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
Life insurance is a contract between you and the insurance company. You pay a premium to the insurance company. In return, the insurance company agrees to pay a tax-free lump sum benefit to your beneficiaries when you pass away.
You need life insurance if your loved ones will suffer financially upon your premature death. This could be for people who are just starting their families, empty nesters who have a few years to go until retirement, seniors who want to cover their final expenses, and much more.
You need enough to cover at least a few years of income replacement, pay off some debt, build your children’s education fund, and pay for final expenses like the cost of a funeral.
Many people choose to have enough coverage to pay off their mortgage and replace their income until their children are adults.
Ideally, your coverage will last until your retirement or your debt is paid off, whichever occurs later. If you want to cover final expenses, you need the coverage to last a lifetime.
The two main types of life insurance are term and permanent life insurance. Term insurance covers you for a set number of years like 10 or 20 years. The premium is guaranteed not to change during the entire term. Term insurance is the most affordable type of life insurance.
Permanent insurance lasts a lifetime and costs a lot more than term insurance for the same amount of coverage. The benefit is that premiums are guaranteed level throughout your life.
The type of life insurance you should get depends on your needs. If you want to replace your income and cover your debts, you want to get term life insurance. But if you’re older and thinking about estate planning, then you want to get permanent life insurance.
In reality, it’s a bit more nuanced than that. Some younger people get permanent as part of a wealth accumulation strategy while some older people buy term to cover debt in retirement. If you still need help deciding, check out this post comparing term and permanent life insurance.
Term insurance starts out very affordable. For example, a $500,000 term-10 policy for a female 40-year-old non-smoker only costs $21/month. The same amount for a male is $28/month.
Permanent insurance costs a lot more. Using the above example, a term to age 100 policy costs $316/month for a female and $368/month for a male.
The premium depends on many factors, such as your age, gender, smoking status, health, medical history, lifestyle, and more.
Most likely, yes. That’s because work usually covers a small amount like $25,000 or $50,000, or one or two times your salary. In most cases, this is not enough and you will have to top it up with your own policy.
Another thing to keep in mind is that you may lose the coverage either due to changing companies or a reduction in benefits. Either way, a personally owned life insurance policy is always more reliable than coverage from your employer.
By shopping online, you can find the best quote from dozens of insurance company from the comfort of your own home. When you’re ready, just reach out and we can start the application process.
If you need advice on the type and amount of insurance, feel free to reach out and we can help you do a needs analysis.
While some insurance companies offer products directly to the consumer, the amount is limited and the premium is much higher than buying through a broker. That’s because the underwriting process is simplified, preventing the insurance company from knowing much about you. So even if you’re very healthy, the insurance company won’t know that and has to charge you a higher amount to average out the risk from the less healthy people.
To get started, you can shoot an email to info@briansoinsurance.com or call us at 604-928-1628.
Buying life insurance can be difficult. There are lots of products to choose from and complex insurance lingo. If at any time you feel like you need assistance with the process, please feel free to reach out at info@briansoinsurance.com or 604-928-1628 and I will do my best to find you the best policy for your needs.
First, we do the application online via a video call to confirm your identity. During the call, we will gather basic personal information about you including your name, date of birth, address, and more.
The entire process usually takes between 30-45 minutes.
During the application, you can apply for temporary insurance by paying for the first month’s premium. This covers you during the underwriting process until the insurance company finishes underwriting and makes a decision on you.
If you don’t qualify for temporary insurance, your coverage starts after underwriting is done and you pay for the insurance.
It depends on how much coverage you buy and your age. The older you are and the more you buy, the more likely you will have to undergo a medical exam. Many companies let you buy $1,000,000 of coverage up to age 50 without making the exam mandatory.
If you have a medical exam coming up, this post will help you prepare for it so that you get the best results.
The quote you get from our quotation tool is for the average person based on your gender, age, and smoking status. If you’re healthier than the average person in your class, you can get a discount on your premium. Conversely, if you’re higher risk than the average person, expect to pay more for your coverage.
Yes, depending on your medical history and current health, you can still get life insurance. If you don’t qualify for a traditionally underwritten policy, you can buy a no medical life insurance policy. These types of policies ask fewer questions and are easier to qualify for. You also don’t need to go through a medical exam. However, they are more expensive than traditionally underwritten life insurance.
