Permanent Life Insurance
Customized products based on each individuals unique circumstances. Get a quote and speak with one of our specialized insurance advisors.

What is Permanent Life Insurance?
Often referred to as Whole Life Insurance, a Permanent Life Insurance policy covers you for your whole life.
In the event of your death, it provides your beneficiaries with a tax-free payment to be used as they see fit. Some of the Life Insurance providers we work with offer plans that can build cash value over time.
The premiums associated with Permanent Life Insurance are usually guaranteed not to increase from the time you first buy the policy to the time the final payment is made. Other providers of Permanent Life Insurance offer plans that allow you to pay premiums for a limited time and then never again.
Advantages of Permanent Life Insurance
Life insurance is important because it provides financial protection for loved ones in the event of the death of the insured individual. It can help to cover expenses such as funeral costs, outstanding debts and mortgages, and can also be used to provide a source of income or a way to achieve financial goals. Additionally, life insurance policies can provide tax benefits and can be tailored to specific needs. Overall, life insurance is an essential form of protection that can provide peace of mind and financial security for loved ones in the event of an unexpected loss.
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How Do I Know What Option is Best for Me?
At InsureBC, we have a department called InsureBC Financial Services which specializes in all aspects of Life Insurance. Our team of experts pride themselves in providing our clients with a comprehensive analysis in an effort to offer customized products for each individual’s unique circumstances.
As a Life Insurance broker, InsureBC Financial Services is contracted with all major carriers such as Manulife, Sun Life, Canada Life, and others, in order to find the best solution for each situation. Whether you are best suited for term life insurance, whole life insurance or perhaps your situation asks for a more unique solution, our Life Insurance Experts can assist you with finding the best possible option.

Customer Testimonials
At InsureBC, we value the relationships we build with our clients. Don't just take our word for it – see what they have to say about their experiences working with our team of expert insurance brokers.





As a parent, it can be overwhelming to think about what would happen to your children if something were to happen to you. InsureBC made the process of getting Permanent Life insurance so easy and stress-free. I now feel relieved knowing that my family will be taken care of financially in the event of an unexpected tragedy.
I was skeptical about Permanent Life insurance, but InsureBC's agents were patient and informative in helping me understand the benefits. Now, I'm a believer.
As a retiree, I wanted to make sure that my estate was taken care of after I'm gone. InsureBC's Permanent Life insurance provided me with the peace of mind I was looking for. Their agents were patient and helpful in explaining the benefits of the policy.
The team was incredibly patient and took the time to thoroughly explain every aspect of the insurance policy to me. I would highly recommend their services to anyone in need of insurance. In fact, I will definitely be telling all my friends to visit these professionals for any of their insurance needs.
Frequently asked Questions
What is permanent life insurance?
Permanent life insurance is a type of life insurance that provides coverage for the entire life of the insured. It also has a savings component that accumulates cash value over time.
How does permanent life insurance differ from term life insurance?
Term life insurance provides coverage for a specific period of time, typically 10-30 years. Permanent life insurance, on the other hand, provides coverage for life and also includes a savings component.
How much permanent life insurance coverage do I need?
The amount of coverage you need depends on your individual circumstances, such as your income, debts, and family situation. It's best to speak to a insurance broker to determine the appropriate coverage amount for your needs.
How much does permanent life insurance cost?
The cost of permanent life insurance varies depending on factors such as your age, health, and coverage amount. It's best to speak to a broker for a personalized quote.
What happens if I stop paying premiums on my permanent life insurance policy?
If you stop paying premiums on your permanent life insurance policy, it may lapse and your coverage will end. However, some policies have a grace period during which you can catch up on missed payments. Contact your broker for more details.
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