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protection for all and coverage for even the "uninsurable "

protection for all and coverage for even the "uninsurable "protection for all and coverage for even the "uninsurable "protection for all and coverage for even the "uninsurable "

We are more than just life insurance.  We also protect families against 

financial risks of accident, sickness & longevity.   

Click to find out if you are insurable

Servicing families in BC, Alberta and Ontario

protection for all and coverage for even the "uninsurable "

protection for all and coverage for even the "uninsurable "protection for all and coverage for even the "uninsurable "protection for all and coverage for even the "uninsurable "

We are more than just life insurance.  We also protect families against 

financial risks of accident, sickness & longevity.   

Click to find out if you are insurable

Servicing families in BC, Alberta and Ontario

WELCOME TO INSURANCE KIT

We understand that life’s challenges don’t wait for convenient moments — they arrive unexpectedly, testing our resilience and perspective. That’s why we’re dedicated to helping people navigate uncertainty with compassion and clarity.


Whether it’s finding coverage for unique health situations or guiding families through complex underwriting, our mission is to bring hope and options to those who need them most. Thanks for trusting us to be part of your journey.

OUR MISSION TO HELP

OUR MISSION TO HELP

OUR MISSION TO HELP

OUR MISSION TO HELP

OUR MISSION TO HELP

OUR MISSION TO HELP

Patients, insurance, declined, pre-existing conditions, hospital, nurses, health care

WHAT IS NEW

WHAT IS NEW

WHAT IS NEW

WHAT IS NEW

WHAT IS NEW

WHAT IS NEW

Protect Your Future, Today

When Insurance Comes Too Late

The Balancing Act of Cost and Benefits for Business

The Balancing Act of Cost and Benefits for Business

Many have said to us, "I will call you when I need it.".  Our latest blog shares a true life story about the nature of insurance: you can't always get it when you need it. Click here to read on.

The Balancing Act of Cost and Benefits for Business

The Balancing Act of Cost and Benefits for Business

The Balancing Act of Cost and Benefits for Business

 Learn how rising benefit costs and employee expectations are reshaping workplace plans in 2026—and what business owners can do to create sustainable, meaningful coverage that truly supports their teams. 

A New Option for RDSP

Year-End Tax Planning Webinar 2025

Year-End Tax Planning Webinar 2025

Do you have a loved one who is disabled? Are you taking advantage of all the benefits and credits the government have for them, if eligible? Read more to find out how the latest RDSP offer could be your best option.

Year-End Tax Planning Webinar 2025

Year-End Tax Planning Webinar 2025

Year-End Tax Planning Webinar 2025

Register for our Year-End Tax Planning Webinar to learn about useful tips on tax savings that you should implement before the year end. Click for details.

CURRENT PROMOTIONS

CURRENT PROMOTIONS

CURRENT PROMOTIONS

CURRENT PROMOTIONS

CURRENT PROMOTIONS

CURRENT PROMOTIONS

Check Out These Deals!

In addition to direct promotions from insurance companies, you may find our in-house promotion too!

Visiting Canada? 10% discount offer EXTENDED!

Travel abroad could be expensive without travel insurance.  Click here  to find out about how to save on travel insurance while visiting Canada.  Offer expires October 31st, 2025.

Whether you’re looking for your first home or your next home...

Enjoy the benefits of a lower rate, cash back and the longest locked in period until November 14, 2025, for a chance to win $4.100. Click here for details.

Enjoy high interest and flexibility in tandem!

Open a new Advantage Account and earn 4.75%* on net new deposits for the first 4 months followed by an everyday savings rate of 1.75% .  Limited time offer until November 30th, 2025.  Click here for details.

Diabetes, life insurance, diet, eating healthy, charity, charitable donations

Diabetes shouldn’t mean “no coverage.”!

Learn about a life insurance solution built just for you — and enter to win $5,000 for yourself and a charity!  Limited time offer until December 31st, 2025.

discount, couple, family protection, life insurance, term insurance, critical illness insurance,

Instant Savings, Lasting Value

Take advantage of this new opportunity to get  comprehensive coverage while saving money.   With this new Sun Life bundle offer, you may be eligible to receive a 5% discount on CII premiums when bundled with term.   Limited time offer until December 31st, 2025.

Family, mother and daughter, health insurance, group benefits, drug coverage, non-medical

Looking for Health Coverage Without Group Benefits? Your answer is here!

