What makes AMC stand out is its deep roots—its history goes back to the 1920s. That kind of legacy doesn’t just sound impressive; it means they’ve fine-tuned how to handle life insurance across generations. 

We like that they offer more than just basic policies. You can go for life insurance that includes mortgage protection or even build cash values through permanent coverage.

Another thing we appreciate is how they help you lock in better rates. Their brokers break down how your age, health, job, and lifestyle play into the price, and they’re good at finding the sweet spot before costs creep up.

Walk-ins are welcome at their Vancouver office, too, and you can even get help in English, Chinese, Persian/Farsi, or Punjabi, making things easier if you prefer handling this in your own language. 

On the flip side, if you’re someone who prefers an immediate online quote and instant purchase, AMC leans more toward the guided, human route.

And yes, if your background is medically or occupationally high-risk, you may pay more, but AMC will work to secure the best rate possible. 

Pleasant and helpful

“We walked in near the end of the work day with no appointment and were taken immediately with grace. Our agent was very pleasant and helpful, and took good care of us. Sushile is great,!”

Joshua Corber, Google Review

Helped choose a good package 

“The girl Stella was very kind and nice to me. She explained everything to me well and helped me choose a good package of services. Thank you very much for your help, I will recommend this insurance company to everyone.”

Valentyna Dvoiezerska, Google Review

Thomas C. Chan has more than 13 years of hands-on experience helping Canadian families with both life insurance and long-term financial strategies.

We noted that the process kicks off with a full financial assessment; they don’t just look at your monthly premium, they dive into your income, assets, liabilities, goals, and lifestyle to create a plan that fits your full financial picture. 

Coverage-wise, he’s got all the options laid out, from basic term plans to permanent policies, like whole life and universal life.

What caught our attention was the focus on tax protection and building intergenerational wealth. If you’re a parent, business owner, or just thinking ahead, that kind of advice is a big plus.

Another perk? Free consultations and access to multiple insurers. You get a clear comparison without feeling boxed into a single provider.

Just keep in mind that permanent plans with cash value do come with higher upfront costs. Nonetheless, if you want advice that’s tailored and practical, not cookie-cutter, they’re worth checking out.

Professionalism, quality, responsiveness, value

“Professionalism, Quality, Responsiveness, Value

I choose Thomas for my Life insurance and investment portfolio and am very happy for many reasons. 1. I have great insurance and it is very budget friendly. 2. He and his team are very quick to get me. 3. His knowledge in industry is Great and how easily you understand things explained by Thomas and Rachel.

Thank you, Thomas.”

Harpreet Singh, Google Review

Excellent job explaining 

“Thomas and Rachel are knowledgeable and did an excellent job explaining the life insurance coverages that worked for me and my husband. We are grateful to Thomas and Rachel and we would recommend their services to anyone who is looking for guidance in this respect. Keep up the great work guys!”

Nyet Yang Siow, Google Review

It’s neat that The ReFrame Group is great at blending life insurance into your bigger financial strategy. This isn’t just about replacing income, it’s about using insurance as a tool to handle everything from mortgage protection to capital gains and succession planning. 

We also appreciate how they don’t stop at just life coverage. Their team helps you plan for critical illness and disability, too, wrapping it all into one smart, comprehensive setup—a kind of planning that feels well-rounded and grounded in real life.

Of course, the tradeoff is that it’s not an overnight process. Their approach is more hands-on, which means scheduling a bit more back and forth, especially since they’re closed on weekends.

And one more thing—they actually check-in. Instead of setting you up with a policy and disappearing, they encourage yearly reviews to make sure coverage still lines up with your life. Honestly, that kind of follow-through is rare and just shows how proactive they are.

Fantastic group 

“Fantastic group. Super attentive to detail and always there to help.”

Nabil Sabet, Google Review

Pleasant to work with 

“Extremely helpful and pleasant to work with.. highly recommended!!!!”

Habib Khan, Google Review

Lions Peak Financial Group catches attention with its broad lineup of life insurance options, from term and whole life to permanent and even “generational wealth” plans. They tailor everything to fit your personal or business needs, so you’re stuck with a one-size-fits-all policy.

One perk is their fully digital, paper-free process. You can explore options, apply, and finalize your coverage all from home—no hassle, no waiting around.

Here’s a nice highlight: no advisory fees. You can chat with an expert, get tailored advice, and weigh your options without feeling like you’re being pitched.

The catch? Their thoughtful and convenient approach might come with a bit of a price tag compared to the other cheapest online-only term policies.

But hey, Lions Peak Financial Group works as a broker, pulling quotes from top Canadian carriers like Sun Life, Manulife, and RBS, so you get real choices instead of being stuck with just one insurer, and it also means you get different price points. 

Thorough, honest, knowledgeable

“Chris Lubell is by far the most ethical and conflict-free insurance adviser I’ve ever met. He is extremely knowledgeable about the products he sells and advocates on behalf of his clients. There are very few people in the financial services industry I actually look up to. Chris is definitely one of them and I consider him an expert. Thorough. Honest. Knowledgeable.”

A White, Google Review

Easy to work with and accommodating 

“Chris and his team were very easy to work with and accommodating our tight schedule. They are worth giving a shot and trusting to guide you through the complex insurance world.”

Hassan Mohseni, Google Review

Camlife Financial keeps things straightforward with a wide range of life insurance products, like term, whole, universal, mortgage, and even no-medical options. There’s something here for almost every situation, whether you’re planning for your family or your business.

As independent brokers, they don’t push you into one provider; they compare plans from top names like Manulife, BMO, and Canada Life to help you find the best fit for your budget and goals. 

We also appreciate that their advice won’t cost you a dime since they’re paid by the insurers, not you. So you can ask all your “what ifs” without stressing over hidden fees.

Another thing they deserve credit for: they don’t shy away from complex cases. The clients we talked to with health conditions or past rejections say Camlife goes the extra mile to get them covered.

Just a heads-up, though: if you’re after a no-contact, click-and-go insurance purchase, this might not be your ideal match. Regardless, for those who want someone who walks you through the details, Camlife brings experience, options, and a human touch. 

Great to work with

“Casey was great to work with. He took the time to walk us through all the options, explain the differences in policies, and helped to find the right fit for us. Overall I’m very happy that we went with Camlife, they made picking insurance easy and straightforward, and I would highly recommend them!”

Ross Coleman, Google Review

Good option, with a chronic illness

“Casey was great to work with, responsive, knowledgeable and found a good option for our life insurance. With a chronic illness, he had to write a letter to the underwriters and get me the coverage I wanted.”

David, Google Review