Independent insurance advice · British Columbia
Life, critical illness and disability insurance from established Canadian insurers — selected with a licensed BC advisor who explains the contract, underwriting process and trade-offs.
Placing coverage with
The income triangle
Everything your family plans on — the mortgage, the schools, retirement — is funded by one thing: your income. It can stop three ways. Death is only the least likely of them.
A personally owned life policy can provide a stated death benefit to the named beneficiary, subject to the policy terms. Coverage can be designed around debts, dependants, income replacement and estate goals.
Critical illness insurance can provide a lump sum when a covered condition meets the policy definition and survival period. The benefit amount and covered conditions depend on the contract selected.
Disability insurance can replace part of eligible income while a covered disability prevents or limits work. Benefit maximums, occupation definitions, waiting periods and tax treatment vary.
A long illness or injury can interrupt income even when life insurance never pays. A complete review considers death, serious illness and disability separately.
See all three of your numbersCurated, not aggregated
Comparison tools can be useful for initial research, but a quote ranking alone does not explain contract wording, conversion options, underwriting fit or ownership. Group Shield provides one named BC advisor who is accountable for the recommendation and ongoing service.
How it works
Use the calculator above. It's anonymous — we designed it that way on purpose. If the numbers make sense to you, take the next step.
We confirm your situation, compare live rates across our carriers, and tell you plainly what to buy — and what not to. No pressure, no follow-up drip campaign.
Applications are electronic. Depending on carrier, age and amount, many clients are approved without medical exams. Your rate is then locked for the full term.
Radical transparency
Insurance compensation can be difficult to understand. This page explains the current fee and commission model before you contact us.
Group Shield Benefits does not currently charge a separate advice, application, setup or claim-support fee for the services described here. When a policy is placed, the insurer may pay first-year and renewal commissions, and compensation can vary by insurer and product. Your insurer determines the premium based on the product, coverage design and underwriting. Ask about compensation on any recommendation and review the advisor disclosure before proceeding.
Your advisor
Licensed insurance advisor · British Columbia
Every calculator, article and recommendation on this site comes from one accountable person — not a call centre. Michelle works with families, self-employed professionals and business owners across BC, placing life, critical illness and disability coverage with Sun Life, Canada Life, Manulife and Blue Cross. When you call, you get the person whose name is on the licence.
Built for how BC actually earns
A BC mortgage is not a normal mortgage. Your coverage math is different here, and bank mortgage insurance is usually the wrong answer.
No group benefits means no safety net. Disability and critical illness aren't optional when you are the payroll.
Your business is your biggest asset and your biggest liability. Insurance is how partnerships and successions survive bad news.
Straight answers
Pricing depends on the insurer, product, coverage design and underwriting class. Different channels may offer different products or carrier access. When comparing quotes, confirm that the insurer, product, term, amount, riders and underwriting assumptions are the same. Group Shield does not currently charge a separate advice fee.
It depends on age, amount, health history, product and insurer. Some applications are decided from the application and available data; others require a telephone interview, records, blood work or a paramedical visit. The insurer determines the requirements.
Workplace coverage can be valuable, but the amount, occupation definition, exclusions, conversion rights and portability vary by plan. Review the booklet and include workplace benefits in a broader needs analysis rather than assuming they are either sufficient or irrelevant.
Group Shield currently places coverage with Sun Life, Canada Life, Manulife and Blue Cross. That shelf is narrower than some large brokerages. Recommendations are compared within the available shelf, and product access and material limitations should be disclosed before you apply.
Critical illness coverage can pay a lump sum when a covered condition meets the policy definition and survival period. Disability coverage can pay a monthly benefit while you meet the policy’s disability definition. Benefit amounts, exclusions, tax treatment and payment periods vary.
Group Shield can help you obtain claim forms, organize required information and communicate with the insurer. The insurer evaluates the claim and decides eligibility under the issued contract.
No chatbots. One advisor.
Bring the numbers from the calculator. We'll turn them into exact quotes from Sun Life, Canada Life, Manulife and Blue Cross — and tell you honestly if you don't need everything you think you do.
Licensed in British Columbia · Compensation disclosed · No separate advice fee currently charged