Life Insurance

Tell us what you’re looking for and our life agents will do work for you.
For BC residents

Using our local knowledge and insurance expertise, we have helped many people to have a full range of high-quality insurance products and services exclusively designed and competitively priced to meet their unique needs.

Wide-array of coverage options

We’ve put you in control of your insurance purchase. That means you can pick from a range of coverage options, limits and deductibles that best suit your needs. Play around with the various choices and buy the policy that is unique to you and your needs.

Top notch customer service 

While we pride ourselves on being a digital brokerage, we realize that you may still need to talk to someone about your insurance. After all, insuring your home is not something that should be taken lightly. Our live agents are standing by to answer any questions you may have.

The importance of life insurance

If you have a family, a partner, or anyone who relies on your ability to earn a living, you should consider Life Insurance. The real question to ask yourself is, what would my dependents and loved ones do if I was not here unexpectedly tomorrow? Would their new situation allow them to continue with their current standard of living?
With its head-office in Vancouver, our Life Insurance Division features a team of local experts who pride themselves in offering each client with a comprehensive analysis of their needs. This enables them to establish and develop customized products for each unique situation. As a Life Insurance broker in British Columbia, InsureBC Financial Services is contracted with all major insurance companies such as Manulife, Sunlife, Canada Life, and others.

Who is InsureBC Financial Services?

We’ve developed a short video that offers additional insight into who we are and which insurance providers we represent.

What is life insurance and why do you need it?

Life insurance in BC is considered a crucial piece of financial planning by most. It is often considered to be an important element, needed most in the following occurrences:
Income Replacement

If people rely on your income, life insurance can replace that income for them in the event you are suddenly no longer there for them. This is most commonly the case with parents of young children or when the income of the remaining spouse is insufficient to pay the ongoing bills.

Funeral Expenses Coverage

Life insurance will provide your dependents with funds so that they can look after all expenses related to a funeral and other estate administration costs.

Inheritance Offering

Even if you do not have any assets to pass along, you can create an inheritance by buying a life insurance policy and naming your heirs as beneficiaries.

Repayment of Debts

One of the more important elements of Life Insurance is the ability it offers to use it to repay debts, most importantly your mortgage.  This protects your family so that they can pay off their home in the event of your death.

Term life insurance

Term life insurance is affordable, simple coverage that offers flexible, protection for a specific period of time. If offers protection for a specified number of years, most commonly 10, 15, 20, 30 years. If you become deceased while the policy is in effect, a tax-free payment will go to the person or people you name as your beneficiaries. AS a flexible option, you can convert most term policies to permanent insurance regardless of any changes to your health, occupation or lifestyle.


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Permanent life insurance

Permanent insurance offers protection for your lifetime and is typical divided into two types. While similar in nature, there is a specific difference between the two. 
Universal Life
  • [icon color=”Extra-Color-2″ size=”tiny” image=”fa-check”] Combination of life insurance and investment
  • [icon color=”Extra-Color-2″ size=”tiny” image=”fa-check”] A portion of your premiums go into a savings account, giving your insurance plan a cash value which you can borrow off of or withdraw prior to your death
Whole Life
  • [icon color=”Extra-Color-2″ size=”tiny” image=”fa-check”] Offers an insurance component and investment component
  • [icon color=”Extra-Color-2″ size=”tiny” image=”fa-check”] A portion of your premiums go into an investment account managed by the insurance company
Let's find out your options