Lane Cuthbert- Legacy, Leadership & Life Insurance (Yes, Really)
Featuring Lane Cuthbert of Lane Cuthbert Financial
You know those people who make you feel smarter just by talking to them? That’s Lane. And not in a show-off, suit-and-tie kind of way—more like “I just made sense of life insurance and estate planning over coffee” kind of way.
I had the chance to sit down with Lane Cuthbert from Lane Cuthbert Financial, and what struck me wasn’t just how much he knows (spoiler: it’s a lot), but how passionate he is about helping regular families protect what they’ve worked so hard to build. And more importantly, how he makes it feel accessible, not intimidating.
Why Lane Does What He Does
Lane’s not your average financial advisor. First off, he’s lived the legacy planning story firsthand. His mom was in a car accident when he was young, and thanks to someone else’s smart planning, Lane’s life was set on a totally different trajectory. That experience shaped everything.
“I’m a benefactor of life insurance. And now I get to help other families create that same security.”
That’s why he lights up when talking about using insurance for estate and wealth transfers. Sure, he helps people invest, plan, and protect their money. But his sweet spot? Making sure when a loved one passes, their family isn’t left selling the family cottage just to cover taxes.
Let’s Talk Tax (but in a way that actually makes sense)
If you’ve ever thought financial planning was just a bunch of buzzwords and charts, Lane will flip that on its head. He broke down one of the most misunderstood topics—how much tax your estate could owe—and let’s just say… yikes.
“People don’t realize that over half their estate could disappear in taxes when it transfers to the next generation.”
But here’s the cool part: he uses life insurance as a strategy to cover that tax bill for pennies on the dollar. It’s not about selling products. It’s about keeping cottages, homes, and small businesses in the family—without anyone being forced to sell just to pay CRA.
Wait… Did You Say Pastor?
Yep. Lane spent a decade as a pastor before getting into finance. Still an ordained minister (letters from Vital Stats still call him “Reverend Lane”), he blends both worlds beautifully. In fact, he’s now helping churches around the Lower Mainland develop underused land—transforming aging buildings and parking lots into revenue-generating properties that allow congregations to thrive without relying solely on tithes.
“Churches have assets. They just need someone to show them how to use them to serve the community better.”
This isn’t some side hustle. It’s a calling. And it’s helping keep valuable local programs running—like soup kitchens that would otherwise have to shut down.
Lane’s Big Warning? Don’t Stay Silent.
One of the stories that stuck with me: a client had done all the right planning, even bought insurance to cover capital gains tax on a family property. But he never told his kids the plan. He developed dementia. Stopped paying premiums. The policy lapsed. When he passed, the taxes weren’t covered—and the kids had to sell the beloved family home.
“The biggest pitfall? Not having the conversation. Involve the next generation. Let them know the plan.”
That hit hard. And it’s exactly why Lane focuses so much on education. He’d rather you come in for a coffee and leave with peace of mind—even if you don’t become a client—than never have the conversation at all.
This Isn’t About Sales. It’s About Service.
Lane said something that stuck with me: he’s been in the business long enough that he doesn’t need to “chase deals.” He’s not sitting down with clients to hustle a product. He’s sitting down to solve problems.
“If I can’t add value, it’s not going to cost you a thing. But if I can? I want to wear that win with pride.”
He’s built a business on helping families make better choices, reduce unnecessary tax burdens, and create security across generations—and he does it with humility, integrity, and a little humor along the way.
If you want to learn how to protect your family’s future, preserve wealth, and sleep a little easier at night, book a free coffee with Lane. Seriously—just visit LaneCuthbert.com or shoot an email to clientservices@lanecuthbert.com.
And if you’re a local professional doing impactful work in White Rock or South Surrey, I’d love to feature your story too. Apply to be part of The Best of White Rock right here. Let's keep building a community that celebrates people like Lane.
