Business Details
Your Trusted Partner for Comprehensive Insurance Solutions
At Brian So Insurance, we are dedicated to protecting the livelihood and financial wellbeing of Canadian families through education, planning, and a diverse suite of insurance products. Our mission is to empower Canadians with the knowledge and confidence to make informed decisions about life insurance, ensuring their families are financially secure in the face of unexpected challenges. With a focus on modernizing the insurance purchasing process, we provide comprehensive guides, digital tools, and streamlined electronic applications to simplify and personalize the experience. Our fiduciary duty ensures we prioritize your needs, offering transparent processes and tailored solutions that align with your unique financial goals and budget.Representing over a dozen insurance companies, we leverage our industry expertise and commitment to continuous support to help clients navigate complex insurance needs, from term and permanent life policies to disability and critical illness coverage. Our promise extends beyond policy implementation, as we remain dedicated to reviewing and adapting your coverage as your life evolves, ensuring long-term financial protection for generations to come.
Services
Term Life Insurance
Permanent Life Insurance
No Medical Life Insurance
Disability Insurance
Critical Illness Insurance
Long-Term Care Insurance
Health Insurance
Highlights and features
- We offer personalized insurance solutions tailored to your unique financial situation.
- Our access to multiple insurance carriers ensures competitive rates and customized coverage.
- We uphold a fiduciary duty to prioritize your needs over commission-driven sales.
- Our transparent process explains policy details in clear, non-technical language.
- We provide ongoing policy reviews to adapt coverage as your life circumstances change.
What people say
Professional and thorough
Personalized insurance solutions
Transparent process explained clearly
Ongoing policy support
Helped with complex cases
Services
Term Life Insurance
Term life insurance provides cost-effective financial protection for your family during critical life stages. This policy pays a tax-free death benefit to beneficiaries if you pass away during the specified term, ensuring mortgage payments, childcare costs, or other financial obligations are covered. Ideal for young families or those with temporary needs, it offers guaranteed premiums and flexible term lengths from 10 to 30 years, with options to convert to permanent coverage as circumstances evolve.
Permanent Life Insurance
Permanent life insurance guarantees lifelong protection with cash value accumulation that grows tax-sheltered. Designed for long-term financial planning, it ensures beneficiaries receive a death benefit regardless of when you pass away, while allowing policyholders to access cash value for retirement income or estate planning. Suitable for covering final expenses, supplementing retirement savings, or creating charitable legacies, it includes whole life, term-to-100, and universal life options with customizable premium structures.
Disability Insurance
Disability insurance replaces a portion of your income if you're unable to work due to injury or illness. Providing tax-free monthly benefits up to age 65, it safeguards your ability to meet mortgage payments, medical bills, and daily living expenses during prolonged disabilities. Customizable features include benefit periods, waiting periods, and riders for partial disability or future income increases, ensuring tailored protection for self-employed individuals and professionals across various industries.
Critical Illness Insurance
Critical illness insurance delivers a one-time tax-free payout upon diagnosis of 25 covered conditions, including cancer, heart attack, and stroke. This financial safety net helps cover treatment costs, travel expenses, or lost income during recovery periods. Policies offer flexible coverage amounts and can be combined with life insurance for comprehensive protection, providing peace of mind for individuals seeking to mitigate the financial impact of serious health events.
Health Insurance
Health insurance reimburses expenses for prescription drugs, dental care, and paramedical services like physiotherapy or chiropractic treatments. Particularly valuable for self-employed individuals and contractors without employer benefits, it offers customizable plans with varying coverage levels. Policies provide financial security for routine healthcare needs and unexpected medical costs, ensuring access to quality care without compromising personal finances.
People
Brian So
Insurance Advisor
Brian So is an independent insurance broker dedicated to helping Canadians secure tailored life and disability coverage. With expertise in navigating complex underwriting requirements, he represents multiple insurers to find optimal solutions for clients ranging from young families to seniors. His client-first approach emphasizes transparency, fiduciary responsibility, and ongoing policy management to ensure long-term financial protection.
Questions
What types of life insurance do you offer?
We provide term life, permanent life (whole life, term-to-100, universal life), and no-medical life insurance policies tailored to your financial goals and health profile.
How quickly can I get an insurance quote?
Request a free quote online and receive instant term or permanent life insurance estimates, with personalized consultations available within 24 hours.
Do you help clients with pre-existing medical conditions?
Yes, we specialize in placing clients with complex medical histories, including options like no-medical and guaranteed issue policies.
Can I customize my disability insurance policy?
Yes, we offer customizable disability coverage with options for benefit periods, waiting periods, and riders like partial disability protection.
What areas do you serve?
We serve clients across British Columbia, Alberta, and Ontario, providing nationwide insurance solutions for Canadian residents.
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