Bound & Brilliant

Bound & Brilliant Author & Financial Expert

Welcome to my page! I'm Kirsten Mathews, a passionate author and dedicated professional in the financial and life insurance industry.

I strive to make a positive impact through both my writing and my work.

07/14/2026

💛 Life insurance is incredibly important... but it's only part of the picture.

What if you don't pass away, but instead face a serious illness?

In Canada, approximately 1 in 2 people are expected to be diagnosed with cancer during their lifetime as per the Canadian Cancer Society. While many people survive cancer and other serious illnesses, the financial impact can be overwhelming. Time away from work, travel for treatment, medications, household expenses, and everyday bills don't simply stop.

That's where critical illness insurance can make a real difference. If you're diagnosed with a covered critical illness and meet the policy requirements, it provides a lump-sum payment that you can use however you need, giving you one less thing to worry about while you focus on your recovery.

Ask yourself this...

❓ If you were diagnosed with a serious illness tomorrow, would you be financially prepared?

The best time to prepare is before life throws you the unexpected.

If you'd like to learn more about how critical illness insurance works and whether it's right for you, I'd be happy to answer your questions. ❤️

06/25/2026

📣 CAN I HAVE YOUR ATTENTION PLEASE 📣
PLEASE READ!!!
Life can change in a single heartbeat. One phone call. One unexpected moment. One storm no family ever saw coming.🌪️⛈️
We insure our vehicles 🚗 We insure our homes 🏠 We protect our phones, our businesses, even our vacations. Yet so many families still leave the people they love most financially unprotected.
Families are working harder than ever just to stay afloat. Mortgage payments, groceries, childcare, bills... life already feels expensive. The last thing your loved ones should have to worry about during a tragedy is money.
Life insurance is not about expecting the worst. It’s about making sure the people you love are protected no matter what happens. It is a final act of love that says:
"If life throws a storm at you, I still have your back."
The truth is, waiting can cost you more than just money.
As we age, coverage becomes more expensive, health conditions can arise unexpectedly, and tomorrow is never guaranteed.
The best time to protect your family was yesterday.
The second-best time is today. 💯%
Don’t leave your loved ones with stress, debt, or uncertainty during the hardest moment of their lives. Give them security. Give them options. Give them peace of mind. ❤️
If you’ve been putting it off, take this as your sign to start a conversation with me today! If you know me, I would hope you know that you can trust me, and that I would do the very best for you and your family 🫶

06/18/2026

🏠 Mortgage Insurance vs. ❤️ Term Life Insurance
Many homeowners don’t realize these two products are very different. Understanding the difference could save your family thousands of dollars and provide far better protection.

Mortgage Insurance Through the Bank

Mortgage insurance is designed to pay off your mortgage balance if you pass away.

Sounds good at first… but here’s what many people don’t realize:

❌ The payout goes directly to the bank, not your family.
❌ The coverage decreases as your mortgage balance decreases.
❌ Your monthly payment often stays the same even though the coverage shrinks over time.
❌ The bank can sometimes reassess eligibility at claim time.
❌ Coverage is usually tied only to your mortgage. If you move lenders or refinance, coverage may change or end.

Example:
If your mortgage drops from $450,000 to $200,000, the payout also drops to $200,000… but you may still be paying similar premiums the whole time.

Term Life Insurance

Term life insurance gives your family a tax-free lump sum payout if something happens to you during the term of the policy.

✅ The payout goes directly to your chosen beneficiaries
✅ Coverage stays level for the entire term
✅ Your family decides how to use the money
✅ Can help cover:
• Mortgage payments
• Daily bills
• Childcare
• Debt
• Education costs
• Funeral expenses
• Income replacement

Example:
A $500,000 term policy stays at $500,000 for the full term, even as your mortgage decreases.

That means your family could:
✔ Pay off the mortgage
✔ Replace lost income
✔ Keep money for future expenses

Instead of the bank being protected first… your family is protected first.

💭 Mortgage insurance protects the lender.
❤️ Life insurance protects the people you love.

If you already have mortgage insurance through your bank, it may still be worth reviewing whether it truly gives your family the protection they would need.

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Brooks, AB

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+14033630616

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