Life insurance in British Columbia

Term life insurance in British Columbia, 100% online.

Compare leading Canadian insurers, lock in a price that never goes up, and apply from anywhere in British Columbia in about 20 minutes. No sales calls.

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★★★★★ 5.0 from 102 Google reviewsLicensed advisor in British Columbia
Parent holding a child above the clouds
Why term

The simplest way to protect the people who depend on you.

Term life pays your family a tax-free lump sum if you die during the term. It's built for the years when people rely on your income: the mortgage, the kids, the debts.

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Price locked for the term

10, 15, 20, 25 or 30 years. Your premium never goes up during the term.

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Usually a fraction of permanent

Term typically costs far less than whole or universal life for the same coverage.

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Renewable and convertible

Most plans can be renewed or converted to permanent coverage without new medical questions.

Climb or ski in British Columbia?

Mountain sports? Get the climber plan.

Squamish granite, Rogers Pass and Revelstoke touring, heli and cat skiing, and some of the best paragliding in the country. BC mountain athletes often hit exclusions on regular policies. The climber plan combines simplified-issue policies from up to 4 Canadian insurers: up to $2M, no climbing exclusion, no medical exam.

Start the 60-second check

We have covered BC clients since 2022.

Mortgage insurance from your lender

Covers the loan, not your family

  • ✕Pays the lender, not your family
  • ✕Coverage shrinks as you pay down the mortgage, but the price doesn't
  • ✕Often assessed only when you claim
  • ✕Ends if you move or switch lenders
Personal term life

Your policy, your beneficiaries

  • ✓Pays whoever you choose, for whatever they need
  • ✓Coverage stays level for the whole term
  • ✓Approved up front, so there are no surprises at claim time
  • ✓Stays with you when you move or refinance

Mortgage insurance vs term life, explained →

Coverage calculator

How much do you need?

Four numbers, one honest starting point.

Suggested coverage
$1,170,000
Income replacement$850,000
Debts to clear$420,000
Minus savings and existing cover−$100,000
Price this coverage →
How it works

From quote to policy in about a week.

1

Get your price

Instant quotes from our insurer panel in 2 minutes.

2

Apply online

A 20-minute application and health questionnaire. Talk to Philip only if you want to.

3

Get approved

Most approvals take days, not weeks. Your policy arrives by email.

Reviews

Families who skipped the sales pitch.

