Brian So Insurance - Life insurance agency in Vancouver BC
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Life insurance is used to protect your family in case the unexpected happens. If you have a young family and financial obligations, you need to look into buying a life insurance policy. At Brian So Insurance, we help you through this process. We strive to understand your financial situation, build you a plan that fits your need, and guide you through the application and underwriting processes. We know that buying life insurance can be a handful, which is why we have tried and tested techniques that ease the burden on you and make it as easy as possible. You can get free life insurance quotes on our website in under 30 seconds. Best of all, it compares all the insurance companies in Canada so that you know you're getting the best rate. When you're ready, just contact us and we will be more than happy to serve you.
The main type you will look at is term life insurance. It protects you for a certain period of time like 10 or 20 years and is very affordable. Whole life protects you for your entire life and while it's more expensive, it is very useful in estate planning and tax planning. Universal life offers the flexibility of investments and insurance within a single policy and puts you in charge of the investments. No medical life insurance is excellent if you want coverage quickly without much underwriting and you want to skip the medical exam.
Besides these, we also offer living benefits. These include disability insurance which pays a monthly benefit while you are unable to work because of an illness or injury. Critical illness insurance pays a lump sum in case you suffer from a major illness like cancer, heart attack, or stroke. Long-term care insurance pays a weekly benefit if you're unable to perform 2 of 6 activities of daily living or have a cognitive impairment and is suitable for retirees. Health insurance reimburses you for expenses like prescription drugs and dental.