
No pressure. No hidden fees. Just expert guidance from a licensed insurance broker who understands what you do.

100% risk free - 30 day money back guarantee

Here's what you get:
Clear, Step-by-Step Guidance
Proven Insurance Strategies
Family & Future Readiness Checklist
Real-Life Scenarios & Examples

Discover how to protect your income, preserve your wealth, and provide for the people you love all in one easy-to-read guide.

That’s where I come in.
As an independent broker, I help nurses, doctors, caregivers, pharmacists, and allied health professionals find the best life insurance coverage for their unique risks, from income protection to family legacy planning.
You’ll get:
Personalized guidance—not a one-size-fits-all policy
Affordable coverage that fits your budget and stage of life
Policy comparisons across multiple trusted insurers
Family-focused protection that grows with you

A must-read for anyone who wants to secure their family’s financial future, without confusion or overwhelm.
Life insurance is just one piece of the puzzle.
In Legacy Planning Made Easy, Toyin breaks down complex financial concepts into clear, practical steps that help you protect your family, reduce stress, and plan confidently for the future.
Whether you’re a nurse starting a family, a doctor building wealth, or a caregiver planning retirement, this book will help you make legacy planning simple and stress-free.
Because the person behind your policy matters.
Hi, I’m Toyin Adegbenro, an independent life insurance broker, wife, and proud advocate for health professionals across Canada.
Before I ever spoke to a client about coverage, I saw firsthand how unpredictable life can be for those who spend their days caring for others. Nurses working double shifts. Doctors missing family dinners. Caregivers putting everyone else first.
That’s why I’ve made it my mission to help health workers protect the people they love, build long-term security, and create peace of mind, no matter what life brings.
As an independent broker, I’m not tied to one insurer. That means I work for you, comparing policies from Canada’s top providers to find the right balance of protection and affordability.
When we work together, you get more than just a quote…you get a partner who truly listens, explains every option, and guides you through every step.
Coverage you can trust. Care you deserve.
That’s not just my tagline…it’s my promise.

Book your free consultation to find out what coverage works best for you.
Step 1: Quick Chat (15 min)
Tell me about your work, goals, and family situation.
Step 2: Review & Compare
I review policies from Canada’s top insurers and find options that fit your needs and budget.
Step 3: Get Covered with Confidence
You choose the plan that feels right while I handle the paperwork and follow up so you can focus on what matters most.
It’s life insurance made simple, transparent, and compassionate.
Life insurance is just one piece of the puzzle.
In Legacy Planning Made Easy, Toyin breaks down complex financial concepts into clear, practical steps that help you protect your family, reduce stress, and plan confidently for the future.
Whether you’re a nurse starting a family, a doctor building wealth, or a caregiver planning retirement, this book will help you make legacy planning simple and stress-free.
A must-read for anyone who wants to secure their family’s financial future, without confusion or overwhelm.

.Health workers face demanding schedules, higher stress levels, and unique workplace risks. Life insurance ensures your family is protected financially if anything unexpected happens. It replaces income, covers major expenses, and provides long-term stability for your loved ones
Workplace benefits are helpful, but they’re often limited:
- Coverage may end if you change jobs
- Many plans offer only basic amounts
- They rarely include critical illness or disability protection
- They don’t grow or build cash value
A personal policy stays with you forever, no matter where you work.
Most health workers benefit from a combination of:
- Term Life Insurance for affordable, flexible coverage
- Permanent Life Insurance for lifelong protection and cash value
- Critical Illness Insurance for recovery and medical expenses
- Disability Insurance to protect income if illness or injury affects your work
During your consultation, I help you choose the best fit based on your budget and goals.
No. Whether you’re just starting out or supporting a family, there are plans available for every budget.
My role is to compare rates across multiple insurers to find the most affordable and most valuable option for you.
Yes, in many cases you can.
There are traditional, simplified, and no-medical-exam policies available. Even with past health issues, you may still get coverage.
We’ll explore all your options during your consultation.
Absolutely. Many insurers offer coverage to permanent residents, work permit holders, and newcomers who have lived in Canada for as little as a few months. Your immigration status does not prevent you from protecting your family.
- Term Insurance: Affordable, simple, and covers you for a set number of years (10, 20, 30). Perfect for young families, mortgages, and income replacement.
- Whole Life Insurance: Lifelong protection that also builds cash value you can borrow from or use later. Ideal for legacy planning and long-term wealth building.
Most clients get approved within 24–72 hours depending on the plan and whether medical information is required. Some “no-medical” plans offer instant approval.
Everything is virtual. You can book a call at a time that works for you; during breaks, after shifts, or weekends. Simple, flexible, and stress-free.
As an independent broker, I don’t work for any single insurance company.
I work for you. That means:
- Unbiased comparisons
- Lower rates in many cases
- Custom recommendations
- Ongoing support even after the policy is issued
You get personalized care, not a call centre.
Yes. Beyond life insurance, I help clients:
- Build generational wealth
- Plan for children’s education
- Use insurance to transfer wealth tax efficiently
- Support retirement goals
- Protect income and health
It’s all about creating financial peace of mind.
Just click the button on this page to book your free consultation.
We’ll review your needs, explore your options, and build a plan you feel confident about.
No pressure. No obligations. Just guidance you can trust.
A quick, personalized review of your needs, clear guidance on the best insurance options for your situation, and a simple plan to protect your income, family, and future....all with no pressure or obligations.
Because I get it.
I know the unique challenges health professionals face: the night shifts, patient care stress, unpredictable hours and how that impacts financial planning. That’s why I go beyond quotes. I help you build a safety net that truly supports your family’s future.
Amaka O.,
Registered Nurse
Toyin made everything easy to understand and never rushed me. I finally have peace of mind knowing my kids are protected.
Dr. Nathan A.
Family Physician, Calgary
I’m a young doctor with student loans and a growing family. Toyin helped me balance protection with affordability and even showed me how my policy could build value over time.
Sandra K.
Personal Support Worker, Toronto
I’d been putting this off for years. Toyin walked me through each step, no pressure, just genuine care. Now I have peace of mind knowing my family is covered.
Chika E.
Registered Nurse, Ottawa
As a nurse working night shifts, I never had time to compare plans or read the fine print. Toyin explained everything in simple terms and gave me options that fit my budget.
It takes just one conversation to secure your family’s financial future.
Let’s find the right plan, together — one that protects what truly matters.
Information provided is for educational purposes only and does not constitute financial or legal advice. Licensed in Nova Scotia, Ontario, Saskatchewan, Alberta, New Brunswick, Manitoba.
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Copyright © Oluwatoyin & Oluwole Adegbenro. All Rights Reserved.
We don’t believe in get-rich-quick systems. We believe in hard work, real value, and service—and our programs are built to help you do just that.
As required by law, we make no guarantees about your results or income. Your success depends on your effort, background, and execution. Any figures shared are examples only—past results don't guarantee future outcomes.
We’re here to equip you with proven strategies to accelerate your growth, but the results are ultimately in your hands.
Questions? Contact us at
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Copyright 2025. Oluwatoyin Adegbenro. All Rights Reserved.
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