Think Insurance

Think Insurance Our promise? To work with you to build a strong financial future. We’re a lot like the clients we serve. Funding retirement? Looking after aging parents?

Trusted by 50,000+ Canadians
Life • Critical Illness • Disability • Mortgage • Super Visa
RESP | RRSP | TFSA
Licensed BC • AB • ON
Free quote ↓
https://thinkinsurance.ca/ We have always believed in helping people, families, and businesses to create, protect, and preserve their financial security. We’ve been doing just that—making sure our customers are prepared for whatever life has in store and t

hat we’ll be there to help them face the future with confidence. Each of us is working hard to meet life’s responsibilities and build our own futures. Dealing with the death of a family member? We’ve been there, and we’ve persevered through the toughest of times. So when we work with you, we appreciate that we are being trusted with your most important assets: your family, and your business. We take that responsibility very seriously. We’ve kept our promises. We invite you to explore the depth of that commitment: Talk to your friends and neighbors—many of them may be our customers. Talk to anyone who’s dealt with us. Join the conversation on our page. Tour our website. We’re honored by the trust that thousands have in our company, and by the fact that we have earned the steady, ongoing loyalty of families from province to province. So whether you’re on your own, have a family, or run a company, let’s talk about your future. We’re Think Insurance. And, we look forward to showing you all the reasons why.

08/31/2026

“Is my payout taxable?”

The honest answer is: it depends on who owns the policy and who pays the premium.

Disability: tax treatment changes based on how premiums are paid
Critical illness: if someone else funds it, ownership and beneficiary get messy
Corporate owned life insurance: naming the wrong beneficiary can create a tax problem your family finds out about too late

Same product. Different structure. Very different outcome.

Get it reviewed before you need it.

Think Insurance. Licensed in BC, Alberta and Ontario.

Tax treatment varies by situation. Speak with your accountant and a licensed advisor.

08/31/2026

You built the company. Who inherits it?

Corporate insurance is the bridge between your business and your family.

• Keeps the business running if you are gone
• Prevents a forced sale
• Helps move wealth to the next generation with less tax leakage

Comment ‘ THINK’

Tax outcomes vary. Speak with your accountant and a licensed advisor.

08/27/2026

Two people crossed the border.

One had no insurance. $80,000 hospital bill.
One had a policy. About $300,000 in claims paid.

Your MSP card stops working at the border.

Compare plans at thinkinsurance.ca. Two minutes.
Comment BORDER for options.

EmergencyMedical ThinkInsurance

Our new website is live.Most insurance sites want your number before they tell you anything. Ours gives you the price fi...
08/27/2026

Our new website is live.

Most insurance sites want your number before they tell you anything. Ours gives you the price first.

thinkinsurance.ca



“How much is Super Visa insurance for my mum?”

Answer it yourself in a minute. Age, dates, coverage. Done.

IRCC compliant. Refund if the visa is refused.

Same coverage, different price. Sometimes by hundreds.

See plans side by side. What you pay, what you are covered for, what you are not.

thinkinsurance.ca

Example prices, subject to change.

Ten free calculators. No sign up, no email wall.

Run your own numbers before anyone quotes you a product.

thinkinsurance.ca

Estimates only, not financial advice.

Behind the calculators there is still a person.

Parminder started Think Insurance in Surrey in 2011 and still advises families himself. Nine in ten new clients come by referral.

BC, Alberta and Ontario. WhatsApp, phone or a callback, usually same day.

thinkinsurance.ca

08/26/2026

Most people don’t skip life insurance because of the cost. They skip it because nobody explained it in plain language.

Work coverage ends with the job.
Bank mortgage insurance pays the bank, not your family.
Age and health decide your premium, so later costs more.

Swipe through. Then message us. No pressure, just answers.

Think Insurance, Surrey BC

08/26/2026

You are not buying insurance today. You are locking today’s price.
Every birthday raises it quietly, in the background.
Comment LIFE below for your exact number. No calls, no pressure.

08/25/2026

Held your whole life policy for 20+ years? Cashing it out may cost more tax than you expect.
The longer you hold a permanent policy, the lower its adjusted cost basis usually goes — and the more of that cash value CRA can treat as income at your full marginal rate.
Cancelling isn’t your only option. Reducing coverage, using dividends toward premiums, or a policy loan may keep the coverage alive. Each has trade-offs, including tax and the risk of the policy lapsing.
Book a review before you sign anything.
BCFinance

Disclaimer: Educational only. Applies to permanent policies with cash value, not term. Options and tax treatment depend on your specific policy and situation. Speak with a licensed insurance advisor and a tax professional before making decisions.

08/25/2026

Signed up in five minutes at the bank? That speed has a cost.
Lender-sold mortgage coverage often reviews your medicals at claim time. Individually underwritten coverage reviews them upfront.
Book a review with a licensed advisor — and never cancel existing coverage before new coverage is in force.

08/21/2026

Get 15% off on disability coverage for certain professions and group applications. Dentists, physicians and a few other occupation groups often sit in that category.

If that’s you, the difference over a 30-year working life is not small.

But the discount is the second thing to look at. The first is the wording.

Own-occupation coverage asks: can you still do your job? Not can you do a job. For a dentist with a hand injury, that single line is the whole policy. Broader wording can leave you with no benefit as long as you’re able to work somewhere else.

Ask which wording you’re being offered before you ask what it costs.

Eligibility and rates vary by carrier and occupation. An advisor can confirm what applies to you.

📍 BC · Alberta · Ontario | Since 2011

08/21/2026

If you get hurt on the job site, workers’ compensation steps in.

If you tear a rotator cuff moving a couch on a Saturday — or you’re diagnosed with something that has nothing to do with work at all — it doesn’t.

That’s the gap most tradespeople don’t find out about until they’re already in it. And illness, not workplace accident, is behind a large share of long-term work absences.

Personal disability coverage replaces a portion of your income regardless of where the injury or illness happened. It’s not tied to your employer, so it stays with you when you change jobs or go out on your own.

Two things to ask about before you sign anything: how the policy defines “unable to work,” and how long you have to wait before benefits start.

Talk to a licensed advisor about what fits your trade.

📍 BC · Alberta · Ontario | Since 2011

Address

12885 80 Avenue #204
Surrey, BC
BCV3W0E6

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm
Saturday 9am - 8pm
Sunday 9am - 8pm

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