★★★★★I had good experience with Philip on getting my new insurance policy. Few time it was hard to reach him, but all other time he responded promptly. Overall the customer service was good.
HGHiren GadaGoogle review · July 2026
★★★★★Phillip was extremely helpful in getting me fit with the right travel insurance plan, and weighted options for the best prices. Stand up guy. Give him a ring!
BWBeau Williams-OrserGoogle review · June 2026
★★★★★This is big stuff, life insurance. After researching multiple brokers, and training as one myself!… I am SO GLAD I found the right people to work with. I straight up like Philip, of Affinity Life! We’ve had a few really great chats. I bought a policy from Affinity Life, instead if through the firm I was actually working with at the time! If that isn’t an endorsement, I don’t know what is. I’m grateful for all of it. I’m covered, my family is secure, and I still like the decisions I made several months ago. Thanks Philip and Affinity team !! -Kyle, 42, Vancouver
KWKyle WrightGoogle review · May 2026
★★★★★Philip was super easy to work with and the process was really smooth! All questions were answered and his communication was great!
ARAnna RGoogle review · May 2026
★★★★★Very impressed with the whole process from start to finish. Philip was very responsive and was able to provide great recommendations tailored to my personal situation and addressed all of my concerns. Highly recommend Affinity Life.
CMCayley MoffatGoogle review · January 2026
★★★★★Philip Setter has gone far and beyond to make sure I received the policy that fit my needs. He was honest and patient when explaining how all policies work. I recommend Affinity Life for your life insurance needs.
CBChad BrummundGoogle review · October 2025
★★★★★I had a great experience working with Philip for my Term Insurance. He was extremely knowledgeable, patient, and took the time to explain every detail clearly. His guidance helped me choose the right plan that fits my needs, and he made the whole process smooth and stress-free. I truly appreciate his professionalism and support throughout. Highly recommended!
MPMaharshi PatelGoogle review · July 2025
★★★★★I found Philip through one of his YouTube videos, and I’m so glad I did. Everything he said online — his professionalism, transparency, and clear explanations — was exactly what I experienced working with him in real life. From start to finish, the process of purchasing life insurance through Affinity Life was seamless and stress-free. Philip was incredibly knowledgeable and took the time to ensure I understood all of my options. No pressure, just honest advice. I felt confident every step of the way, and I truly appreciate the care and attention he put into helping me find the right policy. Highly recommend! — Mitchell Holmes
MHMitchell HolmesGoogle review · May 2025
★★★★★Philip Setter was an absolute treasure to work with! He was always an email or phone call away, to explain any questions along the way. Philip was clear, concise, and communicated to my partner and I throughout the process. Thank you so much again Philip! We appreciate your care and professionalism.
EHEvan HolmesGoogle review · May 2025
★★★★★Philip was a pleasure to deal with throughout the process of obtaining my life insurance policy. He was helpful with questions and communicated updates consistently. I'd definitely recommend watching his educational series on life insurance, which were super helpful in my process, and checking in with their options.
DCDavid CoteGoogle review · March 2025
★★★★★Working with Affinity Life was easy. Online quotes, good communication. I also appreciate all the content provided on YouTube!
CChrisGoogle review · January 2025
★★★★★Phil is great. In a business full of deceptive sales, he sets himself apart by providing very clear and concise insights so you’re able to make an informed decision
NANicholas AntonGoogle review · January 2025
★★★★★Phil was very easy to deal with, he provided educational resources for me to make the best choice for my family, gave me time to internalize the information and followed up in a non invasive manner. While doing so he ended up taking money out of his own pocket by changing my mind on the policy i thought i wanted. I will reach out to him with any and all future insurance needs. 10/10 would do again.
AOAlex OstapenkoGoogle review · November 2024
★★★★★I had the best experience getting insurance through Philip Setter. The entire process from start to finish was as seamless as it was effortless and I would use Affinity again! Huge thanks and 100% on customer service and support.
FPFather PikeGoogle review · October 2024
★★★★★Philip was fantastic. He helped guide us through every step and never made us feel like we asked a dumb question. Highly recommend!
JGJalyn GrahamGoogle review · October 2024
★★★★★Working with Phil has been such a great experience. He really took the time to understand what we wanted to do and want we want to continue doing. Phil's approach is clear, transparent, and never pushy, which we really appreciated. If you're looking for someone who always has you (and your business's) best interests at heart, we can't recommend Phil enough!
DFDonita FowlerGoogle review · September 2024
★★★★★There were a few small hiccups along the process, but the communication and quick resolutions made the process very easy.
DMDevon McKinstryGoogle review · August 2024
★★★★★Philip helped organise appropriate life insurance for my children, providing the education we needed to make an informed decision. Thanks
DDDanyel DegenhardtGoogle review · July 2024
★★★★★Phillip was super helpful at walking us through our old policies (that we wanted to replace) and provide a comparison with new policies that we felt more confident in. He very simply explained the pros and cons of both types of policies. Phillip is very knowledgeable and was easy to work with.
ACAshley CorrickGoogle review · July 2024
★★★★★I would recommend Affinity Life to purchase life insurance. In my experience I feel I’ve been able to obtain solid advice from Phillip. He is very quick to respond and is on top of things for you.
JVJorge VegaGoogle review · July 2024
