Insurance strategy forBritish Columbia's real-estate-rich estates.
BC families hold a distinctive kind of wealth — property-heavy, gain-laden, and expensive to transfer. Tanya Michel is licensed across the province and builds the insurance layer that lets BC estates pass on what they've built, intact.
Where the wealth is real estate, the planning is liquidity.
Decades of appreciation have made British Columbia home to some of Canada’s most valuable — and least liquid — family estates. A Vancouver house, a Kelowna acreage, an income property or two: substantial wealth on paper, with a deemed-disposition tax bill waiting at death and precious little cash earmarked to pay it.
Insurance answers BC's signature problem directly: a permanent policy sized to the projected liability delivers generally tax-free liquidity at exactly the moment the estate needs it — so the family keeps the properties that matter instead of selling them on a probate timeline into whatever market that year offers.
Tanya serves BC clients virtually from her Grande Prairie base, licensed through the Insurance Council of British Columbia, with the same practice focus she is known for: permanent coverage, corporate-owned strategies for incorporated professionals, and estate funding designed with your accountant and lawyer at the table.
From the coast to the Peace.
Strategies matched to BC balance sheets.
Estate tax funding
Permanent coverage sized to the deemed-disposition liability on BC real estate and portfolios.
Joint last-to-die design
Efficient second-death coverage — the standard architecture for couples funding an estate's tax bill.
Corporate-owned insurance
Corporate-dollar funding and CDA pathways for BC's incorporated professionals and owners.
Whole & universal life
Guaranteed and flexible permanent structures, compared honestly across insurers.
Critical illness coverage
Living benefits for households carrying BC-sized mortgages on single points of income.
Wealth transfer design
Named-beneficiary and probate-aware structures that move value directly, privately, promptly.
Whether it's a Point Grey principal residence, an Okanagan orchard, or a Victoria professional corporation — the plan starts from what BC families actually own.
Independent advice, without the downtown overhead.
Property-literate planning
BC estates are real-estate stories. Tanya's models start from the properties — cost bases, gains, intentions — and size the insurance to the family's actual keep-or-sell decisions.
Virtual-first convenience
Evening and daytime video consultations that fit Lower Mainland schedules and Interior distances alike — with every document handled electronically.
Independence across carriers
Canada's major insurers, compared side by side. Recommendations follow your numbers — never a shelf, never a quota.
Working with Tanya in BC, answered plainly.
Is Tanya licensed to advise BC residents?+
How does insurance help with BC probate fees?+
Our wealth is mostly our home — is planning still relevant?+
Can Tanya coordinate with my BC accountant and lawyer?+
Related pages worth a look.
Keep what BC took decades to give you.
A no-obligation consultation, virtual anywhere in the province — bring your property list and your questions.