June 11 update ;

   Insurance companies are now getting back to in person health tests. Online processing of applications is here to stay, call anytime for updates as they happen.   

   April 2020

With covid19 here I encourage everyone to maintain the regulations provided by local and provincial government =  social distancing and stay safe.


   Good news, for helping you with insurance needs, all processing of insurance applications can be done electronically. With phone calls, emails and online applications (including signatures), the whole cycle of insurance processing is completed.


  Insurance companies have adapted well regarding health tests for insurance purposes. Usually, physical tests are done by a trained paramedical person hired by the insurance company. These include blood, urine and other biometric tests. Most companies are now offering insurance with no testing up to certain amounts of coverage. As an example, my clients between 18 - 50 can now get life insurance for up to $1 million of coverage without physical tests. This means an easier, less intrusive experience, and faster decisions by the underwriting department at the insurance company.


Please don’t hesitate to call or email now with your enquiries.


Peter Wolgram, CPA/CGA

Insurance Advisor

(BC and Alberta)

Vernon, British Columbia.

Certified General Accountant Chartered Professional Accountant







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Wolgram Financial Services is my trade name. I work as an independent Insurance Agent,  licensed in British Columbia and Alberta.  I am contracted to work with many Canadian insurance companies including   Manulife,  Industrial Alliance,  Sunlife,  IA Excellence,  RBC,  Desjardins,  Ivari and  Blue Cross.

My MGA  (managing general agent)  that processes my paperwork and helps me with individual cases is PPI of BC. 

This website is not deemed to be used as a solicitation in a jurisdiction outside of BC or Alberta.

The information provided on this website and in my practice were obtained from sources I believe are reliable, or are my own views, and are not guaranteed and may be incomplete.  Please do contact for updates and more information.

All information gathered is held as confidential. I conform to the Insurance Council of BC rules and code of conduct.