About Us

Life Insurance and Employee Benefits Advisors

Welcome to Shelter Bay. I’m glad you’re here and confident that our life insurance and employee benefits brokers can be your catalyst to the right life & health insurance coverage or employee benefits program.

Changes in technology and consumer confidence with the internet have dramatically changed the way life insurance brokers work. The majority of our insurance applications are now completed online and over the phone using simple screen share technology.


We send you an email or text link so you can see our computer screen and the application that we see – then at the end of the application, we pass you the control of the mouse for your signature.

I believe these changes are an opportunity to serve our customers more efficiently with less time driving and more time for the work we do. Our schedules are more flexible for evening and weekend applications.

Now even those in the most remote communities can access the very best brokered insurance policies available in Canada.

With a Broker … Insurance Carriers Compete for Your Business.

As Independent brokers, we work for you and not any single insurance carrier. We survey the Canadian insurance market on your behalf and recommend the most suitable solution. We’ll find the best fit at the lowest possible price… that’s our promise to you.

With our instant quoting system you can easily see a broker survey of life insurance pricing from all Canadian Insurance carriers.

Note: multi-life, special risk, simple issue and guaranteed non-medical insurance policies are priced a little differently and require a custom quote.

There are many options and using a life insurance broker is the only way to get the best value.

Our collective goal is to find the right solution for you. We aim to build a strong relationship built on friendly service and dependable advice. Our view is long term, we hope to earn your trust and be your main resource for Life & Health Insurance and employee benefits matters.

Personal Regards,
Tom Castonguay, CFP

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