Health & Dental Insurance Online

Now you can buy individual and family health and dental insurance directly online:

For Manulife FlexCare and FollowMe plans click HERE 

For Sun Life HCC conversion health plans click HERE

For Sun Life PHI personal health plans click HERE


What type of coverage do you most need help with?
Life / Mortgage Insurance
Disability Insurance
Employee Health & Dental Benefits
Critical Illness Insurance
Personal Health Trust/PHSP
Total votes: 266

Client Login

Mortgage Insurance

 Just bought a home or renewed your mortgage? You've probably given a lot of thought about how to provide for your loved ones with the right insurance.

If you want to protect your family with life or critical illness insurance, make sure it’s with an individual policy and not through the bank. Here’s why:

#1. The right to choose your own beneficiary; with bank insurance, the bank is the beneficiary.

#2. Coverage is portable and you are the owner. If you move, your insurance moves with you, and there's no need to reapply.

#3. Lock in your rates with guaranteed pricing and coverage. With a bank plan, your coverage and rates may not be guaranteed.

We're often able to save our clients money, usually between 10% and 30%, over their bank insurance with individual life, disability and critical illness coverage.

Every client receives a customized insurance needs analysis report that gives a personalized picture of what type and how much coverage they need. Our recommendations are prepared based on a full market survey of top Canadian carrier rates and products. We shop the market on your behalf.

Please give us a call at 604.872.2866 or email for more information.  You can also get started right away by requesting a quote here.

Benefits Plans

True Benefits can help you find the best employee benefits plan.

We have access to over 25 insurers.

Clients Say:

"Rachel is professional, courteous and very knowledgeable while providing outstanding customer service. She is well prepared, delivers personal service, and understands our desire to provide the best possible benefit plan to our employees in the most cost effective manner."

Anne, HR Manager

"I appreciate having a person who is both local and accessible, and was impressed with the initial presentation outlining the options available to us. It is extremely helpful to have Rachel advocating on our behalf."

Sarah, Business Owner

"True Benefits has totally met our needs. Rachel gives personalized attention, and is very thorough. She has suggested many good ideas that we have used to benefit our employees."

Vicki, Controller

"I have referred many clients to Rachel in the past, and without exception, they have all commented to me on her professionalism, vast industry knowledge, great service, and fast response time."


Thank you for everything that you have done for our family. We are grateful for all your hard work. We look forward to working with you again in the future.


"True Benefits has an understanding and awareness of the importance of an effective benefits program. They're proactive in looking for cost effective improvements to plan design and cost containment strategies. My expectations were exceeded - Rachel delivered as promised in a timely manner."

Norrey, CFO

"Thank you Rachel. Great service as always. You anticipated our needs."

Pam, HR Director

I used True Benefits to sort through a tricky health insurance issue related to immigration status and an expired work permit.  Rachel recommended a cost effective solution and quickly verified the policy was the best choice for my situation.  My new health coverage was effective within 2 hours of my initial call to Rachel!  I highly recommend working with Rachel at True Benefits for cost effective solutions and friendly and efficient service.


Your attention to detail and willingness to never to never take "no" for an answer on my behalf left me in awe of your business ethics.

I will continue to use your services, based on your work ethic and my ability to trust that the policy you are suggesting is perfect for me.