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Who are we?

Kootenay Valley Financial Services Inc. is an independent investment funds and insurance sales company located in historic Nelson, BC. We offer a wide range of investment and insurance products including retirement savings plans, retirement income funds, term deposits, guaranteed investment funds, life insurance, disability insurance and employee benefit plans.

Our extensive knowledge of the insurance industry and the products available means our clients receive superior advice and financial solutions customized to each individual. We engage in our business activities under the following code of ethics endorsed by the Million Dollar Round Table - The Premier Association of Financial Professionals:

  • We always place the best interest of clients above our own direct or indirect interests
  • We maintain the highest standards of professional competence and give the best possible advice to clients by seeking to maintain and improve professional knowledge, skills and competence.
  • We hold in the strictest confidence, and consider as privileged, all business and personal information pertaining to their clients' affairs.
  • We make full and adequate disclosure of all facts necessary to enable our clients to make informed decisions.
  • We maintain personal conduct which will reflect favorable on the insurance and financial services profession and the Million Dollar Round Table.
  • We determine that any replacement of an insurance or financial product must be beneficial for the client.
  • We abide by and conform to all provisions of the laws and regulations in the jurisdictions in which we do business.

Darril is extremely proud to be a lifetime member of the Million Dollar Round Table.

The Million Dollar Round Table (MDRT) is The Premier Association of Financial Professionals.®

Founded in 1927, MDRT provides its members with resources to improve their technical knowledge, sales and client service while maintaining a culture of high ethical standards.

If your life insurance agent or financial services advisor is a member of MDRT, be assured that you are working with an accomplished, ethical professional who is considered to be among the best in the world. Round Table membership is an exclusive honor that is achieved only by a small percentage of all life insurance and financial services advisors worldwide.

MDRT is comprised of 32,981 qualifiers who reside in 74 nations and territories, representing about 480 companies.



 Darril Beninger Photo

Darril Beninger

Life Insurance Advisor, President - Kootenay Valley Financial Services Inc.

Mutual Funds Representative - Manulife Securities Investment Services Inc.

Darril is a Mutual Funds Representative for Manulife Securities. He has been in the business for 38 years and earned the industry’s highest recognition as a lifetime member of the Million Dollar Round Table. Matching client’s needs with the correct product as well as managing risk is Darril's top priorities.

Darril is married for 42 years with three children and four grandchildren. He enjoys spending time at the lake house with his family.

Jeremy Beninger Photo

Jeremy Beninger

Junior Insurance Agent- Kootenay Valley Financial Services Inc.

Jeremy Joined our firm in March 2020 and specializes in life and group benefits. Jeremy's priority is to find the program that best suits his clients with his extensive knowledge of Manulife group benefits and plans. He is dedicated in finding the most comprehensive plan in the market. 

Jeremy is also a kayak guide and instructor. He found a true passion for connecting with people a decade ago and this has strengthened his career in the financial industry.

Lori Beninger Photo

Lori Beninger

Office Manager - Kootenay Valley Financial Services Inc.

Lori manages the internal workings of Kootenay Valley Financial Services Inc and makes sure things run smoothly. She has been married to Darril for 42 years and is highly skilled in interpersonal relationships. She fosters a strong relationship with our clients and enjoys interacting with them on a personal as well as professional level.

Ellen Graham Photo

Ellen Graham

Administrative Assistant - Kootenay Valley Financial Services Inc.

Ellen provides administrative support to ensure efficient operation of the office. She has over 30 years’ experience working in a variety of the field's concepts, practices, and procedures. Ellen began her career early in the retail and customer services industry, owned and operated a business, worked for non-profits as an advocate for victims of violence, career counselor and skills training and development coordinator.