Life & Health Insurance

Ensure What Matters Is Insured for the Future

Having the right insurance protection can make a big difference in your life and the lives of those close to you. A properly constructed insurance plan can mean the difference between leaving your family financially secure or with unwanted debt that may last for years.

Ask the Right Questions

Some of the most common questions clients ask about insurance protection include:

  • What kind of insurance do I need?
  • Why do I need life insurance in addition to what I already have in place at work or with another financial institution?
  • How much do I really need?

Choosing a Solution

Our lives change over time and so does our need for insurance. Whether you have a young family, are starting a new career, getting your first mortgage, or want to leave a legacy to your family, an Insurance Consultant can help you choose a solution that’s right for you.

Reviewing your insurance plan with a professional at least every 2 years or whenever you experience a major life event, may not only save you money but will protect your assets and family from financial hardship when it is needed the most!

Life insurance can protect the financial security of the people you love by providing a tax-free payment to your beneficiaries. The amount of coverage you choose and type of insurance you buy should be based on your circumstances and needs.

While you may have basic life insurance through work, the coverage may not meet your needs and typically ends when you leave your employer. The cost of individually purchased life insurance depends on your age, gender, health, medical history and lifestyle.

Would your loved ones be financially impacted if something happened to you? If the answer is yes, then you should consider how life insurance can give them the protection they need.

One of our experienced and knowledgeable Personal Insurance Consultants can work with you to determine the right type of coverage for your needs and provide you with a quote.

Contact us today for more information on life insurance.

For many people, losing just one pay cheque can be difficult, but when accident or illness keeps you from working for an extended period of time, difficulty can turn into disaster.

Without short term disability insurance or coverage for a critical illness, families can be forced to cut back on even the basics, like food, clothing, transportation and housing.

While the timing is out of your control, you can control how this affects your family financially.

We believe everyone should have the opportunity to obtain a supplemental health insurance policy to help fill the gaps and help cover the costs related to recovery from major illnesses or injuries that are not covered by other insurance.

Contact us today for more information on insurance for accidents and sicknesses.


Flexcare is flexible and affordable. Looking for health insurance to cover prescription drugs, dental care, extended health care or a combination of all three? Flexcare gives you a variety of plans to choose from, each offering varying levels of protection, so you’ll pay only for the coverage you really want and need. Age 65 or older? Recognizing that you may have special health priorities, Flexcare adjusts coverage in certain areas to better meet your specific health care needs.

FollowMe Health

FollowMe Health is specifically designed for those whose employee health benefits are ending, who are concerned that their age or health issues may make it difficult to obtain affordable health and dental insurance. FollowMe Health gives you four distinct levels of individual insurance to choose from. That way you can select the one that best suits your needs and budget. Apply within 60 days of your health benefits at work ending and no medical questionnaire is required. Your acceptance is guaranteed.

Contact us today for more information on health and dental insurance.

Accidents can happen anywhere. When you travel outside BC, protect yourself from the risk of having to pay crippling medical costs with Travel Medical Insurance from Coastal Community. If you’re heading off on a vacation or making a quick business trip, we offer comprehensive travel insurance that will cover what your provincial plan won’t.

Our Travel Medical Insurance Covers

  • Hospitalization
  • Emergency medical treatment
  • Local air, land or sea ambulance service to the nearest hospital
  • Medical services such as physiotherapist or chiropractor
  • Requisitioned lab tests, X-rays and prescribed drugs
  • Equipment rental, such as crutches, wheelchairs and braces
  • Out of pocket expenses
  • Return of your vehicle or watercraft if a covered injury or sickness prevents you from driving it home
  • Coverage also available for visitors to Canada


  • Annual multi trip or single trip plans
  • Travel covered within Canada or around the world
  • Family and individual rates
  • 24/7 toll free, multilingual assistance
  • Trip Cancellation/Trip Interruption
  • Competitive coverage for pre-existing conditions

For more information, call or visit any Coastal Community Insurance Agency* or buy online today.

Contact us today for more information on travel medical insurance.