Cranbrook, BC. Licensed in British Columbia and Alberta.

Your family deserves a real plan. Not a sales pitch.

Life insurance, living benefits, savings and retirement, explained in plain English. No pressure and no jargon.

I retired, got bored, and found the work I should have been doing all along: sitting down with families and having the conversation nobody else slows down for.

Book a free call Or call me at (250) 864-9008

Denise Schleuss, smiling, in a white shirt and light blazer — Hi, I'm Denise.

Protecting your family takes more than one policy.

Most families I sit with have pieces of a plan and gaps they didn't know were there. We look at the whole picture together.

The first conversation is free. No pressure to buy anything.

Book a free call

Protect what you have

Life insurance

Term or permanent coverage so your family can keep the house, pay the bills and grieve without panicking about money.

Living benefits

Critical illness and disability coverage that pays you while you're still here, when a diagnosis or an injury stops the paycheque.

Mortgage protection

Your own life insurance sized to cover the mortgage, so the payout goes to your family and they decide what to do with it. Not the same as the coverage the bank sells you.

Coverage for your kids

Children's coverage that locks in their insurability while they're young and healthy, so a diagnosis later in life doesn't close the door on them.

Health, dental and travel

Cover the everyday things a provincial plan leaves out, and the medical bills that follow you home from a trip that went sideways.

Build for later

Retirement savings

Building savings for later with options like RRSPs, TFSAs and annuities, and turning them into income you can count on.

Saving for your kids

Getting a head start on their education and their future, even if it's a small amount each month.

Know where you stand

Debt and money basics

How money grows, how debt holds you back and where your paycheque is actually going. No judgement. Numbers are my thing and I've seen it all.

Wills and estate education

Why a will matters and how to make sure your money goes where you intend. I'll connect you with the right professional for the legal side.

The mortgage insurance your bank sold you

It's the question I get asked most, so here it is plainly. Five questions worth asking about any coverage attached to your mortgage.

Bank mortgage insurance compared with your own personal life insurance.
Questions to ask	Bank	Your own
Do I own my own policy?	No	Yes
Can I choose the beneficiary?	No	Yes
Can I customize my coverage and add benefits based on my needs?	No	Yes
Can the death benefit be used to cover debts and living expenses?	No	Yes
Can my rates be guaranteed?	No	Yes

Go pull out your mortgage paperwork and find out which one you have. If you're not sure what you're looking at, send me a message and I'll tell you straight.

Things I'll refer you out for

Mortgage options, home and auto, pet insurance, business and commercial coverage, group benefits for your company, and debt consultation. These are offered through third-party companies, not by me. I'll point you to someone good and stay out of the way.

Products available depend on licensing and company approval in your province. I do not provide tax or legal advice.

Reiki Master. Cranbrook is home.

I'm not here to sell you. I'm here to help you plan.

I help families look at the whole picture. What comes in, what's protected, and what happens to the people you love if you're not here. Most families I sit with have pieces of a plan and gaps nobody ever pointed out.

Numbers don't scare me and I can explain them without the jargon. What I do is sit across from people the industry usually skips and have the conversation nobody else slows down for. The one about what happens to your family if something happens to you. The will. The burial. The part that makes the worst day a little easier for the people you love.

I'm an empath who works in financial services because I care what happens to families when someone can't be there anymore. Most people in this industry see a paycheque. I see a person.

A good plan isn't a financial product to me. It's how you show love to the people you'd leave behind.

Most people walk through the world not knowing how incredible they are. I want them to walk out of a conversation with me a little lighter, a little more seen, and with a plan that actually protects the people they love.

I practice Reiki. I believe we're all more guided than we know. And I want to spend the rest of my life making sure people feel a little more loved today than they did yesterday.

Let's have a real conversation

Thinking about joining the team?

The things we tell ourselves

I'm building a small team of honest people who want to help families build a real plan. If you're on the fence, I've said most of these myself. Tap one to see what I'd tell you now.

"I'm not a salesperson."

Neither am I. I never once pictured myself doing this. What I actually do is sit down with people and have the conversation nobody else slows down for. If you can be honest and you care about people, you can learn the rest.

"What will people think?"

Some people will talk. Some people always do. They are not the ones living your life. It took me 56 years to stop caring what people think and I'd love to save you some time.

"I'll start when I feel ready."

Nobody feels ready on day one. Confidence shows up after you start, not before. I learned this one step at a time and so will you.

"I tried something like this before. It didn't work."

Fair enough. A lot of us have been burned. So ask me the hard questions. What it costs to get started, how the money works, what a real week looks like. You'll get straight answers from me.

"What if I try and it doesn't work out?"

Then you'll know. And you'll walk away understanding money, insurance and how to protect your own family better than you do today. Staying put has risks too. We just don't notice them because they feel familiar.

"I don't have time for something else."

You can start part time, around the job and the life you already have. You set your hours. We figure out what fits you, not the other way around.

"I'm just not that kind of person."

The kind of person who does this well is someone who listens, tells the truth and actually cares what happens to people. Everything else can be taught. I'm living proof.

"I'm too old to start something new."

I retired, got bored, and started this in my fifties. Life experience is an advantage here. People trust someone who has lived a little.

Most of the time it isn't a reason. It's fear in a sensible outfit.

If any of those sounded like you, that's okay. Let's talk about it.

Start the conversation

What this work actually looks like

No hype. Here's the honest version.

You help families build a real plan. Protection, savings, retirement. Every conversation is about someone's kids, their home and their future. It matters, and you will feel that.

You're paid on commission. There is no salary and no guaranteed income. What you earn depends on the work you put in. I will always be straight with you about that.

You set your own hours. Part time or full time. Work around your job, your kids and your life. Nobody is punching your clock.

You'll need a licence. Selling insurance in Canada takes a provincial licence. That means study time and some upfront cost. I just went through it in BC and Alberta, so I'll walk you through every step.

You won't be doing it alone. Training, mentorship and someone in your corner who actually answers the phone. One on one, at your pace.

You learn what most people never do. How money, insurance, savings and debt really work. That knowledge protects your own family first.

Looking for your next chapter?

I'm building a small team of people who actually care about families. Tell me a little about you and I'll reach out personally within 24 hours.

"I'm only looking for honest people who can talk openly with others about hard topics. Death, money, family, the stuff most people avoid. And who are self-motivated enough to show up and do the work without being chased. If that sounds like you, and you want to help families, let's talk."
Denise

Book a call

Want to talk about your family's plan, or curious about joining the team? Pick a time that works for you. No rushing, no clock watching, no pressure.

Rather just call? (250) 864-9008. Or email cschleuss38ckkc@wfgmail.ca.

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