Personal Insurance & Estate Planning
The coverage that protects your business is only half the picture. Your family, your home, your income, and what you leave behind matter just as much. We help BC individuals, families, and business owners put the right personal protection in place, then keep it current as life changes. We look at your real situation, lay out the options in plain language, and let you make the call.
Discover the BTN Difference
Carrier-Neutral Advice
We shop more than 20 carriers and recommend what fits your team, not who pays us the most.
Built for Value, Not Just Price
We design plans for the best long-term value and sustainability, not the cheapest premium this year.
We Stay With You
Ongoing plan reviews and plain-language support, so your benefits keep working as your team grows.
What We Cover
Life Insurance
Term or permanent, life insurance makes sure the people who depend on you are taken care of if you are gone. We help you figure out how much you actually need and which type fits your stage of life and your budget.
Disability & Income Protection
Your ability to earn an income is your most valuable asset. Disability coverage replaces part of your paycheque if illness or injury keeps you from working, so your obligations do not fall apart.
Critical Illness Insurance
A serious diagnosis brings enough stress without money worries on top. Critical illness coverage pays a tax-free lump sum on diagnosis, so you can focus on recovery instead of the bills.
Estate Planning
Good planning means more of what you built goes to the people and causes you care about, not to taxes and delays. We use insurance to cover final costs, equalize an estate, and pass on your legacy efficiently.
Mortgage & Debt Protection
Your mortgage and debts do not disappear if something happens to you. Coverage you own and control, often at a better rate than the bank’s, keeps your family in the home and off the hook for the balance.
Personal Health & Dental
No group plan? You still have options. Individual health and dental coverage fills the gap for the self-employed and retirees, covering prescriptions, dental, vision, and more.
Want to dig deeper?
Explore guides, videos, and calculators for each of these insurance types
Not Sure What You and Your Family Need?
Let’s talk it through. We will look at what you have, what you need, and what you don’t, and go from there. No pressure, no commitment.
Or call us directly: (604) 393-7790 | Toll-free: 1 (877) 793-7790