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 our clients through our downtown Vernon office.

We market and manage employee benefits and group retirement services for small and medium sized companies. We provide individual coverage for Life, Critical Illness, and 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 traveler 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 family and friends.

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 and the ability to connect with people. He enjoys finding solutions to complex problems. 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 include:  Bachelor of Commerce – McGill University in 1995 in Montreal, QC  (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 of Wilderness Tourism Association 2005-2010.

Angie Patrick

Office Manager

Angie was raised in the Okanagan Valley and has returned to the community of Vernon after living in the U.S.A. as a dual citizen.

She comes to Lifestyle with over 25 years of administrative experience within the insurance and construction & development industries and joins our team in the role of Office Manager.

Her hobbies include photography, kayaking, and enjoying time in the outdoors of our beautiful Okanagan Valley. Angie also supports non-profit organizations that are vital in our community. She currently volunteers as an animal support worker at our local Vernon branch of the BC SPCA and provides complimentary photography services for the Vernon Rowing & Dragon Boat Club.


Can a smoker get life insurance?

Smokers can get a life insurance policy, but they will pay a higher price for the coverage. The risk factors associated with smoking are well-known 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 allow you to qualify 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 booked your vacation.

Multi-trip travel insurance

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

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. Our agents will 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, as well as the specific needs for yourself and your family.

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 cutting back on coverage, raising the deductible will give you maximum peace of mind with 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 stay at home parent can cost upwards of $40,000 a year.