SERVICES
Personal & Family Protection Insurance
Tailored protection plans that grow as your family does. Ensure your loved ones never have to worry about the mortgage, education, or daily life—no matter what happens.
Work out the cover, then price it
Family protection is life cover. Start with how much your family would actually need, then see what that costs.
WHY IT MATTERS
Because Their Future is Your World.
We don’t believe in “set and forget.” We design coverage that evolves with you:
How much insurance does my family actually need?
A common rule is 10–15 times your annual income, plus your total mortgage. However, we sit down with you to calculate your specific “Protection Number” based on your family’s unique goals.
Is "Mortgage Insurance" from the bank enough?
Bank-issued mortgage insurance usually only pays the bank. Our family protection plans pay your family, giving them the flexibility to pay off the mortgage or use the funds for other urgent needs.
What if I can no longer afford my premiums?
We build “Scalable Plans.” If your financial situation changes, we can help you adjust your coverage to a level that stays affordable while still keeping your family protected. Last update 23, 2024
WHAT’S COVERED
What This Cover Includes
Starting Out
Protecting your first home and managing early career debts.
Growing Families
Securing your children’s education and replacing income for your spouse.
Building a Legacy
Ensuring your family’s lifestyle is maintained for the long term.
Features
A financial safety net that pays out when your family needs it most. Ensure your family’s monthly lifestyle doesn’t change even if your income stops. Funds specifically designated to clear the home mortgage and personal loans. Easily adjust your coverage limits as your family size or income grows. Support during life’s major changes, from marriage to retirement. One-on-one guidance to find the “sweet spot” of coverage and cost. Your Family’s Financial Guardian
WHY THINK INSURANCE
What You Get With Us
Why Choose Our Family Services?
- A Personalized Approach: We treat your family like our own, looking for gaps in coverage that others might miss.
- Stress-Free Planning: We handle the complexity of the insurance market so you can focus on making memories.
- Long-Term Partnership: We are here for the long haul, helping you update your plan as your children grow.
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.