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major BC city markets served
British Columbia professionals
Disability Insurance in British Columbia
Keep your household budget intact with disability coverage built for BC's self-employed, commission-based, and salaried workers.
- Income replacement coverage for BC residents
- 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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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
Disability insurance 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.
Self-employed protection
Coverage designed for BC's contractors, freelancers, and small business owners.
Cost-of-living-aware benefit sizing
We size income replacement to BC's higher housing and living costs.
Reputation and reliability
Professional guidance for BC households
Families and professionals trust Smile Insurance for clear recommendations and consistent service year after year.
Transparent recommendations
We explain own-occupation versus any-occupation coverage clearly before you decide.
Major city presence
Supporting clients in Vancouver, Surrey, Burnaby, Richmond, Kelowna, Victoria, and Abbotsford.
Occupation-specific guidance
Tailored recommendations for BC's tech, trades, and self-employed workers.
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.
Benefit amounts are based on your income and occupation, and we size recommendations with BC's typical costs in mind.
No. We support clients across BC including Surrey, Burnaby, Richmond, and Kelowna.
Yes. Many BC freelancers rely on individual disability coverage since they lack employer benefits.