25 insurers we work with
We are an independent brokerage: no single insurer employs us, and our advice isn't tied to one company's products. We can place your coverage with 25 Canadian insurers — and that independence matters most when your situation isn't straightforward, because insurers genuinely differ on the same file.
Carriers we place most often
BMO Insurance Life, critical illness and annuities from Bank of Montreal's insurance arm. 
Canada Protection PlanNo medical No-medical specialist — simplified and guaranteed issue up to $500,000. 
iA Financial Group One of Canada’s largest insurers, with a broad life, disability and critical illness shelf. 
Manulife Canada’s largest insurer; life, critical illness and the Vitality wellness program. 
RBC InsuranceNo-medical option Life, disability and critical illness, plus guaranteed acceptance life. 
Sun Life One of Canada’s oldest and largest insurers; life, critical illness and guaranteed products. 
Assumption LifeNo medical Moncton-based mutual known for simplified-issue and no-medical products. More carriers we can place you with
Beneva Canada’s largest insurance mutual, formed by La Capitale and SSQ. 
Canada Life One of Canada’s largest insurers; life, disability and critical illness. 
Co-operators Canadian co-operative insurer with life and investment products. 
Desjardins Insurance Insurance arm of the Desjardins financial group. 
Empire Life Kingston-based insurer; term, whole life and critical illness. 
Foresters Financial Fraternal insurer offering life coverage with member benefits. 
ivari Toronto-based insurer focused on individual life insurance. 
Serenia Life Financial Fraternal, not-for-profit life insurer (formerly FaithLife Financial). 
Specialty Life InsuranceNo medical No-medical and guaranteed-issue life specialist. 
TD Insurance Term life and critical illness from TD. 
UV Insurance Quebec-based mutual with life and investment products. 
Wawanesa Life Life insurance arm of the Wawanesa mutual group. Health, dental & travel
GreenShield Health and dental benefits. 
Blue Cross Health, dental and travel coverage. 
Destination Travel Group Travel insurance, including visitors to Canada. 
Ingle International Travel and international health insurance. 
Secure Travel Travel insurance solutions. 
Orange Benefit Fund Fraternal benefit society providing health and welfare benefits. How we choose between them
We match your file to the insurer whose underwriting will treat it best. For harder files we pre-check anonymously with two or three carriers before anything formal is submitted. Before you apply, you receive written disclosure listing the insurers we represent, as required by FSRA.
Common questions
Is it cheaper to buy directly from the insurance company?
No. Life insurance premiums in Canada are filed rates. The price is the same whether you buy directly or through a broker. What changes is that a broker compares carriers for you and advocates for your file, at no extra cost.
Why does the choice of insurer matter?
Because insurers assess the same application differently. A build, a condition, or an occupation that one carrier rates heavily, another may accept at standard rates. Matching your file to the right insurer is most of the value we provide especially for harder-to-insure situations.
Do you represent all of these insurers equally?
We place business wherever your file is treated best. Before you apply, you receive written disclosure of the insurers we represent and how we are compensated.
Availability of specific products varies by insurer and province. Insurer names and logos belong to their respective owners; their appearance here indicates a distribution relationship, not sponsorship or endorsement.