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

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Mortgage Insurance

What is Mortgage Insurance? Mortgage insurance is a monthly fee paid by mortgage-holders to protect themselves or their families in the event that the mortgage holder is unable to continue paying... Learn More
Long term care

Long Term Care

Help protect your future—and your financial independence. If you or a loved one ever needs long term care, the out-of-pocket expenses could easily total thousands of dollars. That's because provincial health... 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
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Segregated Funds

Segregated Funds – A Smart Retirement Solution & Investment Choice Do you like the feeling of knowing that your money is well invested and well protected? Segregated funds combine the growth... Learn More
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RESP

What is an RESP? A Registered Education Savings Plan (RESP) is an account for Canadian residents with children, grandchildren, or other qualifying beneficiaries to support and finance their post-secondary education. The primary... Learn More
Critical Illness Insurance

Critical Illness & Cancer Insurance

Why do you need critical illness insurance? While healthy lifestyle choices can be your best defense against some health risks, a critical illness such as cancer, stroke or heart disease can... 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

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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

It was the night before my trip to Maui and I realized when I was packing that I didn’t have my travel insurance lined up. I phoned Royale British Columbia Financial Inc and they were able to help me obtain the right insurance for my kids and I in just a few minutes. I couldn’t believe how fast Royale made it happen.
- Sarah -