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What we offer at a glance

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Whole Life Insurance

What is Whole Life Insurance? Permanent life insurance plans are life insurance plans in which the coverage remains constant until death, regardless of age. Many permanent plans are designed to grow cash... Learn More
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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
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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
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
Estate planning

Estate Planning

Using segregated funds to protect the value of your estate Your estate is the sum of your lifetime of hard work, smart investing and sensible financial planning. It is your greatest... 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

Latest Articles

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

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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 a pleasure to work with Royale British Columbia Financial. I’m a government employee and he helped explain how I qualified for a special tax free pension plan which I wasn’t aware of before we met. I feel much more confident heading into retirement with this unique solution.
- Sheryl -