Radiant Life Insurance

Life insurance is the foundation of long-term financial security. Whether you are raising a family, protecting a spouse, planning your estate, or managing corporate responsibilities, the right life insurance creates certainty in uncertain times.

We help you structure coverage that fits your stage of life — from cost-effective term insurance to permanent solutions that support wealth transfer and estate planning. Every recommendation is aligned with your broader financial picture, not sold in isolation.  You can begin your life insurance application online, with expert guidance available whenever needed.

人壽保險

人壽保險是長期財務保障的基石。無論您正處於成家立業、保護伴侶、規劃遺產，或承擔企業責任的階段，合適的人壽保險都能在關鍵時刻提供確定性。

我們協助您依人生階段選擇合適的方案，從高性價比的定期保險，到可支援資產傳承與遺產規劃的永久保險，皆與您的整體財務策略緊密整合，而非單一商品銷售。您可線上開始申請，並隨時獲得專業顧問支援。

A serious illness can disrupt more than health — it can affect income, savings, and family stability. Critical illness insurance provides a tax-free lump-sum benefit upon diagnosis of covered conditions, giving you financial flexibility when you need it most.

The payout can be used however you choose, whether for medical recovery, income support, family needs, or preserving long-term assets. This coverage is especially valuable for professionals, business owners, and families with financial responsibilities.

Applications can often be started online, with personalized advice available to ensure proper coverage design.

重大疾病保險

重大疾病不僅影響健康，也可能衝擊收入、儲蓄與家庭穩定。重大疾病保險在確診指定疾病時提供一次性免稅理賠，讓您在關鍵時刻保有財務彈性。

理賠金可自由運用，用於康復治療、補貼收入、家庭支出，或保護長期資產，特別適合專業人士、企業主與有家庭責任的客戶。

多數方案可線上啟動申請，同時由顧問協助確保保障設計合適。

Your ability to earn an income is one of your most valuable assets. Disability insurance ensures financial continuity if illness or injury prevents you from working, helping protect your lifestyle and long-term plans.

We design disability coverage that reflects your occupation, income structure, and career stage, and can integrate with employer or corporate benefits when appropriate. Properly structured coverage provides stability during periods of uncertainty.  Radiant Life advisors help you review or apply for disability insurance efficiently.

失能保險

賺取收入的能力，是您最重要的資產之一。失能保險可在疾病或意外導致無法工作時，提供穩定的收入保障，守護您的生活品質與長期計畫。

我們根據您的職業特性、收入結構與人生階段，量身設計失能保障，並可與公司或僱主福利整合，確保保障完整而有效。瑞光理財顧問協助您高效完成保單檢視或申請。

When parents or loved ones visit Canada to stay with their children, they are not covered by provincial health plans. Visitor health insurance helps protect families from unexpected medical costs during extended stays.

This coverage is designed specifically for parents and visitors to Canada, providing protection for emergency medical treatment, hospitalization, and urgent care related to accidents or sudden illness. Approval is often fast, with flexible coverage periods to match travel plans.

Radiant Life Financial helps families secure reliable visitor health insurance with clear benefits and straightforward online applications.

訪客醫療保險

父母或親屬來加拿大探親或長期停留期間，通常不符合省政府醫療保險資格。訪客醫療保險能在突發狀況下，為家庭提供重要的醫療費用保障。

此類保險專為來加訪客與父母設計，涵蓋突發疾病或意外所需的緊急醫療、住院及相關治療費用。申請流程簡單，審批快速，保險期限可依實際停留時間彈性調整。

瑞光理財協助您選擇保障清楚、信譽良好的訪客醫療保險方案，並可線上輕鬆申請。

Explore with confidence — wherever life takes you

Whether you’re planning a family vacation, a winter getaway, or an extended stay abroad, travel insurance protects you from unexpected medical costs, trip interruptions, and emergencies outside Canada.

Provincial health plans offer very limited coverage once you leave the country, and even a short hospital stay abroad can result in significant expenses. Travel insurance helps cover emergency medical treatment, hospital care, and urgent services, so you can focus on enjoying your trip instead of worrying about the what-ifs.

Radiant Life Financial helps Canadians secure dependable travel insurance with flexible coverage options and fast approval. Many plans can be quoted and applied for online, making it easy to get protected before you go. Get a travel insurance quote and apply online before your next trip.

加拿大旅遊保險

安心出發，放心探索世界

無論是家庭旅遊、冬季度假，或海外長期停留，只要離開加拿大，旅遊保險就是不可或缺的保障。

加拿大省政府醫療保險在海外的保障極為有限，一次突發疾病或意外住院，可能帶來高昂的醫療費用。旅遊保險能在緊急狀況下，提供必要的醫療與住院保障，讓您專注享受旅程，而非承擔風險。

瑞光理財協助加拿大居民選擇保障可靠、條款清楚的旅遊保險方案，並提供彈性的保險期間與快速審批。多數方案可線上報價與申請，出發前即可完成保障。

出發前先線上報價並申請旅遊保險，安心無後顧之憂。