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major BC city markets served
British Columbia families
Critical Illness Insurance in British Columbia
Protect your household finances during a serious diagnosis with critical illness coverage built for families across British Columbia.
- Lump-sum benefit for BC residents on covered diagnosis
- Coverage sized to Metro Vancouver's cost of living
- Local support across Surrey, Burnaby, Richmond, and Kelowna
Licensed & regulatedEvery recommendation comes from a licensed Canadian advisor.
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covered conditions available to BC clients
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advisor support rating
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claim submission support success
Coverage and strategy
Built for real decisions, not generic checklists.
Each recommendation is customized to your goals, eligibility profile, and budget priorities.
Metro Vancouver coverage
Critical illness planning for Vancouver, Surrey, Burnaby, and Richmond households.
Kelowna and regional support
Coverage guidance for families in Kelowna, Victoria, Abbotsford, and growth markets across BC.
Cost-of-living-aware benefit sizing
We size benefit amounts against BC's higher housing and living costs.
Pairs with life and disability coverage
Bundle critical illness with life or disability insurance for broader protection.
Reputation and reliability
Professional guidance for BC households
Families trust Smile Insurance for clear recommendations, careful reviews, and consistent service year after year.
Transparent recommendations
We explain condition lists and benefit trade-offs clearly before you decide.
Major city presence
Supporting clients in Vancouver, Surrey, Burnaby, Richmond, Kelowna, Victoria, and Abbotsford.
Health-history matching
Coverage selection reflects your family's real risk factors, not generic defaults.
Long-term support
From application to claim, our team stays involved at every stage.
How it works
Clear steps from first call to active coverage.
Discovery call
We understand your profile, priorities, and risk tolerance before recommending any product.
Market comparison
We compare options across insurers and explain trade-offs in plain language.
Application support
From forms to underwriting notes, we help you submit accurate details quickly.
Ongoing reviews
We revisit your policy each year to keep coverage aligned with life changes and budget.
Common questions
Answers before you apply.
Premiums depend on age, health, and coverage amount, not region — but we size benefit amounts to BC's typical costs.
No. We support families across BC including Surrey, Burnaby, Richmond, and Kelowna.
Yes. Many BC clients pair both for complete financial protection.