Financial Planner serving clients from South Surrey/White Rock to Burnaby, Vancouver... and beyond

"Carey's style of interacting with me has involved the rare combination of business-like efficiency coupled with the ease of talking to a friend. I've been impressed with his financial knowledge and very much appreciated the promptness with which he replies to e-mails and phone calls."

Les Peters, Teacher - client since 1999 (South Surrey / White Rock, B.C.)

"My wife and I enjoy working with Carey Vandenberg. Carey offers a lot of true wisdom when it comes to financial matters. He is a man of integrity and I highly recommend him."

John Tsang, Pastor, Richmond, BC - client since 1997

"I like your approach to making my funds grow at a steady pace. Who needs the wild swings which only cause indigestion and sleepless nights. I can call you at any time to ask your opinion and advise."

Allan Davidson, Marketing Manager, Teck Corp., Vancouver, B.C. - client since 1995

"After talking to many people about their financial advisors, Carey is one of the most compassionate, and customer oriented individuals I've known."

Ron Modi, Client since 1988 (North Vancouver, B.C.)

Life Insurance for Your Mortgage

Buy It From the Bank or Get Your Own?

When it comes to our mortgage most of us will take the time to shop around for good interest rates and terms that suit our needs, but we may be inclined to take whatever is offered, or "the path of least resistance" when it comes to mortgage life insurance. This easy route tends to mean much higher costs for you with less flexibility and less certainty.

First, you need to see this CBC report on "Marketplace" which shows that you may actually faithfully pay your mortgage insurance premiums but when either you or your spouse dies you may not actually get anything.

Click here to watch the full CBC Marketplace report.

Here are the other facts on mortgage life insurance, the kind sold by banks with your mortgage:

If you buy your own policy:

Some cost comparisons (life insurance on $300,000 mortgage):

Bank of Montreal - $90 month
Bank of Nova Scotia - $84 month
TD Bank - $60 month
Equitable Life - $32.75 month

If you have any questions as it relates to your situation please feel free to call (604 541 2690) or e-mail me directly (
Carey Vandenberg - Financial Planner Signature
Carey Vandenberg
Chartered Financial Planner