604-360-1060
12411 Trites Road #53Richmond, BC, Canada

Accident Insurance

If you are a contractor, roofer, plumber or someone working in physically demanding jobs or having a risky hobby e.g. bungee […]

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Critical Illness

Critical Illness Insurance This policy pays a lump sum directly to you to cover out-of-pocket expenses so you can focus on […]

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Richmond BC Living Benefits Insurance umbrella
Affordable comprehensive insurance coverage for the whole family

Insurance Coverage for everyone in the family

If you are looking for insurance for your family, yourself or your employees, you have come to the right place.

Please call us at 604-360-1060 at Richmond BC Living Benefits Insurance and our caring team of experts will be able to give you the advice you need.

Watch this youtube video on what living benefits are and why Canadians need them. Click here.


Richmond BC Living Benefits Insurance province

We serve any residents in the province of BC

We have years of experience servicing customers residing in any part of British Columbia, from the northwest, up north in the interior to the southeast of BC, metropolitan Vancouver including Richmond, Burnaby, New Westminster, nearby cities and the surrounding Vancouver islands.


Richmond BC Living Benefits Insurance zoom
Richmond BC Living Benefits Insurannce phone

A Zoom session or a phone call is all that is needed. We can also meet in person provided you reside in Lower Mainland and according to your preference.

Our parent company is the largest provider of supplemental health insurance protection in North America since the early 1920s.

We protect your family and ensure there are no gaps in your coverage by doing a free comprehensive needs analysis and providing the best and most valued coverage within your budget.

We provide the following policies:

Accident Insurance, Sickness Insurance, Critical Illness, Cancer, Term Life, Disability and Income Protection Insurance.



We need more than just life insurance

Richmond BC Living Benefits Insurance morgue

Most people have life insurance which pays a lump sum upon death.

That is a good insurance to have but this insurance only pays your family upon your death.

It is not enough to protect you if you became sick or got into an accident and need time away from work to recover at home or in the hospital.


Accidents do happen unexpectedly!

Richmond BC Living Benefits Insurance contractor

When you cannot work, you do not earn income but your bills eg. phone, car insurance, car payments, mortgage payments, rent, feeding your family still continues. These bills don’t stop.

Our policies can help you pay all these bills and then some and give you peace of mind so you can recover fully from your injury or sickness before going back to work.


Take a short quiz to find out what you lack.

It can be hard to determine your needs and difficult to distinguish between the different types of insurance policies available today.

Question 1. If you die today, will your family be able to maintain their standard of living? A ‘NO’ puts your family at risk!

Question 2. If you had cancer or critical illness, do you have 6 months emergency cash to help you cover the cost of the non-medical expenses? A ‘NO’ means you need Critical Illness insurance!

Question 3. Are you in a physically demanding occupation or hobby? Yes puts you at risk.

Question 4. Are you in a desk bound job? A yes means you are suited for a different type of insurance.

Question 5. Are you self-employed or the major income earner in your family? A yes puts you and your family at risk!



Here are some frequently asked questions

Question 1…Is it costly to insure my whole family?

Richmond bc living benefits insurance dollar
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No, the family price is about the price of 2 individuals. Children will be covered for free from birth to 17 years of age for most of our policies.

Question 2…I can’t afford it

Richmond bc living benefits insurance coffee

…Well, most policies are less than the price of a regular coffee a day. Save the coffee and protect your family and yourself.

Most people spend more for their car insurance than on insurance for themselves

A buck or two a day will not make us poor but thousands per day or per week continuously will drain our financial resources meant for our retirement.

You are the most valuable asset in the family. So love yourself and do the right thing.


Question 3…I would like to think about it

richmond bc living benefits insurance house on fire
“5:27am, 2-1/2 story wood frame with heavy fire showing on floor number 3. Beverly, Massachusetts, USA.”

…. you can only buy insurance when you are HEALTHY. A good example is a house on fire, you cannot buy fire insurance but you can certainly buy other types of insurance eg. car insurance.

Insurance is a NEED and not a WANT. We can wait till we are hungry before we eat, till it rains before we buy an umbrella, till it snows before we put snow tires

… but the only time we can buy insurance is when we qualify for it

…I have seen people lose their homes or suffer financial ruin because they don’t have insurance.

So, the only time to buy insurance is when you qualify for it.

Question 4…I have a group plan

…Most group plans cover you for dental and prescriptions but they dont pay you cash for your monthly bills if you are unable to work due to sickness or injury.

richmond bc living benefits insurance worksafe

…WCB does not pay you in full.

…Most Canadians live from paycheck to paycheck and if our pay were to drop from 100% to 60%, that is a big reduction and families may have to dig into their hard earned savings or incur credit card debts.

Question 5…Can I get insurance if I already have cancer or some other illness?

Most of our policies cover you with existing conditions after 2 years subject to approval.

Question 6…Can I get insurance if I have a risky hobby e.g. scuba-diving, bungee jumping, car racing or just a risky occupation, contractors?

Richmond bc living benefits insurance bungee
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Yes, we cover these as well.

Question 7…I am already 65 years old. No company will sell me any insurance.

richmond bc living benefits insurance 65
Birthday candles celebrating 65th birthday

….. As long as you are below 71 today, you can still buy most of our policies and our policies terminate at age 85 or for a lifetime.

Question 8…Can I claim multiple times?

Yes, of course

So, don’t delay. Give us a call today or book a time slot on our calendar.

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