Most people who walk in not knowing what they need leave with a clear answer in 15 minutes. We start from your family's situation, not from a product.
What we cover
Term Life
Fixed coverage for a fixed period (10, 20, or 30 years). The most affordable option, ideal for covering a mortgage, replacing income, or protecting young families.
Whole Life
Permanent coverage with guaranteed cash value growth. Used for estate planning, tax-advantaged wealth transfer, and long-term family security.
Universal Life
Permanent coverage with flexible premiums and investment options. More complex; suited to clients with specific tax planning or business needs.
Mortgage Protection
Personal life insurance written for the value of your mortgage — but pays your family directly, not the bank. Usually cheaper and more flexible than the bank's version.
Critical Illness
Pays a tax-free lump sum if you're diagnosed with a covered serious condition (cancer, heart attack, stroke, etc.). Often added as a rider to life insurance.
Joint & Family Coverage
Multi-life policies for couples or family groups. Can include child riders (low-cost coverage for kids that converts as they age).
How we work
We're an independent advisor — meaning we don't work for a single insurance company. When you ask us for a quote, we shop multiple Canadian carriers (BMO Insurance, Canada Life, Manulife, Industrial Alliance, Equitable Life, Desjardins, and others) and present the best options side-by-side in plain language. You decide. There's no pressure and no obligation.
What a typical first conversation looks like
- 5–10 minutes of context. Family makeup, mortgage status, existing coverage, debts, retirement goals, who you're trying to protect and for how long.
- A quick coverage estimate using the DIME formula or — for more complex situations — a deeper needs analysis. Try our DIME calculator first to come in with rough numbers.
- Carrier shortlist + premium estimate. We'll tell you which two or three carriers we think will be most competitive for your age, health, and situation, and what monthly premium to expect.
- Application + underwriting. If you decide to move forward, we handle the paperwork and the medical (usually a free 30-minute paramedical exam at home). Most policies are approved in 2–4 weeks.
Common questions BC families ask
How much life insurance do I really need?
The honest answer is "it depends" — but the DIME formula (Debts + Income to replace × years + Mortgage + Education) gives most families a number within 20% of right. Use our free calculator for a starting estimate.
Is term or whole life better?
Term life is right for the majority of families: it's affordable, covers the years your dependants need protection, and frees up cash flow for retirement savings. Whole life makes sense when you have a specific permanent need — estate equalization, charitable giving, business succession, or tax-deferred wealth transfer. We won't push you toward whole life just because the commission is higher.
Can I keep my existing coverage from work?
Group life insurance from your employer is a nice-to-have but usually not enough — and it ends when you change jobs. Most families benefit from supplementing group coverage with a personal policy that's portable and fully owned by you.
What if I have a pre-existing health condition?
Many conditions are insurable at standard or modestly rated rates. Diabetes, hypertension, mild heart conditions, cancer history (with sufficient time since treatment), and many others. Different carriers underwrite the same condition differently — which is why shopping multiple insurers is critical.
Whether you already have coverage and want a second opinion or you're starting from scratch — book a free call. Get in touch →