★★★★★I discovered Philip on YouTube when looking for information about life insurance. He was a huge help. Listened to my specific need and found a policy I am happy with. 10 10 would recommend.
CSChris ShaddockGoogle review · July 2024
★★★★★Affinity Life has been excellent to work with. My husband first applied for insurance and after such a great experience we decided to apply for my insurance there as well. Highly recommended!
KIKatie IsaakGoogle review · April 2024
★★★★★Philip was a huge help in finding my partner and I a great life insurance policy. Very nice and professional to deal with and was always available for any questions or concerns we had during the process. Would definitely recommend affinity life.
ETElijah TrostGoogle review · February 2024
★★★★★Affinity Life exceeded my expectations. Philip demonstrated exceptional knowledge, guided me through personalized coverage options, and provided transparent explanations. The whole process was seamless and straightforward. Kudos to Philip and the team.
SASamuel AjayiGoogle review · January 2024
★★★★★Applying for and obtaining coverage with Affinity Life was smooth and swift. The website is easy to use and Phillip has been extremely responsive. This was our fourth vendor we explored life insurance through and easily the best experience.
JMJill MiddlemissGoogle review · January 2024
★★★★★Philip was very helpful in getting my payment info updated and policy reinstated. He did not have to do this since I was not his client.
JDJacob DGoogle review · September 2023
★★★★★I am delighted with how Philip of Affinity Life handled business with me and my husband. He is genuinely accommodating and has knowledge that helped us decide the best insurance policy. So happy and grateful for him and the Affinity Life!
MAMike and Adee LoquellanoGoogle review · May 2023
★★★★★Excellent experience. The whole process was very easy and straightforward. Phillip is very knowledgeable and was quick to answer any questions.
KSKyle SteeverGoogle review · May 2023
★★★★★The Affinity Life online system was very easy to use and get estimates for different amounts of coverage. Phillip has been very helpful with questions and set up support.
MSMike SmallwoodGoogle review · April 2023
★★★★★I recently switched to Affinity Life and I couldn't be happier with my decision. One of the things that really impressed me is their commitment to educating their clients. They don't just sell policies, they take the time to explain the different options and help you make an informed decision that's right for you. Their client service is also awesome. Every time I've had a question or concern, they've been quick to respond and super helpful. I feel like they truly care about their clients and want to make sure clients have the coverage they need, not just what will give the best commission. I would highly recommend Affinity Life to anyone looking for life insurance.
SJSarah Johanna CampbellGoogle review · March 2023
★★★★★Phillip was excellent in helping my wife and I obtain life insurance, he provided clear prompt communication and was very helpful and detailed in explaining everything to us. His passion for helping others shows and I would certainly recommend Affinity Life to all of my friends and family. Thank you again!!
ARAndrew RennieGoogle review · February 2023
★★★★★My experience with Affinity Life and in particular Philip has been first rate. They answered my questions in a quick and professional manner and assisted my wife and I in getting Term Life Insurance very quickly. I absolutely recommend their services. Patrick
PWPatrick WhitterGoogle review · February 2023
★★★★★Transparent, straight forward and easy to work with. We just purchased our term insurance with Affinity and was very pleased with our experience. You will get a very good direction from Philip. No BS like other insurance salesman or your friends selling life or universal insurance and no time waisted. He has tons of video in youtube (@AffinityLife) that are very useful guide for buying an insurance. I would highly recommend this company to anybody.
MJMichael Job Loquellano (Mike)Google review · January 2023
★★★★★Getting disability insurance through Affinity Life was quick and straight forward. It's nice to know i'm protected by a company that values what we do and supports the community.
JSJonathan SageGoogle review · December 2022
★★★★★I could not recommend Philip & Affinity Life more. Philip is incredibly knowledgeable, caring and kind. He goes above and beyond for his clients and is a true supporter. Affinity for the win!!
LLoganGoogle review · December 2022
★★★★★Philip is an expert in his field. Very professional yet easy to communicate with. He takes time to understand client's situation and needs, then he advises on the best products and strategies.
OLOleksandr LytvynGoogle review · December 2022
★★★★★I wish I had started working with Philip sooner! He has helped me create more value for my company, showing me how I can save taxes, earn investments, and minimize my legal liabilities. Highly recommend to any business owner.
RLRuben LipszycGoogle review · December 2022
★★★★★I found Philip and his team the best educators in my business network who take time to guide their clients for what's best for their needs. I am grateful to Philip for helping me navigate and find the most suitable insurance options. Really enjoyed his customer service.
AGAvnissh GuptaGoogle review · December 2022
★★★★★Love what these guys are doing. Super fast and easy to use. They're setting new standards for the insurance industry. Affinity Life started with a real person and a real, deeply emotional story, and I can tell that customer satisfaction is so important to them. Keep it up!
MGMarcel GruberGoogle review · December 2022
★★★★★Phil is one of the most creative and effective advisors I have come across. I've been working with him for over five years and he consistently delivers solid results providing for the best possible products and services on the market.
TCTahir ChaudharyGoogle review · December 2022
★★★★★If you are looking for knowledge, high touch service and a simple, transparent no BS company to handle your insurance needs, your search has ended with Affinity Life! Philip and his team will truly look after you.
SKSusan KandalaftGoogle review · December 2022
