About Lebie
Lebie Curate's journey to becoming a trusted financial architect for Canada's high-income earners is a testament to unwavering discipline, strategic foresight, and a profound commitment to client empowerment. Originally from the Philippines, Lebie, alongside his wife Leslie, embarked on their Canadian odyssey in 2007. His initial years in Canada, navigating the electrical engineering field and even taking on a laborer position to gain Canadian experience, instilled a deep understanding of foundational systems and the grit required for success. This period, marked by earning a minimum wage, paradoxically saw him acquire his first investment and residential properties within five years, showcasing an early mastery of financial strategy.
A Paradigm Shift: From Engineering to Financial Independence
Inspired by a relentless pursuit of financial independence and a desire to leverage passive income, Lebie transitioned into the insurance industry in 2015. This wasn't a leap of faith but a meticulously planned strategic move. He challenged himself to match his full-time employment income with his part-time entrepreneurial endeavors, a goal he achieved for two consecutive years before fully dedicating himself to his insurance business in his fourth year. This methodical approach underscores his belief in thorough analysis and planning before significant decisions, a principle he extends to his clients.
Impact & Values: Integrity, Education, and Client Empowerment
What truly distinguishes Lebie's approach is his unwavering commitment to practicing what he preaches. He serves as a living model for his clients, ensuring he has personally implemented the advice he shares. His business specializes in providing financial security, wealth accumulation, and tax optimization strategies for professionals, small business owners, and corporate entities.
Lebie's work is guided by core values of integrity and a knowledge-based approach, prioritizing service and education. His profound impact is perhaps best encapsulated by a client's heartfelt testimonial: "Fortunately, I heeded your advice years ago; despite illness and uncertainty, my children are secured financially. Thank you for your service". This speaks volumes about the lasting security and peace of mind he provides.
Vision for the Future: Unlocking Full Potential
In a competitive industry where rules and regulations constantly evolve, Lebie believes in adapting to change while delivering exceptional service and demonstrating proven integrity. His vision for the next five years is clear: to empower individuals to unlock their full potential, achieving a lasting sense of independence and security. This vision, coupled with his personal discipline—encapsulated by his guiding belief, "The seed of discipline is bitter but its fruit is sweet" —positions Lebie Curate not just as an insurance advisor, but as an indispensable partner in building enduring financial legacies for Canada's high-income earners.
What Clients Say
Jasmine Richards
Delighted with the custom life insurance plan and investment-linked options. Perfectly suits my needs for security and growth. Highly recommend their personalized service!
Monica Chandler
Tried various insurers, but none matched the investment options and estate planning expertise here. Seamless integration and smart wealth transfer solutions that really deliver.
Thomas Krazinski
I've used various risk management services before, but none as thorough and reassuring as this. Everything feels more secure now.
Tailored Insurance Solutions for Wealth Protection and Growth
Explore tailored insurance solutions designed for maximizing wealth and securing legacies. Effective coverage meets unparalleled financial advice for the discerning high-income earner.
FAQs
Answers to Your Top Insurance Queries Simplified
What is Life Insurance
Life insurance constitutes a contractual agreement between an insurer and an individual. Upon death, whereby the insurer undertakes to pay a predetermined sum of money to the individual’s beneficiaries upon death, with the proceeds serving to settle debts, defray funeral expenses and provide for dependents.
Why do I need life insurance?
Life insurance is crucial for guaranteeing that your family and loved ones are financially secure in the event of your untimely death. It can assist in covering living expenses, debts, and other financial commitments, providing peace of mind for you and your family.
What are the types of life insurance?
Term Insurance: Provide coverage for a specific period such as 10, 20 or 30 years. If the insured dies during this term, a death benefit is paid to the beneficiaries.
Permanent Insurance: Is a type of life insurance that provides lifetime coverage for the insured, provided premiums are paid. It typically comprises a death benefit payable upon the insured’s death and cash value savings component that accumulates interest and tax-deferred growth over time.
What are the types of permanent life insurance?
Whole Life Insurance: Fixed premiums with guaranteed cash value growth over time. Whole life insurance is either participating or non-participating. Participating whole life plans provide dividends to policy holders that can be used to increase the cash value, purchase additional coverage, or be paid out in cash.
Universal Life Insurance: One of the unique features of Universal Life policy is its flexibility in premium payments and its broad range of investment options.
How much life insurance do I need?
The amount of life insurance required is contingent upon various factors, including your income, debts, and number of dependents. Typically, the coverage will range from 10-25 times the annual income.
How is the monthly premium determined?
Premium rates and cost are typically determined by factors such as age, gender, health status, lifestyle choices (e.g., smoking), avocation, and the type of coverage selected. Typically, younger and healthier individuals are charged lower premiums.
