Life Insurance Waterloo
A Trusted Life
Insurance Company
Shelter Bay is an independent insurance brokerage. We operate as brokers, providing our members with access to some of the best insurance policies in Waterloo. And, since we are brokers, we are not obliged to push specific products or meet sales targets. Our brokers will only suggest life insurance coverage that will benefit you.
We put you first. That’s the difference between Shelter Bay and other insurance companies.
Plan for the unexpected and protect your family. Buy life insurance today.

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How Much Coverage
Do You Need?
Many of our clients come to us because they don’t know what coverage they need or what is available to them. They often explain to us that they never bought a policy because they never realized one—at least until they were older, had kids or grandchildren.
Term life insurance offers coverage for a certain period of time. You can purchase a policy for a term, allowing you to get coverage when you need it most. And, if something were to happen to you during this period, each beneficiary will receive their claims.
Universal Life Insurance, Canada
Coverage For Your Whole Life
Life is full of changes; you age, change careers, try new hobbies, and reach retirement. Amongst all this, the one thing that won’t change is your coverage. Universal life insurance provides coverage for your entire life, so you won’t have to worry about your policy ending. You can trust that your beneficiary will receive the amount owed to them.
Trying to decide whether universal life insurance is right for you? Call us today to learn why universal life insurance can be one of the best investments you make.
Shelter Bay is proud to offer a variety of investment products for you. Whether you are looking for one person or your company employees, we can help you access some of the best insurance products in Canada.
Our services extend to:
- Travel health insurance
- Critical illness insurance
- Group health insurance
- No Medical Life Insurance
- And more!

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We Only Provide
Honest Advice
Shelter Bay is committed to providing honest, reliable service to our clients in Ontario. We will only suggest insurance policies that benefit you, your family, and your financial goals.
If you have any questions, you can trust that we won’t give you a sales pitch. We will only offer answers. We can help you make an informed decision about what policy is right for you.