As fully independent brokers, we are not affiliated directly with any particular insurance company.

We work with over 20 different insurance companies to find you the best product and solution for your specific situation.

We never have to pay us for any consultation.

As brokers, we are compensated by the financial compnaies that you do business with.

Our office is located at:

15 Allstate Parkway

Suite 683

Markham, ON

Yes, our advisors are licensed to sell insurance in the provinces of Ontario and British Columbia.

Whether you buy insurance directly from the insurance company or a broker, the price is going to be the same.

By law, companies must offer the same premiums for the same products accross all channels.

However, when you buy directly from an insurance company, you are missing the opportunity to compare the product that you are buying to other products in the market.

We proud ourselves by being extremely flexible when we conduct business with clients.

Want to stay at the confort of your home and have us visit? We can do that*

Prefer to have an online meeting? No problem. We can connect via video call.

Want to visit us at our office? We welcome you**

*subject to location accessibility

**by appointment only

We work and offer all types of Life Insurance available in the market.

Term, Whole Life, Universal Life & No-medical or Simplified insurance are amongst the most common types of insurance that we work with.

Life insurance requirements to apply for coverage vary from company to company.

Depending on the company, age & amount of coverage, the application process can range from a simple application containing a medical questionnaire to full medical exams and credit checks.

Life Insurance provides a financial sefety net by providing a lump sum payment to the beneficiary of the insured person if the insured person were to die.

This payment can be used to offset the financial loss from the insured dying.

The major financial loss that family experience when a loved one passes away is the loss of income into the household.

Life Insurance covered the insured person in the event of death. Period. It does not matter what the cuase of death was.

However, all insurance companies have a 2-year suicide exclusion from when the policy first became active or from its last reinstatement.

The truth is that Life Insurance is a black or white contract.

Many people often believe (based on experience from other types of insurance) that companies will find a way to not pay".

However, when it comes to making a Life Insurance claim, the only proof required by the insurance company is that the person did in fact die. It does not matter what they died from (except for the 2-year suicide clause).

So, when making a claim there is only a binary outcome; the person is dead or alive. Unless they are a zombie or a vampire, it's hard to disproof that a person is not dead.