations, protection structure, and premium efficiency — then identify what, if anything, needs to change.