Shelter Bay Get an instant survey of Life Insurance Quotes from all carriers. Then buy online. Life Insurance Quotes We’re here to help you offer the best benefits to attract and retain staff. Employee Benefits Programs As independent brokers, we work for you – NOT the insurance company. Learn more …

Life Insurance Brokers

As life insurance brokers we work for you – not the carriers. Reliable advice and a competitive quote involve more than just asking a couple questions.

As independent advisors we enjoy the flexibility of using any of Canada’s top insurance carriers.

We’re happy to show you a survey of rates from all carriers. However, the real value in working with us is know which insurance companies are the best for each unique situation and insurance type.

Not all life & health insurance policies are the same – it’s critical to work with a life insurance broker that can explain the differences and get you the information you need to make informed decisions.

For employee benefits & group health insurance programs you’ll appreciate having a specialist.

You wouldn’t want any old goalie in net for the big game and the same rationale applies to your employee benefits program. You need a professional working with you to deliver a robust program within your budget.

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Brokered Quotes

Search the internet for 5 seconds or less and you’ll find no shortage of online life insurance brokers offering free quotes or the cheapest rates.

It’s a competitive business with brokers and agents competing for the opportunity to have a conversation with you.

The quotes and rate surveys are the easiest thing we can do for you because all get the same pricing on life insurance, critical illness insurance and disability insurance.

Yes, it’s true, the carriers set their price for each age band and every broker gets exactly the same price.

However, not each carrier offers the same contractual privileges, conversion options, enhancement riders and payment terms. Most have electronic applications – some are quite good while others are terribly frustrating.

You can find the lowest pricing on your own or with some help. The benefit of working with a specialist is the consultation to find the best fit and ongoing service for life.

When someone asks you who your life insurance broker is, you should be able to mention our name with confidence.

We’re in business for the long term.

Insurance Brokers vs Agents

There are many different carriers for a reason, not all of them can be the best for every single situation or there would only be one insurance company in Canada.

The main concern with an agent is they can usually only sell products of their one company. Agents will rarely, think never, provide a survey of rates from all carriers.

A life insurance broker is like having 15 company agents. A broker has software that pulls pricing and policy details from each company with the press of a button.

A company agent usually doesn’t have all the tools – and if you only have a hammer, then everything is a nail.

Service By City and Province

We are licensed brokers contracted with all the top Canadian carriers.

We sell life and health insurance in British Columbia, Alberta and Ontario; including the following cities and everywhere in between:

British Columbia

Vancouver

Surrey

Burnaby

Abbotsford

Coquitlam

Kelowna

Langley

Victoria

Prince George

Kamloops

Alberta

Calgary

Edmonton

Red Deer

Strathcona County

Lethbridge

Airdrie

Wood Buffalo

St. Albert

Grand Prairie

Medicine Hat

Ontario

Toronto

Ottawa

Mississauga

Brampton

Hamilton

London

Markham

Vaughan

Kitchener

Windsor

Our licensed professionals are ready to answer your questions and guide you through the process from quoting to implementing a program.

We’ll help you at your pace and make the experience comfortable and easy.

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