Life insurance made simple

Coverage that fits your family's life

Whether you're just starting out or planning for the long term, AGW Insurance Services has a plan that protects what matters most — at every stage.

Term Life Insurance

Affordable protection for the years that matter most

Term life insurance provides coverage for a set period — typically 10, 20, or 30 years. It's the most straightforward and affordable way to make sure your family is financially protected if something happens to you during your working years.

Best for

Young families, new homeowners, and anyone with dependents who need income replacement

Lower premiums than permanent insurance
Flexible term lengths (10, 20, or 30 years)
Tax-free death benefit for your beneficiaries
Option to convert to permanent coverage later

Best for long-term financial planning

Whole Life Insurance

Lifelong protection with guaranteed cash value

Whole life insurance covers you for your entire life — not just a set term. It also builds cash value over time that you can borrow against or use in retirement. It's a stable, predictable policy that never expires as long as premiums are paid.

Best for

Those who want permanent coverage, estate planning, or a policy that builds financial value over time

Coverage that lasts your entire lifetime
Builds guaranteed cash value over time
Fixed premiums that never increase
Can be used as part of an estate plan

Most flexible permanent option

Universal Life Insurance

Flexible coverage that grows with you

Universal life insurance combines lifelong protection with the flexibility to adjust your premiums and coverage as your life changes. It also accumulates cash value, often tied to market performance, giving you more growth potential than whole life.

Best for

Those who want permanent coverage with flexibility to adapt as income, family size, or financial goals change

Adjustable premiums and death benefit
Cash value with potential for higher growth
Lifelong protection with built-in flexibility
Ideal for changing financial situations

More ways to protect what matters

Beyond life insurance, AGW offers additional coverage to keep your family protected at every stage of life.

Essential for out-of-province travel

Travel Insurance

Peace of mind wherever life takes you

Travel insurance protects you and your family from unexpected medical emergencies, trip cancellations, lost baggage, and other travel disruptions — whether you're heading across the country or around the world.

Best for

Frequent travellers, snowbirds, families vacationing abroad, and anyone travelling outside their home province

Emergency medical coverage outside your province
Trip cancellation and interruption protection
Lost or delayed baggage coverage
24/7 emergency assistance hotline

Travel with confidence

Visitor Visa Insurance

Health coverage for visitors to Canada

Visitor visa insurance can help protect visitors and their families from unexpected medical costs while they are in Canada. It offers practical coverage for eligible emergency medical needs during a temporary stay.

Best for

Visitors to Canada, including parents and grandparents, who need travel medical protection

Emergency medical coverage while visiting Canada
Options designed for visitor visa and Super Visa requirements
Coverage choices for different trip lengths and needs
Guidance to help you choose an appropriate plan

Protect the place your family calls home

Mortgage Insurance

Help protect the home your family loves

Mortgage insurance can help provide a financial safety net for your family if you die prematurely. It can help them manage mortgage payments and stay focused on the home and future you built together.

Best for

Homeowners who want added protection for their family and mortgage obligations

Helps protect your family from mortgage-related financial pressure
Can help support mortgage payments after a premature death
Coverage can be tailored to your home and family needs
Guidance to compare options and choose suitable protection

No medical exam required

Funeral Expense Insurance

Protect your family from unexpected final costs

Funeral expense insurance — also called final expense or burial insurance — is a small whole life policy designed to cover end-of-life costs. It ensures your loved ones aren't left with a financial burden during an already difficult time.

Best for

Seniors, those on a fixed income, or anyone who wants to spare their family from covering funeral and estate costs

Covers funeral, burial, and cremation costs
Easy to qualify — no medical exam required
Affordable fixed premiums for life
Benefit paid quickly to ease family burden

Required by most mortgage lenders

Homeowners Insurance

Protect your home and everything inside it

Homeowners insurance covers your home's structure, personal belongings, and liability in case of accidents on your property. It's one of the most important protections you can have as a homeowner — and often required by your mortgage lender.

Best for

Homeowners, first-time buyers, and anyone who wants to protect their property and personal assets

Dwelling coverage for fire, storm, and damage
Personal property protection for belongings
Liability coverage if someone is injured on your property
Additional living expenses if your home is uninhabitable

Flexible financial support

Critical Illness Insurance

Financial support when recovery needs your full attention

Critical illness insurance provides a tax-free lump-sum payment if you are diagnosed with a covered serious illness. It can help you manage everyday expenses, treatment-related costs, or time away from work while you focus on recovery.

