Life insurance
Term and permanent coverage to pay off the mortgage, replace income and give your family time to adjust.
For parents, homeowners and anyone with people who rely on them.
Port Coquitlam · serving clients across BC
Protection and planning for families and small businesses
Life, critical illness and disability insurance for individuals, and group health, dental, life and disability plans for employers. Clear advice, options from several Canadian insurers, and someone to call when you need it.
For individuals and families
Coverage that fits your life and your budget
Most people need less insurance than they fear and more than they have. We help you find the right amount, and nothing you don't need.
Critical illness insurance
A tax-free lump sum if you're diagnosed with a covered illness such as cancer, heart attack or stroke, so recovery comes first.
For anyone whose savings couldn't cover months off work.
Disability insurance
Monthly income if illness or injury stops you from working, with a waiting period and benefit period chosen to match your savings.
For the self-employed, trades and professionals.
Financial planning
A clear picture of your protection, savings and retirement goals, and a practical plan to reach them.
For households at a turning point: a new home, a new baby, a new business.
For employers
Group benefits built for small businesses
A benefits plan helps you hire and keep good people. We design it, set it up and stay with you for every renewal.
- Plan design that fits your budget. Choose who's eligible, how costs are shared, and each benefit's level, from basic health and dental to full disability coverage.
- Quotes from several insurers. We compare leading Canadian insurers side by side so you see the trade-offs, not just the price.
- The administration handled for you. We set the plan up, then take care of the routine work: new hires, life events, departures, bill checks and employee claim questions. Your part is telling us who joins or leaves.
- An annual renewal review. We explain what's driving your rates and re-market the plan when it's no longer competitive.
Health and dental
Prescription drugs, paramedical care, vision and dental.
Life and AD&D
A flat amount or a multiple of each employee's earnings.
Disability
Short- and long-term income replacement, with the waiting periods you choose.
Spending accounts
Health or lifestyle accounts that give employees choice at a fixed cost.
New free guide: what a plan covers, how premiums are taxed, and what it costs a business to go without one.
See the free guidesFree guides for BC employers
Read the guides before you decide
Two plain-language guides: one on what a group plan gives your team, one on running it well. Both are free to download.
New · October 2026 · 8-page PDF
Group benefits for your BC small business
Prescription drug, extended health and dental coverage explained for businesses with 2 to 50 employees, including how the pay-direct drug card works and how premiums are taxed for your staff.
$1,220lost when a $3,000 benefit is paid as wages instead
≈ $12,600typical cost of replacing one $60,000 employee
1 in 3Canadian workers would quit for better mental-health benefits
- 01The cost of going without a plan
- 02Drug coinsurance from 50% to 100%
- 03Paramedical, vision, hospital and travel
- 04Basic, major and orthodontic dental
- 05How premiums are taxed for employees
- 06The admin FPS takes off your desk
Figures are illustrations: the tax example assumes a BC employee earning $60,000 at 2026 tax, CPP and EI rates. Sources are listed in the guide.
9-page PDF
Your role as benefits plan administrator
For the owner, office manager or bookkeeper who runs the plan: core duties, contributions and tax, BC compliance, the employee lifecycle and a yearly calendar.
How we work
Straightforward from the first call
We listen first
We learn about your family or business, what you already have and what worries you, before recommending anything.
We compare the market
We bring you options from several insurers and explain the differences in plain language, including the costs.
We stay with you
Life changes. We review your coverage when it does, and help you or your family if you ever need to claim.
Lourens le Roux
- Role
- Founder and insurance advisor
- Licence
- Licensed insurance agent, Insurance Council of British Columbia
- Advising since
- 2019
- Based in
- Port Coquitlam, BC
About FPS
A local practice with a personal approach
FPS Financial Planning Services Ltd. is led by Lourens le Roux. You deal with the same person from the first conversation to the day you need to claim, whether you're protecting your family or setting up benefits for your staff.
Our approach is simple: explain the options clearly, recommend only what fits, and be there after the policy is in place. Because we work with several Canadian insurers, our recommendations start with your needs, not a single company's products.
Contact
Book your free review
Send a short note about what you'd like to review — personal coverage or a benefits plan for your business — and Lourens will reply to set a time that suits you.
Email
Meetings in person in Metro Vancouver, or by phone or video anywhere in British Columbia.