Spectrum Living Benefits - It's about your future

Our History

Spectrum Living Benefits was founded in 2010 by Alan Leader. Alan started in the insurance business in 1976. He started actively advising on disability insurance in 1980, and became an independent insurance broker in 1983.

In 1990 he co-founded a successful Vancouver-based boutique firm offering insurance, employee benefits, and financial planning. With the development of Long-Term Care Insurance and Critical Illness Insurance, Alan formed Spectrum Living Benefits to focus on these, and other, "living benefits".

How "Living Benefits" Can Help You

You have plans and goals for your family. However, you have no control over unexpected illness and injury! Living Benefits insurance products are the best way to manage a family's finances and lifestyle through difficult health challenges. Living Benefits allow an unwell person and their family to maintain financial and emotional stability, and have choices in life. We will listen closely to your circumstance and goals and recommend the most appropriate insurance solution. The insurance plan we design will be a road-map to fulfilling your family's personal and financial plans for the future.

What are "Living Benefits"?

Disability Insurance provides an income for someone who cannot work because of illness or injury.

Ultra-High-Limit Disability Insurance goes beyond what traditional disability insurance companies can offer.

Critical Illness Insurance pays a lump-sum of cash to someone who is diagnosed with one of a list of specified serious illnesses, including "cancer".

Long-term Care Insurance pays when (usually) older people need care in their home or in a care facility.

Medical Access Insurance gives a person access to health care without being stuck on a long medical treatment waiting list.

Employee Benefit Plans allow an employer to provide health and dental and other insurance benefits to employees.

We can help in many situations, such as:

You are a FAMILY with one or two breadwinners
You want to guarantee that illness or injury does not damage the financial security and future of your family.
You are a PROFESSIONAL ASSOCIATION
You want to to provide benefits exclusively for your members.
You are a SELF-EMPLOYED PROFESSIONAL
You need an income if disabled.
As well, you want to be able to pay
the bills to keep your office open
to service clients even if you are
sick or hurt.
You own a BUSINESS with more than one partner
You want a plan to ensure that the illness of one partner does not adversely affect the running of the business, and therefore financially penalize the healthy partners.

Our History

How "Living Benefits" Can Help You

What are "Living Benefits"?

We can help in many situations, such as:

Where are you now?

Where are you going?

604-681-6363info@spectrumlivingbenefits.com