Terry Zavitz BMusA, CFP, CLU, CHS, GBA, EPC Protecting families is the main reason Terry loves insurance. After 30 years in the business, Terry knows that disability and life insurance can make all the difference in the financial viability of a family in the event of death, disability or health changes. Her practice encompasses life and group insurance, but her true passion and expertise is in the area of Living Benefits. Zavitz Insurance Inc. is one of the larger independent disability insurance providers in Canada. Terry is a regular contributor to industry articles and speaks at events across the country. Justine Zavitz BComm, CFP, CHS, CLU Justine graduated with an Honours Commerce degree from McMaster University and continued on to earn her Financial Planning Services diploma from Fanshawe College. She then decided to join the family business and became a full-time advisor. Justine has continued to grow her insurance knowledge by obtaining the Certified Financial Planner (CFP), Certified Health Insurance Specialist (CHS) and Chartered Life Underwriter (CLU) designations.