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

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Critical Illness Insurance

Being diagnosed with a critical illness is not something that people like to think about. Perhaps you know someone who was recently faced with this situation, and saw firsthand the stresses of finding and receiving medical care, and paying the bills while recuperating.

Critical Illness insurance was first conceived by a surgeon who had seen patients struggling with medical bills, and today it is available from many top Canadian insurers. This type of coverage is for those who take great care of themselves and have above average health.

Your coverage benefit is paid out in a lump sum, tax-free in the event you are diagnosed with a covered condition and survive for a minimum period. The money can be used to pay a mortgage, take time off work, or for medical care. It’s completely up to you.

The most common types of claims in Canada are for cancer, heart attack, and stroke, but most plans offer coverage of over 22 illnesses, which can also include Alzheimer’s, multiple sclerosis, and Parkinson's.

An optional refund guarantee called Return of Premiums means your money can be returned if no claims are made.

For a free insurance needs analysis and comprehensive comparison of top insurer pricing, please call us at 604.872.2866 or email or request 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.