Disability Insurance
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Insurance services for you, your family and your business needs.

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What we offer at a glance

Buying or selling a business

Disability Buy-Out Insurance

What is Disability Buy-out Insurance? If a business partner becomes disabled and is unable to continue working, it can cause a major financial strain on the company. Formal disability buy-out agreements... Learn More
Group insurance policy

Group Insurance

A Compelling Group Benefits Package is Key to Attracting and Retaining Quality People Whether you're a small business owner or responsible for a large organization, one of the best ways to... Learn More
Business Overhead Expense

Business Overhead Expense Insurance

Ensure your business can always pay the bills You make a significant contribution to the health and ongoing operations of your business; perhaps your partners do, too. In fact, it’s so... Learn More
Disability income protection

Disability Income Protection Insurance

When you protect your income, you can help protect your lifestyle. If you lost your ability to earn an income, you also risk losing the lifestyle you’ve created for yourself and... Learn More
A smiling barista

Tax-Free Savings Account (TFSA)

What is a TFSA? A Tax-Free Savings Account (TFSA) is an account available to Canadian residents who are 18 years of age or older, in which they can deposit, save, invest,... Learn More
Payout Annuities RIF

Payout Annuities / RIF

Get guaranteed income for life You’ve worked hard and saved hard so you can live the retirement of your dreams. In today’s uncertain market environment, Payout Annuities provide you with guaranteed... Learn More

Latest Articles

I’m only 28 years old and I never get sick. Why would I buy insurance now?

A couple riding bikes through a field

In the years I’ve been working as an insurance advisor, I have helped clients work through hundreds of questions about their insurance needs.  But one of the most common questions I get is “I’m only 28 years old and I never get sick.  Why would I buy insurance now?” Actually, this is the best time…

What is Critical Illness Insurance?

A man in hospital with a critical illness

This is a pretty common question I get from clients.  Many assume it is like the long term or short term disability plans they may be offered through their employer. In fact, critical illness insurance is quite different, although the critical illness plans work well with long term disability benefits.  Most commonly, critical illness insurance…

Don’t Cancel Your Life Insurance

Young family smiling

It is totally fair to compare market rates and life insurance policies to ensure you are not only getting the best rate, but also the best coverage. However, it is crucial to not cancel your life insurance plan until you have another plan fully lined up and paid for. The last thing you want is…

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Testimonials

Royale British Columbia Financial Inc was able to clearly explain how critical illness insurance, combined with a universal life plan, not only helps provide for my family in case something happens to me, but also serves as an investment for the future. I didn’t really want to think about this stuff before, but Royale Financial worked closely with me to sort out the best options for my family.
- Michael -