What is Life Insurance?

Life Insurance protects your family financially after you pass away, meaning a financial shelter for your loved ones. As a policyholder, you make regular premium payments to the life insurance company, and in exchange, the company pays a death benefit to your beneficiaries when you die. Let us help you decide which insurance policy best suits your needs.

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Types of Life Insurance

Several Life Insurance options are available, and each policy is unique and can be tailored to fit individual needs and budget. Here are the four most common types of Life Insurance:

Term Life

Term life insurance guarantees payment of a stated death benefit and the premium is guaranteed for the specified term.

Permanent Life

A permanent life insurance provides coverage for your entire lifespan, as long as the premiums are paid. Premiums are guaranteed for life or can be paid off early.

Life Insurance

A participating life insurance is a contract that pays dividends and builds cash values for the policyholder.

Universal Life

A universal life insurance lasts your entire life. It can have various investment options.


When do you Need Life
Insurance Plan?

Life is unpredictable, and getting Life Insurance is very important in certain circumstances. If someone depends on your income, meaning your children, parents, or spouse, the policy will give you peace of mind. You know your family will be able to put food on the table and pay the mortgage in case or your death.


How Can Life Smart Insurance Help You?

Being independent broker allows us to shop the market to find the best plans that fit your need and budget.

We only work with an appointment. Book An Appointment

Maximum Coverage

Our skilled professionals provide clients with maximum coverage at a competitive price.


Variety of Insurance Plans

Our committed team of experts offers an array of insurance options to fulfill your requirements and guard your family’s future.



We take the time to educate you about the variety of plans and structures. We also help you look at your long term and short term needs. Then we help you decide the options that fit your circumstances.


Get In Touch With Us!

At LifeSmart Insurance, we understand your situation and we can help you chose the best policy that works for you and your family. Do you want our experts to provide you with maximum coverage? What are you waiting for? Get ready for the best results because together, we'll create a better tomorrow for your loved ones!

Call us now to schedule an appointment. We can meet with you anywhere in Greater Vancouver while following the COVID -19 safety regulations OR we are ready to meet with you over the internet with the Zoom meeting platform. We can provide our services over the internet anywhere in BC and Alberta.

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