If anything happens to you, will your dreams carry on smoothly? Your personalized InsureSmart Dream Protector can protect you and those you care about, and help ensure an exciting retirement.

Your dreams have a priceless value to you and to those you love. Your insurance should ensure that the dreams you cared about will carry on if something happens. The best insurance plans get you ready for anything. Insurance is also a great way to help prepare you for the retirement you’ve always dreamed about. InsureSmart is here to help.

InsureSmart’s unique Dream Protector is a revolutionary insurance and estate planning system that responds to the dynamic changes in your life, assuring that your insurance and estate plan doesn’t get left behind. The best rates. Matched to the best personalized analysis. All wrapped up with the best communication.

Most online life insurance sites only represent one insurance company, which means that you never get a good transparent comparison of your options. At InsureSmart, you enjoy the benefit of true side-by-side comparison of all the products available to you.

Find your best rate. Now.

Take a moment to fill out the Rate Calculator below. We’ll immediately quote you rates from more than 25 top life insurance companies with 100% transparency so you can select the best value, guaranteed. There’s no obligation to do anything further, so it’s a risk-free way to explore your options!

Life Insurance

A variety of different types of life insurance to ensure your loved ones are covered if something happens to you.

Critical Illness

Provides a lump-sum payout in the event that you are diagnosed with a serious illness.


Short-term insurance coverage to ensure that you can continue to pay your bills if something happens to you.

Protecting the things that matter most to you

It’s something many people don’t like to think about, but insurance is one of the most important purchases you’ll make in your lifetime. Because when you know you’re properly covered, life becomes more enjoyable, goals become more achievable and your world is more relaxed than ever.

Besides protecting you and those you care about, we are also passionate about helping you plan for the future. Through the services of our parent company WealthSmart Incorporated, you can build the future you’ve always dreamed about. Get started today, by learning more about your options. Begin by exploring the different kinds of insurance available to you.

How much insurance do you need? Use our convenient guide to calculate the ideal amount for your goals and lifestyle.

What others are saying

I started with Richard many years ago as a referral when I was looking for life insurance. He came highly recommended by a friend and I soon discovered why. Richard is extremely personable and easy to communicate with. He’s punctual and flexible in regard to meeting arrangements. He’s very knowledgeable about the products he sells as well as his competitors. Most importantly Richard is honest and has your best interest in mind. Since initially dealing with Richard for insurance I’ve also looked to Richard for financial advice and have not been disappointed. I would highly recommend Richard Vetter to anyone looking for financial and insurance services.

Rick L.

Customer, Richmond BC

I had the pleasure of working with Richard and his family team in 2016 when I was looking for a term life insurance. After doing a bit of research by myself, I have decided that would be best to work with an expert in the field to guide me in finding the best product for my needs. Their friendly approach and professionalism made it an easy choice for me. While working with the team, I really appreciated their genuine desire to help me find the best solution for my needs, which made me feel comfortable in sharing the context of needing a life insurance product. They were able to give me the best quote on the market which made me very satisfied with the outcome. Thank you guys!

Razvan M.

Customer, Richmond BC

My wife and I are very satisfied with the service Richard, Zinha and Peter Vetter has provided us with. My wife and I needed to renew our Life Insurance’s privileges and they were very helpful, knowledgeable and professionals, and made it super easy to make the changes. They took care of communicating with Life Insurance Company, sent us the papers we needed to sign and it was done! We’re glad we made the switch to a family owned local business in Steveston, Richmond BC. We’re recommending them to our friends.

Liz and Leo M.

Customer, Richmond BC

The Dream Protector is your ultimate tool for protecting the things that matter

InsureSmart offers you a complete range of life, disability and critical illness coverage with virtually every insurer operating in Canada. As an independent agency, we do not have sales quotas and we are not obligated to recommend any one company’s products, so the focus is always on your best interest. This means not only selecting the best policy for you from the myriad of available options, but also supporting you in the handling and settlement of your claim, should you need to make one.

To get started, simply fill out the quick calculator to see how much you need to protect those you care about. We can then help you sort through your options to select the product that best meets your needs.

What matters to you? How much insurance do you need to protect the things that matter?

These are important questions. When it comes to insurance they can mean the difference between wasting your money and making smart choices. Asking the right questions is one reason why our Dream Protector process is so effective at helping you arrive at the ideal insurance solution.

Succession planning from WealthSmart