Life Insurance Agency Serving BC, Alberta, and Ontario
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Term Life Insurance
Use term life insurance to protect your family in case the unexpected happens to you. It's the most cost-effective way to provide large amounts of money at your death so that your family will be financially secure after your passing.
Permanent Life Insurance
Permanent life insurance lasts a lifetime, so you know your family will receive a payout, no matter how long you live. Plus, some policies contain cash value that grow in a tax-sheltered manner so you can use it to supplement your retirement.
No Medical Life Insurance
Do you have a complicated medical history or unique lifestyle that makes you hard to insure? Want to skip the medical exam? Just want insurance quickly? If that sounds like you, then look no further than no medical life insurance.
Disability Insurance
Your greatest asset is not your home. It is your ability to earn an income. Disability insurance protects your greatest asset by paying an ongoing benefit to you while you're unable to continue performing the daily tasks of your occupation.
Critical Illness Insurance
Critical illness insurance covers you in case you suffer from 1 of 25 illnesses. It pays out a lump sum amount in the event you survive a critical illness. Common covered conditions include cancer, heart attack, and stroke.
Long-Term Care Insurance
Long-term care insurance protects your retirement by making sure the cost of a nursing home does not drain your retirement funds. You get a weekly benefit if you lose your independence.
Health Insurance
Health insurance reimburses you for medical expenses like prescription drugs, dental, and paramedical services. It's great for self-employed, contractors, and those without coverage through their employer.
Top Rated Life Insurance Companies You Can Trust
Tools To Help You Find The Perfect Insurance Policy
Affordable Life Insurance Quotes To Protect Your Family
You’ve worked hard to get to where you are today.
You may have a job that pays well, a home, a partner and children.
With that comes a lot of responsibility. You have to pay your bills, service your debt, save for your children’s education and your own retirement.
Even if you’ve been doing all of that, have you considered the financial impact to your family if the unexpected were to happen? How will you replace your income? Who will pay the mortgage? Can your family make ends meet?
That’s where life insurance comes in. The right insurance policy can be the difference between financial devastation and financial stability.
But with so many choices out there, how do you choose? There’s term, permanent, whole life, universal life, and much, much more. You can get a quote in under 30 seconds, but how do you know if the policy you choose is right for you?
I am here to help you with that decision. If you’re the DIY type, with the information on this site, you can become an expert on insurance yourself. Or if you prefer to let someone else with the expertise and experience handle it for you, I would be more than happy to take that off your plate.
Why use an insurance broker
Lots of people buying insurance want to bypass the broker, thinking that if they go directly to the insurance company, they will get a better deal.
But when you go directly to the insurance company, the price you pay will be higher than going through a broker. That’s because little underwriting is done, so the insurance company charges a higher premium to account for the unknown risk that they are taking on.
They also believe they will avoid conflict of interest with the broker doing what’s best for himself instead of the client.
But that just means they have to find a trustworthy broker who will work in the best interest of the client.
That’s where Brian So Insurance comes in.
Why choose Brian So Insurance
I’ve earned the trust and helped countless individuals obtain life insurance. I always look out for the best interest of my clients and make sure they are completely satisfied with the policy they buy, without applying any sales pressure.
Because every situation is unique, I don’t take a cookie cutter approach to life insurance. I will strive to find out the details of your specific situation and design an insurance solution that works for you and fits your budget.
As an independent insurance broker, I have access to over a dozen insurance companies’ products, so you can be sure there’s a policy out there with your name on it. And every company has different underwriting standards, so even if you’re declined by one, it doesn’t mean you cannot be insured.
Who I help get insurance
From the young and healthy non-smoker to an elderly individual with multiple chronic health issues, I help a broad range of people get approved for life insurance.
Newer insurance products like have come out that are designed for the “hard to insure”. These “no medical life insurance” have their benefits and drawbacks. I help my clients understand how these products work and determine if they are a good fit for them.
The main goal of most of my clients is to protect their families with life insurance. But many also use it strategically for estate planning, charitable giving, tax-sheltering, and more.
Let me help you find the perfect insurance policy to protect you and your family.
Frequently Asked Questions
Testimonials
Popular Posts
Joint First-To-Die Life Insurance: Pros and Cons (Updated in 2024)
Did you know that a life insurance policy can cover more than one life?
One of these types of policies, joint last-to-die, pays a death benefit on the last death of two or more people.
The other, joint first-to-die, pays out on the first death between two people.
In this post, we will explore the advantages and drawbacks of joint first-to-die life insurance coverage and whether it offers the financial protection you need.
15 Reasons Why You Should Avoid Mortgage Life Insurance
Mortgage life insurance is sold by your lender to pay off the mortgage in case you pass away.
But is it a good deal?
It is for the bank.
In this post, I will show you exactly why that is. I’ll also show you an alternative to mortgage life insurance that gives you better coverage. Oh, it can also save you 30%.
Let’s get started.
Term vs Permanent Life Insurance: Which Should You Choose? [Infographic]
Choosing the right life insurance policy is one of the most important financial decisions you’ll make, but it often comes with a tough question: Should you go for term or permanent life insurance? Both types have their unique features, benefits, and drawbacks, and understanding them is key to making the right choice for your needs.
In this post, we’ll demystify the differences between term life insurance—a cost-effective option for temporary coverage—and permanent life insurance, which provides lifelong protection and potential cash value. We’ll delve into the pros and cons of each type, helping you weigh affordability, flexibility, and long-term benefits.
By the end, we’ll settle the debate once and for all, helping you determine which type of life insurance is most suitable for you, based on your financial goals and personal circumstances. Let’s dive in and uncover which policy aligns best with your life plan.
