Insurance brokers in Canada

Experior Financial Group can compare quotes and connect you with the best home, health, life, car and travel insurance brokers of Canada.

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Health and life insurance brokers in Canada

Choosing insurance is easier with a broker who can compare the market, explain the fine print and help you choose coverage that fits your life.

1. Life Insurance

Life insurance protects the people you love if something happens to you.

Term life insurance: Coverage is usually for a set period, 10, 20 or 30 years. If you pass away during the term, your beneficiaries receive the benefit.

Whole, universal, and permanent life insurance: Coverage lasts your entire lifetime as long as premiums are paid. Some policies, such as whole or universal life, build cash value you may be able to access while you’re alive, though this is not always guaranteed. Others, such as Term to 100 (T100), provide lifelong protection without a cash value component. These products typically cost more than term insurance but can be useful for long‑term planning, estate needs, or leaving a legacy.

2. Critical illness insurance

Critical illness insurance pays a tax‑free lump sum if you’re diagnosed with a covered condition under your policy. You can use the money to pay treatment, bills, or anything that helps you focus on healing.

3. Disability insurance

Your income is your biggest asset. Disability insurance replaces part of your earnings if an illness or injury keeps you from working. It helps you stay financially stable while you recover.

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Frequently Asked Questions

Do auto insurance and life insurance brokers go with the company that pays them more?

Typically, all insurance companies pay the insurance brokers the market rates; hence, a good broker should always focus on looking out for the client’s interest.

Do insurance brokers' clients pay more because of the added service?

The short answer is: NO. If you call the insurance company or the insurance broker directly, you will get the same price; there are no discounts.

This is another advantage given to the clients, primarily because the cost of insurance is exactly the same; hence, being a customer-centric service, an experienced insurance broker will be able to get you a strong plan within your given budget, without charging extra for personal services.

How do I know the insurance broker is giving me the right insurance plans?

An experienced insurance broker will follow a systematic approach. They will start by asking you questions regarding your main concerns, insurance needs, and budget. Then, they will inquire about your future financial plans. Such information will help them navigate through the market for the best insurance rates for you and your family.

What about the insurance company they help select? How do I know they will pay?

Insurance companies have strict policies regarding payments in genuine cases, especially Life Insurance companies. As long as your application is honest and falls under the terms of your insurance plan, the company will pay for your expenses, where required.

What is an Insurance Brokers Association?

An insurance brokers’ association is an association that keeps up with what is going on in the industry regarding the rules, laws, and regulations. They pass this information on to the brokers so that the insurance brokers can stay compliant with the market regulations. An insurance agent or insurance brokerage can also be a part of the insurance brokers’ association.

With COVID, I am nervous about having someone I don't know in my home, but I know I really need a broker, are there options for me to get an insurance quote?

Keeping up with the recent COVID-19 regulations, insurance brokers are available to contact via email. You can get an insurance quote through email, or your broker can start with a virtual meeting. Such steps allow you to be in the comfort of your home. These types of interactions help to keep people safe by using virtual methods of communication.

Ok, so now I know how to pick an Insurance Broker but, what about an insurance brokerage?

Assess what is important to you. Do you want just an insurance quote? Is this a long-term business relationship? If this is a long-term business relationship, make sure you enjoy their business practices. Look at their website; is it professional? Do they offer the services that will help you with your goals? Do they give advice? Can they help me by phone? Do they have availability in my province if I need a home visit? Answering these questions will help you assess what you require.

Once I become a consumer, how often should my insurance broker reach out to me?

This is something that should be discussed between you and your insurance broker. However, the minimum you should be in touch with your insurance broker to make sure that your needs are being met would be once per year. Anything more often would be based on the services you need or if any changes to your financial situation.

What things should I consider while choosing an insurance broker?

There are three main elements to consider while choosing an insurance agent, which are:

Cost – Does the quote for insurance products fall within your budget and meet your insurance needs?
Convenience – Was it easy, and did your broker save time for you by doing the heavy lifting and getting you the best insurance products for your budget?
Professional assistance – Did your insurance broker quote you on the products that benefit you most while looking out for your best interests?

My spouse does not speak English; how do I find a broker who speaks our language so my spouse can understand also?

It is extremely important that you both understand and agree to all financial clauses presented to you by your insurance broker. As a customer, you can call the brokerage and ask if they have a person who speaks the language you need.

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