Life insurance is offered at insurance agencies—find the right insurance package by meeting with an insurance agent. Full-service insurance brokerage firms offer life insurance coverage that protects the financial security of the people you love by paying a tax-free cash benefit to your beneficiaries. The amount of insurance coverage you choose and type of life insurance package you buy should be based on your circumstances and needs. Turn to the West Kootenay BetterBook for a comprehensive list of insurance companies. Types of life insurance include term life insurance, permanent life insurance, participating life insurance and universal life insurance. Variable life insurance policies allows investments in stocks, bonds and mutual funds; speak to a certified insurance advisor to learn more about life insurance policies.