In Ontario, taxes and costs can come due when someone passes, often before anything reaches the people they chose. If the money isn’t there, something gets sold. Nad Khoja helps people across Ontario see that bill coming and plan for it, so what they built goes where they meant it to go. Life insurance is often part of that plan. No pitch. Just an honest conversation.
Free to call. No obligation. If Nad is with another client, leave your name and number and he’ll call you back.
Nad KhojaLife & Health Insurance Advisor, licensed in Ontario
What happens to all of this when I’m gone?
Most people spend 30 or 40 years asking one question: how do I build more? They buy a home. Start a business. Save for retirement. Grow their investments.
Very few ever sit down and ask the next ones. What has to be paid before anyone gets a dollar? How much actually arrives? And does it go to the people I chose, the way I meant it to?
If leaving something real behind matters to you, to your kids, your grandkids, a brother, or a cause you care about, those questions deserve a proper answer. Not a last-minute one.
None of this is meant to scare you. It’s just what tends to happen when there’s no plan.
When someone passes, there can be taxes, fees and costs to settle before anything reaches the people they chose. If the money isn’t sitting there, something may have to be sold to pay it. Sometimes that’s the cottage. Sometimes it’s the business.
One person wants the business. Another wants cash. A home can’t be split down the middle. Without a plan, the people you leave behind are left to work it out at the worst possible time.
If you don’t decide what happens, the rules decide for you. And the rules don’t know who mattered to you, what you worked for, or what you hoped it would do.
These are the people Nad talks with most. See if you recognize yourself.
You’ve paid it down. It has grown in value more than you ever expected. You want the people you chose to benefit from it one day. But you’ve never actually sat down and planned how it will pass to them, or what that might cost.
“Do I have a plan, or am I just hoping it works itself out?”
You know how to run it. You know how to grow it. But you haven’t seriously planned what happens to its value when you’re not there. Who steps in? Who gets paid out? How does that get funded without hurting the business?
“Who should get what I built, and how do I want that to happen?”
The home is paid off or close to it. There’s retirement savings and some investments. You’re not lying awake over next month’s bills anymore. So the question is no longer “do I have enough?”
“What do I actually want to leave behind?”
Maybe a grandchild’s first home. Maybe a niece who’s like a daughter to you. Maybe a cause or a community that shaped your life. If nobody plans for it, the default rules send everything down one path, and it may not be yours.
“How do I make sure it goes where I want it to?”
These are common situations, not promises or individual advice. Everyone’s insurance, tax and estate picture is different.
Nad Khoja has been a licensed life and health insurance advisor since 1996. Nearly 30 years, most of it spent helping people in Ontario with one question: how does what I’ve built get to the people I choose, in one piece?
He doesn’t start with a product. He starts with a conversation about what you’ve built, who matters to you, and what you want your legacy to do. Then he walks you through how insurance actually works, one step at a time, so you understand what you’re choosing and why. Nobody should sign something they don’t understand.
Long before insurance, Nad studied biomedical ethics at the University of Toronto. The hard questions about health, care and what we owe the people around us have been his work ever since. He later earned the Elder Planning Counselor designation, specialized training in the money, health and family decisions that come up later in life.
Because he’s independent and not tied to one company, he can place your coverage with any of ten of Canada’s leading insurers and explain the differences in plain language. If something isn’t the right fit, he’ll say so.
No forms. No quotes flying at you. Just a phone call, and a real conversation after that.
Tell us a little about you and what’s on your mind. It takes a couple of minutes. If Nad is with another client, leave your name and number and he’ll call you back.
By phone, video or in person. This is where Nad asks the questions most people never get asked. What have you built? Who do you want it to go to? What has to be paid before it gets there? What would you hate to see sold? He listens more than he talks, and you’ll leave with questions you didn’t know you had, and answers to the ones you did.
You’ll know what you want your legacy to do, and whether it’s worth looking at how insurance could fit. If it’s not the right fit, Nad will tell you that too.
No fee. No obligation. Nothing to sign. You spend 20 minutes on the phone and come away understanding your own situation better than you did before. If it goes no further than that, that’s fine with Nad.
Most people think of life insurance one way: protection for a young family if something happens too soon. That’s one use, and an important one.
But life insurance does one simple thing that turns out to be very useful later in life. It pays a set amount, in cash, to the people you name, at the moment the bills come due. No waiting for a house to sell. No arguing over who covers what.
Permanent life insurance is built to stay in place for your whole life, so it’s there whenever that day comes. For some people, that makes it the cleanest way to pass value on to the people they chose.
Whether it fits your situation depends on your goals, your circumstances and the people you have in mind. That’s what the conversation with Nad is for. The question isn’t “which policy should I buy?” It’s “what am I trying to do for the people I care about?”
The payments and the coverage are set from day one and stay put. Many people choose it when they want something predictable they never have to think about again.
More ways to set it up and adjust it over time. Nad can walk you through when that flexibility is worth having, and when it isn’t.
Also need health coverage? Nad helps people with health, critical illness and disability insurance too. If that’s on your mind, bring it up on the call.
Legacy Transfer is not about finding the cheapest policy. It’s for people who have already built something worth passing on.
That’s okay. Nad may not be the right fit, and he’d rather tell you that than waste your time.
Most people put this off. Not because they don’t care, but because it’s uncomfortable and there’s always something more urgent.
The trouble is, life insurance is priced on two things you can’t turn back: your age and your health. The younger and healthier you are when you look at it, the more options you tend to have. Every year you wait, the door closes a little.
You don’t have to decide anything today. You just have to start the conversation.
So the conversation can start with your needs, not with one company’s product.
Listed for information only. No endorsement is implied. Not every insurer will suit every person.
Real conversations with homeowners, business owners, and families across Ontario.
“Nad took the time to understand our family before he ever mentioned a policy. We walked away feeling like we had a plan, not a sales pitch.”
Rina M.
Mississauga, ON · Family home & inheritance planning
“I came to Nad about passing my business to my kids. He explained it in a way I finally understood. No pressure, just clarity.”
Amir K.
Brampton, ON · Family business transition
“Twenty minutes on the phone and I finally knew what I wanted to leave behind. Wish I’d called years ago.”
Daniel S.
Toronto, ON · Retirement & next-gen legacy
These are the ones that come up on almost every call. If yours isn’t here, ask it when you call.
Call Nad at (647) 724-1315It’s thinking ahead about what you’ve built (your home, your savings, your business, your investments) and deciding what you want it to become for the people who come after you. It starts with two questions: who do I want to receive it, and how do I want it to get there?
If you’ve started thinking about what you want to leave behind, and who you want it to go to, you don’t need to figure it all out today. You just need to start the conversation.
(647) 724-1315Free to call. No obligation. If Nad is with another client, leave your name and number and he’ll call you back.