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Life Insurance

Term Life Insurance

Term life insurance is the simplest, most affordable policy. It covers you for a period of time-typically between 10 and 30 years- and you pay an affordable premium for coverage. Most term policies can be converted to whole life policies in the future.

Whole Life Insurance

Protect your family and build cash value with a whole life insurance policy. These permanent policies build cash over time. As long as your premiums remain current, these policies last for the life of the policyholder.

Universal Life Insurance

Universal life insurance is another type of permanent life insurance. Our policies cover you for the duration of your life as long as you pay the premiums and fulfill all requirements of maintaining your coverage.

Mortgage Protection

Our mortgage protection policies are designed to pay off your mortgage if you pass away unexpectedly.

Critical Illness Insurance

An insurance policy for critical illnesses protects the insured from fatal critical illnesses like cancer, heart attacks, renal failure, etc.

Disability Insurance

Disability insurance is a type of insurance plan product that affords income in the event that a policyholder is prevent from working and earning an profits due to a disability.

Key Person & Group life Insurance

Key person protection is extra security as well as disease protection on a vital representative of a business. Group life insurance plan is provided by means of an corporation or different large-scale entity such an affiliation or labor organization to its employees or members.

Health & Dental Insurance

Health and dental insurance can significantly minimize your out-of-pocket expenses for prescription drugs, vision care, registered therapists like chiropractors, as well as visits to the dentist for preventive and corrective dental treatments.

Find Affordable Life Insurance Rates Based On These Factors

At AMC Insurance, we value our clients and work hard to provide affordable rates to protect the life you’ve built. Before you start shopping for life insurance policies, explore the following factors that determine coverage costs:


Age is one of the most prominent factors considered when determining premium rates. Your insurance policy costs are based on your current age when you open your policy.


It should be no surprise that insurance companies take a hard look at your current health and history before offering you a policy. Some current or previous conditions can raise your premium rates.

Family History

While your current health and health history hold more weight than your family history, this is also considered when determining premium rates.


Insurance companies also take your occupation into consideration when determining rates. Your premiums may be higher if you have riskier occupations like loggers, pilots, and roofers.


High-risk hobbies could also lead to higher premiums. So, if you spend your free time skydiving or have a passion for racing cars, you may want to discuss your hobbies with our insurance agents before you start shopping.

Policy Type

The specifics of the policy you choose is another factor that affects your life insurance premiums. Policies for larger benefit amounts over longer terms are typically more expensive. There are also differences in rates between whole and term life policies.
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Shop Our Life Insurance Policies With Our Specialized Insurance Brokers

For many, buying life insurance is a tough and complicated process, and it’s okay to feel overwhelmed when looking for the right policy. Take your time when considering how much life insurance is necessary for you and which policy is best for your family.

BC life insurance policies cover many different scenarios that you may or may not be interested in, so it’s crucial to review your options carefully with someone who knows life insurance in British Columbia extensively. At AMC Insurance, our brokers can help you find the right policy for your unique needs.

Choose AMC Insurance Broker for Your Life Insurance

If you’re still on the fence about whether to buy life insurance, you’re not alone. We know it’s not an easy decision to make. That’s why we work hard to be the insurance company you can trust to find the right protection for your needs. Our team offers the following advantages when working with you to find the right policy:


Our agents have extensive experience working with individuals and families across all industries to provide the right coverage for your protection.


We’re committed to finding you the most affordable rates and work hard to ensure you get the coverage you need at a price you can afford.


At AMC, we understand how much your assets mean to you and how hard you’ve worked to build a life for your family. Our policies protect you financially and give you the peace of mind you deserve.

Life Insurance FAQ

How Long Do I Need to Pay for Life Insurance?
Depending on your policy type, you may pay insurance premiums for the rest of your life or a set period of time. Term policies only last a set period, such as 10, 20, or 30 years. On the other hand, whole life insurance plans may require you to pay premiums later into life to keep the value of your policy.
Every policy is unique. Therefore, life insurance rates vary from one individual to the next. Premium rates depend on your policy type and additional factors such as age, health, and occupation. Talk to your insurance broker to find a policy that works well for your needs.

While holding a life insurance policy isn’t mandatory, it is a good idea if you have financial assets. Life insurance policies allow your family to maintain their current lifestyle in the unfortunate event of your passing. They can cover burial costs, mortgage payments, and other expenses while your family grieves your loss.

No. Mortgage protection is typically offered as a separate policy. However, many insurance companies offer discounts for bundling policies. Talk to one of our friendly agents to find the best fit for your needs.

Life Insurance Company

  • Protects your family
  • Controlled by you
  • Fully portable – transferable to any house
  • Fully portable – transferable to any house
  • Allows shopping for better interest rates when mortgage renews
  • Choice of life insurance plans and benefits
  • Choice of amount of life insurance coverage and face amount does not decrease as the mortgage is reduced
  • Coverage is convertible and renewable
  • Expert advice – You deal with a professional insurance adviser about life insurance and all insurance coverage can be through one broker


Bank (Mortgage Insurance)

  • Protects the bank
  • Controlled by the bank
  • Runs out when house is sold or traded
  • Inflexible – the mortgage must be paid off regardless of interest rates and other investment opportunities
  • No shopping – unless you are willing to pay higher premium and are insurable
  • Limited choices
  • Coverage must be equal to the mortgage amount and decreases as the mortgage is reduced (the premium does not!)
  • Non-convertible
  • A missed mortgage payment often means lost coverage

Ready To Protect Your Family With Affordable Insurance Coverage?

Get started today! Our agents are waiting to help you explore your insurance coverage options.
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