Business Details
50+ Years
experience
Affordable Life Insurance Solutions in Canada
Serenia Life Financial has been a trusted name in life insurance and financial solutions for nearly a century. Rooted in Canadian values, we specialize in providing affordable life insurance policies tailored to individual needs, from term life coverage to whole life investments. Our commitment extends beyond financial protection, offering unique member benefits that empower families, support communities, and foster generosity. With a focus on transparency and personalized guidance, we help clients navigate lifes uncertainties while building a legacy of kindness and security. 
Services
Term Life Insurance
Whole Life Insurance
Term to 100 Insurance
Child Life Insurance
Joint Life Insurance
20-Pay Whole Life
Life Insurance Calculator
Bereavement Counselling
Member Benefits Program
Policy Customization
Details
- Year established: 1925
Highlights and features
- We offer guaranteed life insurance policies with cash-value growth potential.
- Our member benefits include $1,000 post-secondary scholarships and $500 monthly bereavement support.
- We provide personalized guidance through every life stage, from newborns to retirees.
- Our 20-pay whole life policies ensure lifelong coverage with payments that stop at age 20.
- We combine 100 years of Canadian insurance experience with community-focused initiatives.
What people say
Exceptional customer service
Honest recommendations
Generous member benefits
Professional advisors
Affordable rates
Services
Term Life Insurance
Term life insurance provides temporary financial protection for short-term needs like mortgages or loans. This policy guarantees a death benefit for beneficiaries while offering flexibility to renew or convert to permanent coverage. Ideal for budget-conscious individuals seeking straightforward protection with locked-in premiums for terms of 10, 20, or 30 years.
Whole Life Insurance
Whole life insurance offers lifelong coverage with guaranteed premiums and cash-value accumulation. Policyholders benefit from dividends that can enhance coverage or generate additional savings. This solution suits those seeking long-term financial security, estate planning tools, or a legacy-building investment that grows tax-deferred over decades.
Child Life Insurance
Child life insurance establishes lifelong coverage while building cash value for future needs. The Grow With Them Plan includes a $100 baby bonus, $1,000 post-secondary scholarship, and 20-pay options. It provides financial flexibility for milestones like education, homeownership, or retirement while ensuring guaranteed insurability regardless of future health changes.
Joint Life Insurance
Joint life insurance protects two individuals under a single policy, typically paying out upon the second death. Designed for couples or business partners, it simplifies estate planning and offers cost savings compared to separate policies. Ideal for legacy planning, mortgage protection, or ensuring financial continuity for surviving partners.
Term to 100 Insurance
Term to 100 insurance combines lifelong coverage with fixed premiums that never increase. Unlike traditional term policies, it guarantees protection until age 100 without cash-value components. This cost-effective solution suits individuals seeking permanent death benefit security for final expenses, inheritance planning, or charitable giving.
People
Oscar Halaguena
Insurance Advisor
Oscar Halaguena provides clear, jargon-free explanations of life insurance policies while prioritizing client needs. With a focus on long-term financial planning, he helps families secure customized protection without unnecessary add-ons.
Kortney Rand
Account Management Specialist
Kortney Rand delivers prompt technical support and policy management assistance. Her problem-solving approach ensures clients can focus on coverage details without administrative hurdles during enrollment or policy updates.
Questions
What life insurance options are available for young adults?
Serenia Life offers term life policies starting at $9/month for healthy young adults, with options to convert to permanent coverage as needs evolve.
How does child life insurance work?
Our Grow With Them Plan provides lifelong coverage starting from infancy, with cash value growth and benefits like the $1,000 scholarship and $100 baby bonus.
Can I customize my life insurance policy?
Yes, we offer optional benefits including disability protection, accidental death coverage, and child riders to tailor policies to individual circumstances.
What payment options are available?
Choose monthly, quarterly, or annual payments with automatic bank transfers. First-year premiums qualify for 25% discounts or up to $500 reductions.
Do you offer community benefits?
Our members access exclusive programs like fundraiser seed money, CPR training reimbursement, and $500 monthly bereavement support for qualifying families.
