Brian So Insurance is a life insurance agency that provides a wide range of insurance products. We understand that no two individuals are the same and so no insurance product is the right fit for different people. The perfect insurance policy depends on the individual situation: finances, budget, needs, income, debt, and more all go towards identifying the right insurance product for a customer.

We work with all the major life insurance companies in Canada to bring you the right policy for you. This is important because not every insurance company offers all the products. Every company also have their own pricing method, so the same policy at one company may be more affordable at another. That's why we get quotes from every company and make sure that you get the best deals.

When doing risk management, life insurance is often the first thing to come to mind. But that is not the only type of insurance you need to protect yourself and your family. Here is a breakdown of all the insurance services you need for proper protection.

Term life insurance the main one. This consists of a policy with a set premium for a length of time like 10 or 20 years. It provides guaranteed premium at an affordable rate. When the term expires, you can either let it lapse, renew it at a higher rate, or convert it to a permanent policy.

Permanent life insurance is another option that could be suitable for you. It provides insurance coverage for your whole life so even if you pass away at a very old age, your beneficiaries still get the death benefit payout. You can even use it as a tax-sheltered investment vehicle to that you can maximize your savings while minimizing taxes.

No medical life insurance lets you get covered quickly without going through the medical exam. This is a great option if you have pre-existing medical conditions or just don't like needles. It's also suitable if you need coverage right away because it does away with most of the tedious tasks of underwriting.

Disability insurance protects your income in case you can't work in your regular occupation. It pays a recurring monthly benefit for the length of your disability.

Critical illness insurance pays a lump sum if you suffer from heart attack, cancer, stroke, and much more. In total, 25 major illnesses are covered. It lets you focus on your recovery instead of worrying about hurrying back to work.

Long-term care insurance pays a weekly benefit if you are no longer independent. This is for older people who worry about the cost of a long-term care facility or nursing home. Most of these cost thousands of dollars a month, even after the government subsidy.

Health insurance covers recurring expenses like dental, drugs, vision, paramedical practitioners and travel medical. While these costs are predictable, sometimes an illness strikes where some of these expenses can stretch your budget thin.

These are the types of insurance that you need to offer a comprehensive insurance package that protects you and your family. If you want more information or a quote for any of these, visit my website at https://briansoinsurance.com/