About Us

Richmond BC Living Benefits Insurance is an insurance company located in Richmond. We serve residents in Richmond, Vancouver, Burnaby, New Westminster and surrounding cities.

In fact, we are able to service any residents residing in the province of BC including Vancouver Islands.

Due to the pandemic, we are now able to conduct our business via Zoom or telephone.

We are backed by a company with nearly a century of success.

Hospital Accident Insurance

This is an insurance policy that pays cash directly to you to help pay out-of-pocket costs when an accident strikes.

Injuries are a leading cause of death for people under the age of 45, and for every fatal injury there are 142 non-fatal injuries that require an emergency room visit or hospitalization.

For contractors and workers in physically demanding jobs…you may not be getting all the health coverage you need. You cannot prevent the unexpected, but you can be prepared.

This policy pays up to $9,000 a month, starting with the very first day you are hospitalized due to an accident or sickness and pays a recovery benefit following hospitalizations for a minimum of 10 days.

Protects you from any accident whether in a car, bus, taxi, truck, train, motorcyle, boat, ATV, or nay recreational vehicle, hunting, fishing or participating in any sport or recreational activity.

Benefits include daily hospital confinement, daily intensive care, ambulance reimbursement, recovery benefit following hospital confinement, recovery benefit following outpatient surgery or fracture.

This policy is renewable till age 85, multiple claims allowed and available to anyone aged 70 and below.

Hospital Sickness Insurance

This policy pays cash directly to you to help pay out-of-pocket costs when you face an unexpected accident or sickness.

This policy pay up to $9,000 a month, starting with the very first day you are hospitalized due to a sickness and pays a recovery benefit following hospitalizations for a minimum of 10 days.

Protects you from any sickness. Pre-existing conditions are also covered after 24 months subject to certain conditions.

Protects you 24 hours a day, 7 days a week, 365 days a year. Benefits include daily hospital confinement, daily intensive care, ambulance reimbursement, recovery benefit following hospital confinement or outpatient surgery.

Outpatient Accident Insurance

This is an insurance policy that pays cash directly to you to help pay out-of-pocket costs when an accident strikes and you require outpatient surgery or treatment.

This policy pays up to $4,000 per year, $1,000 per surgery to a maximum of 4 outpatient surgeries per year.

Pays up to $800 per accident for up to 20 prescribed rehabilitative treatments e.g. physical therapy. Pays up to $200 for prescribed medical appliances.

Protects you from any accident whether in a motorcyle, boat, ATV, or any recreational vehicle, hunting, fishing or participating in any sport or recreational activity, fire or smoke inhalation.

Protects you 24 hours a day, 7 days a week, 365 days a year. This policy is renewable till age 85, multiple claims allowed and available to anyone aged 70 and below.

Outpatient Sickness Insurance

This is an insurance policy that pays cash directly to you to help pay out-of-pocket costs when you suffer a sickness and require outpatient surgery or treatments.

This policy pays up to $4,000 per year, $1,000 per surgery to a maximum of 4 outpatient surgeries per year.

Pays up to $800 per sickness for up to 20 prescribed rehabilitative treatments e.g. physical therapy. Pays up to $200 for prescribed medical appliances.

Protects you 24 hours a day, 7 days a week, 365 days a year. This policy is renewable till age 85, multiple claims allowed and available to anyone aged 70 and below.

Accidental Death Insurance

This policy pays you a lump sum directly to you or your loved ones if you suffer an untimely death or are seriously injured in an accident.

Covers you in four important ways; accidental death by common carrier, accidental death by all other causes, single dismemberment and multiple dismemberment

Maximum coverage is $400,000. Family coverage is available. Renewable till age 85. Available to anyone aged 70 and below.

Critical Illness Insurance

This policy pays a lump sum directly to you to cover out-of-pocket expenses so you can focus on recovery after a major illness strikes.

Coverages range from 10K, 15K, 25K, 50K to 100K. Covers 3 conditions (heart attack, cancer, stroke), 18 or 21 conditions. Includes Best Doctors Services.

Pre-existing condition of 24 months and waiting period applies. Policy terminates after full benefits are paid for a covered loss.

One in two Canadians is expected to be diagnosed with cancer in their lifetime. There is one stroke every ten minutes, one heart attack every seven minutes and one cardiac arrest every twelve minutes.

Cancer Care Insurance

This policy pays a daily cash benefit while hospitalized and also a daily recovery benefit after hospitalization.

Allows multiple claims. Children below 17 are covered in a family plan till age 22.

Term Life Insurance

This policy pays a lump sum upon death.

This lump sum can be used to pay for funeral costs, take care of unpaid medical bills, pay off loans or credit cards, pay the mortgage or rent for a period of time or replace some lost income.

Disability Insurance for Accident and/or Sickness

This policy pays up to $2,000 per month, starting the first day you can’t work when an accident or sickness prevents you from working.

Income Protection Insurance

This policy pays cash up to $5,000 per month for up to 5 full years when you are sick or hurt and cannot work.