Benefit Of Working with An Insurance Broker

Access To Multiple Insurance Carriers and A Wide Variety of Products

An insurance agent (or representative, known as a captive agent) works directly for and represents the insurance company.  They are only authorized to sell policies to their clients on behalf of the company that they work for. On the other hand, an insurance broker works with multiple carriers to compare and help the client select insurance products based on their specific needs.  The broker tends to have a broader understanding of various companies’ offerings and key benefits, not just one company.

​Independent insurance brokers have an extensive knowledge of products from multiple insurers​, therefore familiar with the pros and cons of each product.  By working with different insurance companies, they can identify nuances in clauses of insurance contract which are not so obvious to general individuals, and eventually help you avoid pitfalls.

All this allows brokers to craft the most competitive and comprehensive insurance package to suit your needs.

Save You Time

Without an insurance broker, you need to make a request to each insurer that you are interested in for a quote and then compare them by yourself.  It may take you days to make the inquiries and weeks to gather all information together.  While comparing on your own, you may overlook certain features built in policies provided by different insurers, therefore missing out what really matters to you. When you are working with a broker, he/she can efficiently navigate the market, identify policies that align with your specific goals, and make non biased recommendations by their industrial knowledge and experience.​

With all being said, you get to know the best price over a short phone call.  Register to find out the lowest price today.

Expert Advice

​A licensed life insurance broker is dedicated to helping you make sound decisions and to guiding you through the complexity of life insurance procedure.  Since insurance brokers are not incented to sell product of a specific insurance company, they are able to provide valuable insights, clarify any confusions, and assist you in making well-informed choices that align with your financial objectives.

It’s More Personal

Most importantly, your broker works for you, not the insurance company.  They provide expert advice, peace of mind, and flexibility when it comes to your insurance.

Don’t like talking on the phone?  No problem.  After getting in touch with the broker, you can choose to interact via phone call, text message or email.  All communications aim to understand your situation thoroughly and therefore provide you with the best-informed recommendations.

Find the right insurance

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Wei Shen

Before starting her career as an insurance broker in 2021, Wei Shen was an architect and interior designer, and had worked on various projects located in Montreal, China, and the US. Taking on the role of a financial advisor provides her a range of opportunities that is available in few career fields, which allows her to have helped clients make suitable decisions for a financially healthy future and offered them valuable advice when it comes to purchase of insurance.

Hervey Gauthier

Following his sciences and actuarial mathematics academic, Hervey Gauthier started his insurance career in 2009 and as a financial advisor since 2013. Throughout the years, he has worked as an independent insurance broker with thousands of Canadians helping them with their purchase of life, disability, and CI insurance. He also holds the Chartered Investment Manager CIM title from the Canadian Securities Institute.