Roger Castonguay, CHS

Financial Security Advisor
Investment Representative

"Keep it simple and easy to follow." That’s my approach with my clients. I help simplify life, disability and critical illness insurances and investment concepts for my clients every day and I show them how they can apply these ideas to their unique situations. When the plan makes sense, it helps them feel more confident in achieving a fulfilled financial future on their own terms.

I’m dedicated to my clients and I put their needs first. I pride myself on a keen ability to listen and get to know them and their financial goals. I find solutions that make sense to their needs and I make sure they have a solid retirement plan so that they’re better prepared for unforeseen life events. My successful client relationships are due, in large part, to the deeply rooted trust that we build together right from the beginning.

I help professionals and their families in the areas of life insurance, investments, retirement, estate and succession planning. I also help clients who have small businesses in areas such as key person insurance partnership protection and employee benefits.

I attended McGill University for Music and Concordia University for Business. I’ve completed my life insurance licence in 1998, mutual funds in Canada licence in 2000 and my Certified Health Specialist designation in 2007. I’m currently working on my Chartered Life Underwriter designation.

I live in Quispamsis, New Brunswick with my wife Tracey and two daughters, Katherine and Victoria. When I’m away from the office, I enjoy reading and travelling with my family. I serve my community on several community boards.

I have a passion for aviation and have earned my pilot’s licence. I hope to fly single-engine aircrafts again soon. More recently, I’ve become interested in photography. I enjoy taking nature photos. I have a special love for photographing birds and animals.

Anyone can get sick: Sandra's story - Canada Life

A critical illness can happen to you even if you have a healthy and active lifestyle. Critical illness insurance helped Warren take care of his daughter and wife, Sandra, to lessen the emotional and financial strain of Sandra’s illness.

 

View the video transcript

 

Description: Emotional music begins to play. Man begins to speak.

Warren: My first reaction when I heard Sandra had cancer was denial.

Description: A happy, family portrait of a woman, man and infant daughter appears.

Description: The video turns to the man in a room. A white box appears at the same time with red text that reads, Warren, Sandra’s husband.

Warren: I think before we even heard the word cancer, I was just denying the fact that it was very much a possibility that it can happen to anybody.

Description: A photo of a woman and Warren wearing winter attire appears. A white box with red text appears on the screen that reads, yesterday, a healthy lifestyle.

Description: The scene cuts to a woman speaking in a room. A white box appears at the same time with red text that reads, Sandra, 30, Lymphoma cancer patient.

Sandra: We had a pretty active lifestyle before I got sick. We have a Dragon Boat team with our family. We have a home gym. We like to get out with our daughter.

Description: A picture of Sandra, Warren and their infant daughter appears. Their daughter is in a chest carrier worn by Warren. The family is smiling.

Sandra: She has dance classes.

Description: A picture of Sandra, Warren and their infant daughter appears. They are all bundled in winter attire, smiling for the camera.

Sandra: She's a very busy, energetic little girl that needs to be kept busy.

Description: Then video then cuts to a photo of Sandra and Warren who are wearing numbers on their chest for a marathon. They are both smiling for the camera.

Warren: We were active, we were healthy. We always bought our fresh fruits, veggies, every couple of days.

Description: The video returns to Sandra and Warren sitting beside each other in the room.

Warren: Every couple of days, we had, our meals, we had lots of balance between our meats, our fruits and our vegetables.

Description: The video cuts to Warren.

Warren: That's just was we enjoyed. We don't drink much, we don't smoke.

Description: The video returns to Sandra and Warren.

Warren: We're out every day, we have a dog, so I take her for a run in the mornings and Sandra would take her with a walk for our daughter in the afternoons.

Description: The video returns to Warren.

Warren: I guess just average people, but active and healthy, and we prided ourselves on being healthy and taking care of ourselves to live a long and healthy life. It's just you don't get to decide how your life goes sometimes.

Description: A photo of Sandra and Warren wearing winter attire appears. A white box with red text appears on the screen that reads, the diagnosis.

Description: The video returns to Sandra and Warren.

Warren: What happened was really just out of the blue.

Description: The video cuts to Sandra.

Sandra: There's no history in my family of the type of cancer I have. That's one of the top three reasons you get Lymphoma, but there isn't any in my family. There's no history of it.

Description: The video returns to Sandra and Warren.

Sandra: I was going just for a check-up, get my teeth cleaned, I hadn't been in a while, and wasn't expecting to be where we are now.

Description: The video cuts to Warren.

Warren: I just kept telling myself, "The results will come back in and it will be nothing. We'll get this removed. She'll have her nice visit to the dentist she's been waiting for.

Description: The video returns to Sandra and Warren.

Warren: And we'll move forward and there will be lots of time, that we can play with our daughter and just have a normal summer that way."

