Our Company

We enjoy a long history in the Okanagan. Brian & Wendy Lutz founded Lutz Financial in 1986 focusing on Business and Personal Insurance. A long time employee, Geoffrey Straight took over the business in 2013 and today we’re called Lifestyle Insurance and Benefits Brokers. We serve the our clients through our downtown Vernon office.

We market and manage employee benefit and group retirement services for small and medium sized companies. We provide individual coverage for Life, Critical Illness, Disability insurance. We are experts in the field of Accidental Injury Insurance and provide innovative and cost effective solutions for high risk industries and individuals.

We provide travel insurance solutions for the Adventure Tourism market and are a preferred provider for HeliCat Canada, Wilderness Tourism Association, Backcountry Lodges of BC and Guide Outfitters of BC. Our in house travel specialist is able to customize your coverage for any type of vacation or trip abroad.

Our Team

Maria Delaney, GBA

Managing Partner, Travel

Maria provides travel insurance solutions for the adventure traveller and snowbirds. With over 30 years of progressive financial services and travel insurance experience, Maria offers a wide range of expertise to our company and our clients. Living locally in the Okanagan Maria can indulge her passion for the outdoors with friends and family.

Geoff Straight

Managing Partner

Geoff joined Brian and Wendy Lutz as an associate in 2009 to help them with their growing network of clients. He was able to focus on service development and business planning giving him insight into the existing business and a good understanding of the clients. Geoff is now the managing partner at Lifestyle Financial.

His commitment to clients is simple. Be honest and reliable. Understand the goals and provide options that make sense. He has an analytic personality with the ability connect with people. He enjoys complex problems and getting his hands dirty trying to solve them.

Before becoming involved in Lifestyle Financial, Geoff was a business owner in the helicopter skiing industry for 13 years. Assessing and managing risk has always been a big part of what he does best.

Geoff lives in Vernon, BC with his wife Sonja and their two children. They enjoy an active outdoor lifestyle. Hobbies include fishing, skiing, mountain biking and team sports.

Education and professional background:

Bachelor of Commerce from McGill University in 1995 in Montreal, PQ. Major in Finance and minor in Entrepreneurship.
LLQP Licensed by Insurance Council of BC in 2009.
Member of Advocis since 2010.
Ethics Committee Chairman for HeliCat Canada 2006-2010.
Member of the Board of Directors for Wilderness Tourism Association 2005-2010.

Vicki Boitchenko

Administration

Vicki provides administrative support and expertise assisting our group clients in managing of employee benefit and retirement plans. She is often the voice on the phone for inquiries on individual life or disability plans for changes and updates. She first began her career in the insurance industry in 2012 with Great West Life and has been with us since 2014. Vicki has completed the LLQP qualifications and is a licensed Life, Accident & Sickness agent. She has travelled all over the world including Europe, India, South America and Russia for both pleasure and humanitarian service work. Vicki enjoys sports and leads an active lifestyle within the community.

Tips

Can a smoker get life insurance?

Smokers can get a life insurance policy, but they will pay a higher price for the coverage. It is already well known the risk factors associated with smoking, and insurance companies consider smokers high risk candidates. Most life insurance companies consider you a non-smoker if you have quit for 12 months, which will qualify you for better rates after a year of being nicotine free.

You should…

Regularly review your life insurance policy and amend it if your circumstances change. Examples could be the birth of a child, a change in occupation or an increase in your debt.

When should you purchase travel coverage?

As soon as you have paid for your trip, you are at risk, so secure coverage as soon as you have book your vacation.

Multi-trip travel insurance

If you travel several times a year, it often makes sense to take a multi-trip insurance policy as opposed to getting every time single-trip policy.

Coverage is more important than price

You will most likely pay a premium for good quality coverage that meets your specific needs. It helps to compare rates and our agents do this for you to ensure you are getting the best coverage for your cost limit.

Why consult with a Licensed Financial Professional?

A financial professional can help you factor in financial considerations, your needs and your family’s needs.

Are you protected?

Did you know that Mortgage insurance sold through your bank is only designed to protect the lender, and not the homeowner?

Play with the deductible

If possible, find out whether changing the deductible will make any difference to the price. Often a higher deductible means a lower premium. Rather than cut back on coverage, raising the deductible gives you maximum peace of mind and minimum risk.

Elmer Letterman

“Luck is what happens when preparation meets opportunity”

Don’t underestimate the value of a stay at home parent

Legal & General released a report revealing that replacing the work of a full time mum can cost upwards of $40,000 a year.