At the very least, you will need to provide your name, date of birth, smoking status, address, residency status, existing life insurance, and employment information. If you’re applying for a traditionally underwritten policy, you’ll need to provide more information about your health, medical history, lifestyle, and financial information. The insurance company can also request more information from your family doctor, the medical information bureau, by doing a medical exam, and other sources.
I’m a life insurance advisor licensed in 2012. I hold the Certified Financial Planner (CFP), Chartered Life Underwriter (CLU), and Certified Health Insurance Specialist (CHS) designations.
My mission is: “To protect the livelihood and financial wellbeing of Canadian families through education, planning, and a diverse suite of insurance products.”
The fact is, many Canadians with dependents don’t have any life insurance. Of those that do, many don’t have nearly enough to provide a financial safety net for their families.
I want to empower Canadians with the knowledge and confidence to make one of the biggest purchases of their lives, life insurance.
As seen below, I work with all the major insurance companies in Canada. This gives you all the choice you need when picking an insurance policy at an affordable price. I’m completely independent and not affiliated with any insurance company. This makes it easy to find you the best possible policy based on your needs and budget.
Unlike other websites, we are not a lead generating website. That means we don’t collect your information and sell it to a third party for a profit. I personally review all the quote requests, complete a needs analysis, and handpick the best solution based on the information you give me.
I pride myself in always putting the best interest of my clients first. If you need evidence of my service standard, check out my Google reviews.
Why not use a local broker or agent instead? These are the five main benefits of choosing us:
- Save time. You don’t have to wait for the agent to respond. That not only includes the first time you request a quote but anytime you want to make a change. Think of all the time you’ll save going back and forth with the agent!
- Convenience. You can get a quote whenever you want. Yes, even if you’re up at 2 am because you’re thinking about life insurance (trust me, you’re not alone).
- Save money. You know you’re getting the best price. The companies are sorted by cost on the results page so you can compare quotes instantly.
- Choices. All the insurance companies are at your fingertips. Some agents only deal with one or two companies that they’re familiar with. Chances are they’re not the best option for you based on price and benefits.
- Less pressure. You can work at your own pace. There’s no pressure by an agent for you to make a decision right away. So feel free to take your time until you’re ready to proceed.
I’m licensed with most of the life insurance companies through my managing general agency (MGA), called PPI.
The list of companies includes:
- Allianz Global Assistance
- Assumption Life
- BMO Insurance
- Canada Life
- Canada Protection Plan
- Desjardins
- Edge Benefits
- Empire Life
- Equitable Life
- Foresters Financial
- Humania
- iA Financial Group
- ivari
- La Capitale
- Manulife Financial
- Pacific Blue Cross
- RBC Insurance
- Specialty Life Insurance
- SSQ Insurance
- Sun Life Financial
- TuGo
- UV Insurance
- VUMI
You don’t have to pay for any of my services. That includes the quotation tool, a needs analysis, and my customized recommendations for the perfect policy for you. All you have to pay is the insurance premium. Once your policy is in force, I get paid a commission from the insurance company.
I understand that commissions can mean conflict of interest. You can rest assured that I have your best interest in mind. Here is how:
- Transparency: You can see all the quotes from all the insurance companies so you know which one has the best price.
- Advice: I regularly publish articles to help you make the best decision for your life insurance.
Yes, I believe that both disability and critical illness insurance form an important part of your insurance plan. I have products from many insurance companies, so I’m sure I can find you the right policy for your needs.
We value your business and we thank you for your confidence in choosing me as your source for advice and products. As my client, you trust me with your personal information. I respect that trust and want you to be aware of my commitment to protect the information you share in the course of doing business with me. Your personal information will only be used in a manner consistent with the purpose for which it was collected or with your express consent.
One of the best things about this site is that you don’t need to give me any contact information to get a quote. That means you can shop freely and anonymously here.
Please see our privacy policy for more details.
Didn’t get your answers here? Check out our full FAQ page for more answers to commonly 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]
I think you’ll agree with me when I say:
Life insurance products are WAY too confusing for the layman.
Or is it?
Well, it turns out that the vast majority of life insurance products fall under 1 of 2 categories: term and permanent.
Two categories – much easier to remember than dozens of products, right?
In this post, I will do a thorough comparison between them – the ultimate term vs permanent life insurance showdown.
And in the end, I’ll also help you answer the question:
“Which one is right for me?”