Learn about  this open-enrollment initiative offers guaranteed-issue health and drug coverage (excludes dental), with no medical questions asked.  Limited time offer until January 1st, 2026.

New & Exciting Enhancement on the Vitality program!!

Learn about an innovative and unique program that enables you to earn rewards and save on premiums for being health-conscious!

Affordable Permanent Life Insurance for Smokers

With this Quit-smoking Incentive plan, you could qualify for non-smoker rates for the first two years of the policy. And if you remain a non-smoker fater this period, those lower rates continue.

Other Helpful Information

Other Helpful Information

Other Helpful Information

Other Helpful Information

Other Helpful Information

Other Helpful Information

Online Quote & Application

Online Quote & Application

Online Quote & Application

Just looking for a quick quote?

Click HERE for your quote or apply online for Life, Accident & Sickness, Health & Dental, and more (Hint: think banking and mortgage products that could help your savings grow FASTER)

Hard-to-insure Clients

Online Quote & Application

Online Quote & Application

  Have health concerns, been declined before? 

Have a risky job or hobby that no one will insure you for? Or when they do, 

it is unaffordable? This HARD -TO-INSURE page is for you.

Videos for Non-readers

Online Quote & Application

Videos for Non-readers

If you prefer watching short videos to learn about the basics of different insurance policies and how they help with one's financial 

well-being, check out these videos.  Or check out this section for more information including past articles in each category.

Insurance 101

Videos for Non-readers

Don't know if insurance is for you? 

Not sure what type of insurance is available ?Just want to read about insurance for fun? 

Here you can learn the basics of insurance products and what they can do for you.

Financial 101

Insurance is an integral part of financial planning. In here, you can learn about the basics of money matters, including how to manage expenses, income, and debt. 

[Insurestment]

What does insurance have to do with 

savings and retirement, let alone investment?

It is all about protecting your money!

This section talks about topics like 

RRSP, TFSA, RRIF and other acronyms.

The Final Affairs

The Final Affairs

The Final Affairs

Both Life insurance and the Will are part of 

the foundation of a family financial planning. However, only about 60% of Canadians have their Will done. Come here to learn about 

Estate planning and the Wills..

How We Could Help

The Final Affairs

The Final Affairs

Our services have expanded from protecting families in the case of untimely death,

acute sickness and injuries, to planned or unexpected retirement as well.

Keep scrolling for the latest updates

or find out more ABOUT US  

What is covered?

The Final Affairs

Financial Wellness Check-up

This section explains the type of products 

that Insurance Kit could provide for 

your whole family - including your parents, spouse and your dependent children, 

employed or not. 

Financial Wellness Check-up

Financial Wellness Check-up

If you don't see what you are looking for, please book a 30-minutes complimentary consultation session with us. No good doctors could give a prescription without a diagnosis!  

Newsletter Sign-up

Newsletter Sign-up

Sign up for our newsletter to receive the latest update on our website.  This way, you would be one of the first to know what's new in any deals or government policies that affect you and 

your family, present and/or future.

WHAT OUR CLIENTS HAVE TO SAY

Y. Zhao, Toronto, Ontario

Kit is an amazing insurance advisor to work with.  She has deep knowledge about insurance products. She was able to select the perfect policy to fit both my needs and budget, and she's always there to quickly address any questions or my requests for changes. Beyond her professional skills, Kit is great at communication, making my meetings with her very enjoyable. I highly recommend her to anyone in search of high quality insurance services. 

Our Blog of Real Life Stories

WELL-BEING PARTNERS

Our Team Approach to Your Well-being

We believe in taking care of our client's financial, physical and social well-being is equally important. Visit our Partners for your pursuit of happiness in physical and mental health, as well as professional matters.

Financial Partners

Financial Well-being Partners

Physical Well-being Partners

Physical Well-being Partners

Social Well-being Partners

Social Media

Contact

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Personalized coverage for you and yours

Disclaimer Notice

This website provides Information on life insurance and other living benefits options. Some products and services may not be available to all individuals, and no assurances of the same are made herein. 

info@insurancekit.ca

Providers include: Allianz, Assumption Life, BMO, Beneva, Canada Life, CPP, Combined Insurance, Desjardins Financial, Edge Benefits, Equitable Life, Empire Life, Foresters Financial, Humania, IA, Manulife, PBC, RBC, Specialty Life, Sun Life

In addition to direct promotions from insurance companies, you may find our in-house promotion too!

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