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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.

Testimonials

Brian helped me identify my insurance needs and found the most suitable product that fit my budget. Knowing that I was not familiar with the insurance industry and the terms of the contract, Brian explained everything in a simple manner so that I could understand it. I highly recommend Brian for anybody looking to buy life insurance.
Fanny L. Age 59, Vancouver
Starting a new family can be an exciting time, but it can also be a stressful experience as we try to find the right insurance product to properly protect ourselves from the unexpected. Brian was able to calculate my insurance needs and provide a solution that gives both of us coverage for a low short-term and long-term premium. I would not hesitate to recommend Brian for your life insurance needs.
Victor S. & Catherine W. Age 29 & 35, Surrey
Brian is professional, thorough and patient. Since he represents multiple insurance carriers, he was able to help me choose the most ideal disability insurance product for my situation. I was pretty picky about the kind of coverage I was looking for, yet he was able to find me a product that closely matched my needs. The process does take some time, mostly due to the underwriting, but Brian made it pretty seamless by keeping me updated and accommodating my schedule. Highly recommended!
Selina S. Age 33, Vancouver
Brian is very knowledgeable on insurance as well as providing financial advises. He is patience and provide lots of options for us. I would strongly recommend him, especially for young families with kids!
Rebecca Y. Age 40, Langley
I found Brian very professional during our shopping for a Joint Last-to-die life insurance policy for my wife and me. He responded not only very quickly but answered all my questions very well. I found him very knowledgeable, and so would recommend him to friends/family. Brian, please keep up the great work.
Sam N.Age 62, Toronto
My wife and I decided to get life insurance since we had just bought a new house. Brian was professional and very easy to communicate with. He walked us through our options and how each one could benefit us. I would definitely recommend him to anyone looking for life insurance coverage.
Tyler T.Age 29, Surrey

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