Insurance and Income Protection is made easy using our Omni Formula process. We have products from the major insurers in Canada at our disposal to ensure that you receive the best value for your money and offer a wide variety of permanent and term life insurance products with the flexibility to meet your unique needs. 

In any given year: – 1 in 106 people die – 1 in 88 homes catch fire – 1 in 70 motor vehicles is involved in an accident causing disability, injury or death – 1 in 7 people are disabled. Are you and your loved ones protected?

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Learn about disability insurance here

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Joshua Krenus

Alteri Insurance Brokers

President and CEO

Joshua is no stranger to business, or its community in Vancouver. During the latter part of his high school years, Krenus began working for his Fathers construction business –
Common Ground. Joshua would spend four years learning site planning and management, budgeting, bidding and logistical planning – “with most new business mandating upwards of forty staff, and accepted bids reaching the low millions, you quickly learn how to
become efficient and manage your time”.

After realizing that construction wasn’t his passion, Joshua ventured out to start his own business, Krenus Detailers, which was a full service auto detailing company. Six months
after its inception, the business had two downtown locations and three full-time staff. “The detailing company is what really opened the doors for me. It was a tremendous local business that gave me the opportunity to meet people I would have never met otherwise”,
Krenus adds.

Joshua still owns Krenus Detailers and has begun his most recent venture, Alteri Insurance. Since Alteri’s inception in 2017, Joshua has been recognized as a 2017 BC Business
30 Under 30 Winner and a 2019 Life Insurance Advisor of the Year Award Winner. Krenus continues to enjoy the everyday challenges associated with growing an insurance business.

Individual Insurance

Most people buy life insurance to help ensure that their unexpected death will not negatively impact the financial security of those they love.

Business Insurance

Everything about your business success is dependent on you, and if you die, become disabled, or become critically ill, everything stops.

Critical Illness

If you develop a critical illness, you may need to take time off work, arrange additional care for your children, travel to specialized treatment centres and more.

Disability Insurance

If illness or injury prevents you from doing your job, you can help make sure your income continues uninterrupted.

Long Term Care

As you age, you start to realize the importance of having the right plans in place to make sure you receive the care you need if health challenges arise.

Accident & Illness

Accident and illness insurance provides affordable coverage for a range of accident-related situations, including broken bones, burns, paralysis, hospitalization and more.


FlexSave™ is a Private Health Services Plan (PHSP) for self-employed individuals which will allow them to pay their health and dental expenses in a tax-effective and cost-efficient manner.


I heard Peter on the Team 1040 and was hooked to his advice.  I eventually sat down for a mortgage renewal and was introduced to the Omni Formula. I have never had a retirement plan, now I have one and I can feel the financial weight lifted off my shoulders. I work less and enjoy life now . Thank you Peter, Vy Tri and Leanne for all you have done for me
Tor N
Our second year with Brian. Our first year was a major catch up! We're very happy with the service we have received and look forward to going back every year to have our taxes done!
Tricia S. Langley, BC
"I wanted to say how much I appreciate your dedicated hard work in providing me with a good solid income in making the right decisions for me to enjoy my life without worrying about my finances."     
Anne Cookson Kitchener, On
"Peter and his team have been extremely patient and have provided sound advice when helping my folks who are both retiring and needed a plan that would meet their needs in a few years time. His step by step approach helped my parents understand exactly what they need and have also reassured them that their ongoing meetings quarterly will help to ensure their investments and their retirement plan is EXACTLY what they want and need. If you want help getting your parents into the golden years - see Peter and team at Everything Financial."
Alan Maple Ridge, BC
"It is never easy to manage all the details when a loved one passes, no matter how prepared you think you are, somehow there is always unexpected. I am so grateful that the Omni Estate Program was suggested to me when I became the POA for my father and knew I would ultimately be his executor. When my father passed, it took just one email to Everything Financial Group to relieve me of all the pressure and stress. The phone call I received in response assured me that all the financial details of my father's estate would be looked after. I was provided with a list of the few things that I needed to do, and the Omni Estate Program looked after the rest. The staff of Everything Financial Group couldn't have been more helpful and supportive. They guided me through the few steps that required my involvement and worked with the Omni Estate Program to take care of the rest. From what I learned and observed through this process, I envision that the Omni Estate Program saved me many hours of stressful uncertainty with documents, issues, and agencies that are totally foreign to me. I highly recommend the Omni Estate Program as managed by Everything Financial Group."  
Barbara M Delta, BC
Peter, Christine, and Everything Financial Staff, Words cannot express how grateful we are for the generous gift that you gave Carly and Adelyn. To be included as one of the families benefiting from your generosity is an honor that we will forever cherish. You are beautiful people! People like you make such a difference in our world! You are truly inspiring! we will always remember your support and help! We look forward to participating in the Everything Financial Annual Charity Golf Tournament and giving back! With heartfelt and gratitude,  
Sandra and Darcy Malchuk Langley, BC
“The North Delta Minor Hockey Association would like to extend a warm thank-you for your generous donation of two Canucks tickets towards our raffle at the H2-4 Christmas tournament. Thank you for your support and assisting us in making our tournament a great success.”
Tracey North Delta
“My husband passed away unexpectedly and “ Peter Cishecki “ and his competent team ( Shannon and Jenny) have been unbelievable. Peter, has taken care of my financial planning needs. With Peter by my side, with guidance , planning, care and “ family” support , this very difficult time in my life has been made so much easier. I truly appreciate the support from Peter and his team at the Surrey office. Thank you Everything Financial.”
Darcee New Westminster, BC
“I have recently and unexpectedly retired long before I anticipated. This welcome situation has been orchestrated by Peter Cishecki and his competent staff. I am delighted to have time now to enjoy my new passion, golf! Thank you!”
Faye White Rock, BC
“Peter Cishecki has taken care of our family’s financial planning needs for nearly 10 years. He was referred to us by a friend and we have since referred him to other family members and friends. We have gained knowledge and net worth under his guidance and are appreciative of his continued support towards our financial goals. Thank you Peter and Everything Financial.”
Tanya Calgary, AB