Description: A photo of Sandra and Warren wearing winter attire appears. A white box with red text appears on the screen that reads, the beginning treatment, a lifestyle change.

Description: The video cuts to Warren.

Warren: The first day or so was...It kind of felt like a bomb had gone off in our lives. It was like a ringing in my ears and you're trying to absorb everything all at once, and there's so many emotions.

Description: The video returns to Sandra and Warren.

Warren: You kind of have to buckle down and say,

Description: The video cuts to a photo of Sandra and Warren who are smiling. They are both bald.

Warren: "No, this was... it doesn't really matter how I feel right now. We got to take care of Sandra."

Description: A photo of Sandra and Warren wearing winter attire appears. A white box with red text appears on the screen that reads, the beginning treatment, today and tomorrow.

Description: The video returns to Sandra and Warren.

Warren: You go through life and people hear the word insurance, and I think sometimes there's a negative stigma attached to that, but this really was something that helped us take care of us, take care of our family, and provide, as a husband, as I said to provide for my wife and my daughter, and it was just such a good thing. Such a good thing. The service we received, it was unbelievable how great everybody was.

Description: Sandra and Warren are featured walking in a busy downtown area, walking together, holding hands and smiling.

Description: The screen goes white. Red text appears that says, talk to your advisor today. Canada Life logo appears.

Protect your paycheque 

Disability insurance works when you can’t. It can give you tax-free monthly income to help pay expenses if an illness or accident stops you from working. Not all disabilities are so easily recognized. Chronic pain or a mental health issue can also qualify as a disability. 

Ask an advisor: Why work with an advisor?

Learn the benefits of working with an advisor to help build a financial plan for your future.

 

 

View video script

 

Description: This animated video introduces two characters named Lauren and Amina and illustrated graphics to show how an advisor can help create a financial plan to reach your goals.

Text “Ask an advisor” appears. The camera zooms out as the text lands in an outlined square. “Why work with an advisor?” fades in below. An illustration of a handshake draws on the right side of the frame.

Lauren: I could buy my insurance and investments online. Why should I work with an advisor?

Description: Lauren sits outside at a café table with a lemonade in front of her.

Amina: My advisor sees the big picture of how all my finances fit together.

Description: Cut to show both Lauren and Amina sitting at the table.

Amina: I might miss something important doing it myself.

Description: The frame fades to reveal various graphics representing a new pet, life insurance, marriage, estate planning, new home, luxury car, speed boat, health coverage, travel and cottage.

Amina: There’s a plan to achieve all my goals,

Description: A line enters the frame to select Lauren’s goals: life insurance, a new home, health coverage and a cottage. All other graphics fade away.

Amina: even when new ones pop-up.

Description: The advisor’s hand moves into the frame to add a travel goal.

Amina: If something unexpected happens in the economy or the markets, I won’t freak out thinking I have to change or fix something.

Description: The line and goals move up and down to represent a shifting stock market.

Amina: My advisor updates me regularly, so I feel confident I’m on track.

Description: Amina’s hand moved into frame, holding her phone. A notification appears on her phone with a mail icon that reads: “New message.

Amina: With an advisor, my financial future is one less thing I need to worry about.

Description: Cut back to Amina sitting at the table, showing Lauren her phone.

Text “Let’s talk. Contact me today.” appears with legal line: “Video produced by Canada Life. canadalife.com 1-204-946-1190”

Recent Posts

November 2024 market update

Dec 06, 2024 - Canada Life

For the month ended November 30, 2024. Read our monthly update to find out what’s been moving markets....

Read more

October 2024 market update

Nov 06, 2024 - Canada Life

For the month ended October 31, 2024. Read our monthly update to find out what’s been moving markets....

Read more

September 2024 market update

Oct 08, 2024 - Canada Life

For the month ended September 30, 2024. Read our monthly update to find out what’s been moving markets....

Read more

Have you thought about getting critical illness insurance? 

Now may be the time! Canada Life is offering a 5% reduction in premium on critical illness insurance.

Here’s what you need to know:

  • The reduction in premium is applied to the total premium for the life of the policy, including renewals.
  • Includes additional benefits, reissues (if original policy qualified for the discount) and rated premiums.


Understand the benefits of critical illness insurance

Critical illness can provide you the financial support you need during life’s most challenging moments. Focus on what matters most – getting better and being with family.

Some ways you could use a critical illness insurance payout include:

  • Protect your family savings – manage everyday costs (mortgage, food, vehicle costs, etc.).
  • Unexpected expenses – hospital parking, private or out-of-country medical treatment.
  • Financial planning – helps give you financial control while you’re dealing with a life changing medical condition.
     

Learn more about critical illness insurance, how it works and why you may need it. 
 

If you’re interested, I’d be happy to share more details with you and work together to determine which insurance products best fit your needs.