Best for

Families and individuals who want added financial flexibility during a serious health event

Tax-free lump-sum benefit for covered diagnoses
Use the payment where it helps most
Helps protect savings and household income
Support for recovery-related expenses

Protect your income

Disability Insurance

Income protection when you need time to recover

Disability insurance can replace part of your income if an illness or injury keeps you from working. It helps you stay on top of everyday expenses while you focus on getting well and returning to work.

Best for

Working individuals and families who rely on regular income to cover household expenses

Monthly income support during a qualifying disability
Helps cover bills, housing, and everyday expenses
Options for short-term and long-term protection
Designed to complement workplace benefits

Accessible peace of mind

Guaranteed Life Insurance

Straightforward coverage with no medical exam

Guaranteed life insurance can offer a simple path to coverage for people who may have health concerns or prefer not to complete a medical exam. It is designed to help provide peace of mind and financial protection for the people you care about.

Best for

Adults seeking accessible life insurance with a simple application process

No medical exam required
Simple application process
Coverage designed to support the people you care about
A practical option when other coverage is difficult to obtain

Property & Tenant Protection

Coverage for every place you call home

Whether you own or rent, a house or a condo, AGW Insurance Services can help you find the right protection for your home and belongings.

🏡 Own It. Protect It. Love It.

Your biggest investment deserves the best protection.

From the roof over your head to everything inside — we've got you covered.

Structure CoverageContents ProtectedLiability Included

🔒 Get a Free Home Owner Quote →

AGW Insurance Services · 250-702-1937

🏠 Rent Smart. Stay Protected.

Coverage for renters — because home is where you are.

🔥 Fire💧 Flood Protection🛡️ Liability

📦 Contents🔒 Theft

🔒 Get a Free Renter Quote →

AGW Insurance Services · 250-702-1937

🏢 Own Your Condo. Own Your Peace of Mind.

Protect your unit, upgrades & everything inside.

🔥 Fire💧 Flood Protection🛡️ Liability

📦 Contents🔒 Theft

🔒 Get a Free Condo Owner Quote →

AGW Insurance Services · 250-702-1937

🏠 Rent Smart. Stay Protected.

Coverage for tenants — because home is where you are.

🔥 Fire💧 Flood Protection🛡️ Liability

📦 Contents🔒 Theft

🔒 Get a Free Tenant Quote →

AGW Insurance Services · 250-702-1937

Full Protection

What these policies typically cover

Every plan is designed to protect what matters most to you

🛋️Your personal belongings and furniture

🛡️Liability if someone is injured in your home

🏨Additional living costs if you are displaced

🔥Fire, water damage, and theft

🔨Unit improvements and upgrades (condo owners)

📋Loss assessment coverage (condo policies)

Ready to protect your home, condo, or rental?

Talk to Angelina — 250-702-1937

Not sure which plan is right for you?

Here's a quick side-by-side to help you compare. Angelina is always happy to walk you through the details personally.

250-702-1937 Talk to Angelina

Got Questions?

Common questions about life insurance

1How much coverage do I actually need?

A common rule of thumb is 10–12 times your annual income, but the right amount depends on your debts, dependents, lifestyle, and long-term goals. Angelina can help you calculate a number that makes sense for your family.

2When is the best time to get life insurance?

The earlier the better — premiums are lower when you're young and healthy. Many people get their first policy when they get married, buy a home, or have their first child.

3Can I have more than one type of policy?

Absolutely. Many families combine a term policy for high-coverage years with a whole or universal policy for permanent protection. Angelina can help you design a strategy that fits your budget.

4What happens if I miss a premium payment?

Most policies have a grace period of 30 days. Permanent policies with cash value may also use that value to cover missed payments. It's always best to contact Angelina right away if you're concerned.

Ready to find the right coverage?

Angelina will take the time to understand your family's needs and find a plan that fits your life and your budget.

250-702-1937 Get a Free Consultation

Or get an instant online quote right now:

secure.insurely.ca — Angelina Watrin