★★★★★Phil was super helpful with a slick estimate process better than other companies I've dealt with. Easy to work with. Thanks Phil
KRKevin RiddellGoogle review · June 2022
★★★★★Outstanding service and support with a wealth of knowledge. The online process was simple and easy to do - even on a mobile device. Well done!
NDNathan DouglasGoogle review · June 2022
★★★★★So glad that I found this website and was able to purchase life insurance for myself without having to talk to a salesperson. The process was quite easy and I didn't feel pressured at any point by the customer service reps. I would definitely recommend it to families looking for life insurance but don't want to have an advisor sales pressure them.
MBMonica BennettGoogle review · May 2021
★★★★★I would recommend this company 100%! After the birth of our second child, we decided that it was important to get life insurance. I had been hesitant to get insurance but was convinced by my partner that it was important. I found the website easy to use and convenient to do on our own time and pace. I enjoyed the low pressure experience that was also surprisingly informative. It was nice to feel in the "drivers seat" throughout the entire experience.
MBMelanie BodhiGoogle review · April 2021
★★★★★I am so happy that I was introduced to Affinity Life. I have always been overwhelmed by the thought of finding the right insurance at the right price for my family and I. They made it easy to compare policies/prices and made the process so seamless. Thank you for the peace of mind. I would highly recommend Affinity Life to anyone.
JLJon LamontGoogle review · April 2021
★★★★★I've had the pleasure of working with Phil on several life insurance policies and have used his services with many clients assisting them with life insurance needs as well. Phil's expertise and commitment to finding the best product to suit each clients' needs are what sets him apart from the rest. Thanks so much Phil!
DMDale MonetteGoogle review · April 2021
★★★★★Awesome personalized help and support!
JRJared RGoogle review · May 2026
★★★★★Philip was very helpful and responsive when I was looking into getting a policy for me and my family.
VVanessaGoogle review · April 2026
★★★★★Phillip was a great help for my insurance needs. Quick to respond. Would highly recommend.
SGSam GascoigneGoogle review · December 2025
★★★★★Overall excellent experience! Very simple process and great communication.
DPDan PichetteGoogle review · October 2025
★★★★★Made everything simple and easy. Quick to get back to inquiries
BNBrady NeimanisGoogle review · February 2025
★★★★★The best insurance broker!
MJMarie Joyce MadrigalejosGoogle review · September 2023
★★★★★Found them helpful and personable
ACAndrew CotterellGoogle review · July 2023
★★★★★Responsive, helpful website, easy application process. Thanks for the help!
MCMegan CotterellGoogle review · June 2023
★★★★★Really love the customer service and the ease of signing up! Thanks Phil
EPEli PrefontaineGoogle review · May 2023
★★★★★Philip went above and beyond to make sure we got the best products to meet our insurance needs. Definitely recommend.
LVLibin VargheseGoogle review · April 2023
★★★★★Simple and easy process with great transparency of pricing and options.
RGRyan GubicGoogle review · December 2022
★★★★★Affinity Life is fast to respond and finds the right solution for the right price
DTDietrich TiessenGoogle review · December 2022
★★★★★Great people, products and purpose.
WGWill GaddGoogle review · December 2022
★★★★★Great online experience, seamless and effortless. Highly recommend!
MTMatt TGoogle review · December 2022
★★★★★Phillip is a great person to work with!
TLTim LippGoogle review · December 2022
★★★★★Philip is great - highly recommend reaching out to discuss your insurance. Knowledgeable and trustworthy.
CConradGoogle review · December 2022
★★★★★Phil is the best. Always a pleasure to work with.
JRJeremy RegotoGoogle review · December 2022
★★★★★Phillip is a very knowledgeable and helpful professional.
PBPatrick BongersGoogle review · July 2022
★★★★★Super glad I found this site. Made it incredibly easy to purchase life insurance and it was done all online.
RHReba HopfGoogle review · April 2021
★★★★★Philip was helpful for securing life insurance. He was able to answers questions I had during the application process and provide helpful guidance as to what would work best for my situation. However, I did find that once my insurance was set up, he lacked communication. I had a question regarding the signing of the contract, and never heard back even after a follow up email.
JGJamie GalbraithGoogle review · June 2026
★★★★★Philip showed and guided our family for life insurance. He is an exceptional , hardworking insurance agent. I would highly recommend affinity insurance group.
LJLij JoGoogle review · April 2023
★★★★★Great service, quick and efficient. Made it easy to get the right insurance for my needs
BPBenoit PageauGoogle review · April 2026
★★★★★Great! Through , accurate and trusted.
NGNathan GrimsonGoogle review · February 2026

Read all 102 reviews →

Learn

Read before you buy.

All articles →
Cost and pricing
How much does life insurance cost in Canada?NEW

What term life actually costs by age, and what moves the price.

4 min read
Families and mortgages
Mortgage life insurance vs. term life insuranceNEW

Your lender's mortgage insurance and a personal term policy are not the same product.

3 min read
Term life basics
Types of life insurance in Canada, explainedNEW

Term, permanent, group and simplified issue, side by side.

3 min read
Questions

Term life FAQ.

How long should my term be?

Match it to your biggest obligation: often until the mortgage is paid off or the kids are independent. 20 and 25-year terms are the most common for young families.

How much coverage do I need?

A common starting point is 10 years of income plus your debts, minus savings and existing coverage. Use the calculator above, or ask Philip.

What happens when the term ends?

You can usually renew at a higher price, convert to permanent coverage, or let it end if you no longer need it.

Is the payout taxable?

No. Life insurance death benefits paid to a named beneficiary are generally tax-free in Canada.

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