You’ve worked hard to get to where you are today.

You may have a job that pays well, a home, a partner and children.

With that comes a lot of responsibility. You have to pay your bills, service your debt, save for your children’s education and your own retirement.

Even if you’ve been doing all of that, have you considered the financial impact to your family if the unexpected were to happen? How will you replace your income? Who will pay the mortgage? Can your family make ends meet?

That’s where life insurance comes in. The right insurance policy can be the difference between financial devastation and financial stability.

But with so many choices out there, how do you choose? There’s term, permanent, whole life, universal life, and much, much more. You can get a quote in under 30 seconds, but how do you know if the policy you choose is right for you?

I am here to help you with that decision. If you’re the DIY type, with the information on this site, you can become an expert on insurance yourself. Or if you prefer to let someone else with the expertise and experience handle it for you, I would be more than happy to take that off your plate.

Why use an insurance broker

Lots of people buying insurance want to bypass the broker, thinking that if they go directly to the insurance company, they will get a better deal.

But when you go directly to the insurance company, the price you pay will be higher than going through a broker. That’s because little underwriting is done, so the insurance company charges a higher premium to account for the unknown risk that they are taking on.

They also believe they will avoid conflict of interest with the broker doing what’s best for himself instead of the client.

But that just means they have to find a trustworthy broker who will work in the best interest of the client.

That’s where Brian So Insurance comes in.

Why choose Brian So Insurance

I’ve earned the trust and helped countless individuals obtain life insurance. I always look out for the best interest of my clients and make sure they are completely satisfied with the policy they buy, without applying any sales pressure.

Because every situation is unique, I don’t take a cookie cutter approach to life insurance. I will strive to find out the details of your specific situation and design an insurance solution that works for you and fits your budget.

As an independent insurance broker, I have access to over a dozen insurance companies’ products, so you can be sure there’s a policy out there with your name on it. And every company has different underwriting standards, so even if you’re declined by one, it doesn’t mean you cannot be insured.

Who I help get insurance

From the young and healthy non-smoker to an elderly individual with multiple chronic health issues, I help a broad range of people get approved for life insurance.

Newer insurance products like have come out that are designed for the “hard to insure”. These “no medical life insurance” have their benefits and drawbacks. I help my clients understand how these products work and determine if they are a good fit for them.

The main goal of most of my clients is to protect their families with life insurance. But many also use it strategically for estate planning, charitable giving, tax-sheltering, and more.

Let me help you find the perfect insurance policy to protect you and your family.