Lifestyle Insurance & Benefits Brokers

Suite #202, 3303 Coldstream Avenue,
Vernon, BC  V1T 1Y1
Toll Free: 1-877-542-8577
Phone: (250) 542-8577

    We’d love to hear from you. Send us a message below.


    Can a smoker get life insurance?

    Smokers can get a life insurance policy, but they will pay a higher price for the coverage. The risk factors associated with smoking are well-known and insurance companies consider smokers high-risk candidates. Most life insurance companies consider you a non-smoker if you have quit for 12 months, which will allow you to qualify for better rates after a year of being nicotine-free.

    You should…

    Regularly review your life insurance policy and amend it if your circumstances change. Examples could be the birth of a child, a change in occupation or an increase in your debt.

    When should you purchase travel coverage?

    As soon as you have paid for your trip, you are at risk, so secure coverage as soon as you have booked your vacation.

    Multi-trip travel insurance

    If you travel several times a year, it often makes sense to purchase a multi-trip insurance policy as opposed to getting a single-trip policy every time.

    Coverage is more important than price

    You will most likely pay a premium for good quality coverage that meets your specific needs. It helps to compare rates. Our agents will do this for you to ensure you are getting the best coverage for your cost limit.

    Why consult with a Licensed Financial Professional?

    A financial professional can help you factor in financial considerations, as well as the specific needs for yourself and your family.

    Are you protected?

    Did you know that Mortgage insurance sold through your bank is only designed to protect the lender, and not the homeowner?

    Play with the deductible

    If possible, find out whether changing the deductible will make any difference to the price. Often, a higher deductible means a lower premium. Rather than cutting back on coverage, raising the deductible will give you maximum peace of mind with minimum risk.

    Elmer Letterman

    “Luck is what happens when preparation meets opportunity”

    Don’t underestimate the value of a stay at home parent

    Legal & General released a report revealing that replacing the work of a full-time stay at home parent can cost upwards of $40,000 a year.