Welcome to the Family, HBP Clients!


Costen & Associates would like to welcome the general insurance clients of Heritage Benefit Planners Inc. (HBP) to the Costen & Associates Family!

Effective July 1, 2014, HBP released selling and servicing personal insurance policies. While Heritage Benefit Planners Inc. will continue offering financial planning services, in order to provide their general insurance clients with consistent service Patrick Frandle and Kasandra Klassen have spent the last couple of months seeking out the best-fit Insurance Brokerage.

The result is that Patrick and Kasandra have selected our Brokerage, Costen & Associates Insurance and Financial Planning Ltd. to continue the servicing of their clients’ insurance needs.

With a team of friendly and knowledgeable Brokers, we look forward to offering HBP clients a diverse offering of insurance products and services and extended office hours (as we are open Monday to Friday from 8:30AM – 5:00PM and Saturdays from 10:00AM – 4:00PM). We are also accessible by phone, email, website, mobile app, Facebook and Twitter!

We have assigned a dedicated Broker, Heather Howard, to assist their clients with the transition. Heather has been in the insurance industry since 2006 and focuses mainly on auto, property and travel insurance, and has access to a range of other insurance services, including commercial. She will be available five days a week to answer any questions HBP clients may have.

Heather Howard
Heather Howard

We at Costen & Associates look forward to meeting our new clients and continuing to provide the excellent personal service they have been receiving from Patrick and Kasandra.

Thank you,

The Costen & Associates Team

As a friendly reminder, here is a list of all of the services that Costen & Associates currently offers:

Risk Management – developing strategies to manage risk and protect your assets, allowing you to enjoy peace of mind.

Homes / Cottages / Farms
Renters Insurance
Home & Auto Glass Policies
Motor Homes & Camper Policies
Automobile / Motorcycles
Snowmobiles / ATVs
Watercraft / Aircraft
Travel / Visitors to Canada Insurance
Mortgage Life Insurance
Permanent Life Insurance
Health & Dental Plans
Critical Illness / Long-Term Care Plans
Disability Plans

Financial Services – managing your money, expanding the possibility for financial freedom.

Educational Savings Plans
Term Deposits / GICs
Seg. Funds / Annuities / RRSPs / RRIFs

Business Management – designing a plan to manage your business’ needs, creating the opportunity for your business to thrive.

Commercial Property Insurance
Revenue Property Insurance
Commercial Auto / Trucking Insurance
Surety & Contact Bonding
Directors & Officers Liability
Malpractice & Professional Liability
Commercial General Liability
Special Events & Hole-In-One Insurance
Employee Benefit Plans
Cost Plus Health Plans
Group RRSPs
Profit Sharing & Pension Plans
Partnership Insurance