SERVICES
Life Insurance
TWO KINDS OF COVER
Which one are you here for?
They sound similar and do different jobs. One pays your family after you die; the other pays you while you are living with an illness.
Cover that pays a tax-free lump sum to the people you name when you die. Compare real prices across the market and see what your own age and health actually cost.
Cover that pays you a lump sum while you are still alive, on diagnosis of a covered condition. Different job, different question — and most people need to think about it separately.
ABOUT LIFE INSURANCE
What you are actually buying
Life insurance is one of the few things you buy hoping never to use. That makes it easy to put off, and easy to buy badly. Four things are worth understanding before you look at a price.
It replaces an income, not a life
The point of a payout is that the people who depended on your earnings can keep the house, finish school and take the time they need. Everything else follows from that.
It is cheapest when you least feel you need it
Premiums are set by age and health at the time you apply, and locked in. Waiting until cover feels urgent is the most expensive way to buy it, and a diagnosis in between can close the door entirely.
The payout is tax-free
A life insurance benefit is paid to your beneficiary free of income tax, and outside your estate if a beneficiary is named — which usually means faster, and without probate.
The right amount is a calculation, not a guess
Debts, the years of income being replaced, what is already covered at work, and what is already saved. Four numbers, and most people are surprised by the answer either way.
WHY THINK INSURANCE
What Working With Us Actually Looks Like
Independent advice, plain language, and a phone number that reaches a person. Here is what that means in practice.
Cover sized to your situation
Single, a couple, a young family, or a parent arriving on a Super Visa. We work out who actually depends on you, then size the policy to that — not to a package.
Quotes from several insurers
We are brokers, not one carrier. Give us your details once and see what the major Canadian insurers will genuinely charge you, side by side.
Straight answers before you sign
We explain what a policy will not pay for as clearly as what it will. If a plan is a poor fit for you, we say so rather than sell it.
Covered without the wait
Most visitor and travel plans are quoted online in minutes, and the policy document reaches your inbox the same day.
A person on the other end
Call 604-828-7213 and reach someone who can answer. Assistance runs 24/7, with access to multilingual support wherever you are in Canada.
We stay with you through the claim
The claim is the reason you bought cover. We prepare the paperwork with you and follow it up with the insurer ourselves.
Licensed and accountable
Think Insurance Services Inc. is a licensed agency in British Columbia, Alberta and Ontario, advising families since 2011.
Not sure which cover fits? Ask us.
Tell us who you are protecting and we will come back with real options, usually the same day.