“Nick Brown’s excellent service continues. Nick has successfully delivered insurance solutions to assist with our personal estate and corporate succession planning. He has proven on several occasions that he can provide the right solution in an extremely fast and very professional manner. We appreciate the stellar service.”

Steve Fletcher
Vice President, McKeil Marine Limited

“Dear Nick and team,

Thank you very much for your assistance in helping plan our family insurance and benefits needs. After starting a new consulting business, we had the obvious concerns about giving up our corporate health and insurance benefits. As a single-income household, your help came at an important time for us. We are also appreciative of your understanding of the extra needs and options that are available to us as small business owners.”

Brad and Christina George

“Nick has been our employee benefit consultant for the last six years. He is quick to act on any sevice-related issues while maintaining that our coverage and rates are competitive. I would not hesitate to recommend Nick to any small business or corporation.”

Dr. Katina, MD

“Dear Brown Financial,

I’m writing this letter to you in part to say “Thank you” and in part to encourage other women to buy Critical Illness insurance from you. Please feel free to share my story on your Client Testimonials page in the hope that it may help others as well.

When my husband and I were first getting serious about personal insurance we weren’t sure what kind of coverage we needed. During our meeting to discuss coverage options, Nick helped us understand that because of my family history of cancer, that my Critical Illness policy would likely receive a health rating (meaning an increased cost) or an exclusion of coverage (no benefits for certain conditions). Understanding this ahead of time helped us feel better prepared for what to expect when we submitted our applications.

My policy was approved but with a 200% health rating. This essentially doubled the price for my Critical Illness insurance. I wasn’t sure what to do and thought about decreasing the amount of coverage (to reduce the cost) or giving up the coverage completely. We talked to Nick and he reminded us of why Critical Illness insurance was important to us and he reminded us of the ‘Money back guarantee’. The Return of Premium option increased the cost but guaranteed that if I stayed healthy then I would receive every penny that I had paid back from the insurance company. We liked this approach because even though we had to look seriously at our budget, we didn’t like the idea of potentially ‘throwing away’ money for a basic Term policy that would give us nothing if I stayed healthy. And most importantly we really wanted to have enough coverage to allow me to take time off work and obtain treatment to recover if I was ever diagnosed with a critical illness.

Your advice really paid off when I was diagnosed with breast cancer 18 months later. Suffice to say that when I first contacted Nick about my diagnosis, I was shocked, scared and confused. Nick took care of everything; dealing with the Insurance company on my behalf, checking up on me, and ultimately helping me receive my Critical Illness payout quickly, easily and without additional stress at a time when I already had so much on my mind. I can’t begin to put into words what a difference it made when I was dealing with multiple surgeries and then chemotherapy, to not have to worry about money, being off work, or the additional medical costs my treatment incurred. Needless to say it was difficult to get through my treatment and recovery, but the financial security provided by my Critical Illness insurance helped me focus on my health and my recovery.

I am so happy that you took the time to help me understand my options and to convince me to obtain the right amount of Critical Illness insurance, it made a huge difference in my life.

When I purchased the insurance, I was only 35 years old, healthy and a non-smoker. I assumed at that point in my life that my insurance was something I “might” need when I was much older, but 18 months later I received my diagnosis. Unfortunately, my situation is a stark reminder as to why women at any age should buy Critical Illness insurance; even if it seems expensive, it’s worth it!”

Sandra P.

“I came to know Nick Brown through Business Networking International (BNI), and have been a client for several years.

Nick presents himself in a knowledgeable, assured and professional manner. He listens carefully to questions and concerns regarding your needs. He investigates on your behalf, providing options to ensure the best outcome for your requirements.

In my situation because of family health history, Critical Care Insurance was initially declined. Nick worked diligently and was able to secure a Critical Care Insurance policy on my behalf. This was extremely important to me. I have respect and confidence in Nick and the Brown Financial team and recommend his services highly.”

Patricia D., Small Business Owner