Insurance Strategies for Life, Business & Estate.
Independent insurance advice for individuals, professionals and Canadian business owners. 20+ carriers compared, one honest answer. If you're already covered well, Gavin will tell you.
Trusted by 200+ Alberta families
Free. No obligation. Takes 2 minutes.
20+ Carriers
Compared for you
$0 Cost to You
Unless a policy is placed
Personal Insurance
For individuals and families. Term and whole life, disability, critical illness — compared across 20+ Canadian carriers.
Business & Estate
For incorporated business owners, professionals, and their CPAs and lawyers. Corporate wealth transfer, succession, and estate liquidity.
For Business Owners
When Insurance Becomes a Planning Tool
Beyond personal protection, insurance is also a planning tool once a business or an estate reaches a certain size. Recognize your situation:
Your corporation has accumulated money you don't expect to spend.
Your business represents a large portion of your estate.
One child will inherit the business and another won't.
Your estate may face a substantial tax liability.
Your business partner's shares would need to be purchased if they died.
You're planning an estate freeze or business succession.
As seen in
The Globe and MailFree · No Obligation · 30 Seconds
Get the Right Coverage.
Simple. Fast. Personal.
Tell us what you’re looking for and we’ll match you with the best options.
Your information is secure and never shared.
Why FrankCover
Why Families Choose FrankCover
There's a difference between getting insurance and getting the right insurance.
Independent — not owned by a bank
No quotas. No affiliation. We work for you, not a financial institution.
Licensed advisors, coast to coast
Founded in Alberta and regulated by the AIC, with partner advisors licensed across Canada.
Individually owned policies
You own your coverage — not your bank. It follows you if you move, refinance, or switch lenders.
Transparent comparison process
You see what we see. We show you the options, explain the tradeoffs, and let you decide.
No-pressure consultations
No hard sells. No follow-up harassment. If it's not the right fit, we'll tell you.
Direct access to a real advisor
You talk to one person, start to finish. Not a call centre. Not a bot.
What Frank Covers
Every product. One independent advisor.
Ever asked yourself is critical illness insurance worth it? We break down the real numbers in our free guide.
Tax-Free Health Benefits
Turn your family's dental and medical bills into business deductions. Alberta's most underused tax tool.
See How Much You Could Save →Income Protection
1 in 3 Canadians are disabled for 90+ days before 65. Protect your paycheque.
Get a Free Gap Analysis →Mortgage Protection
Your bank's mortgage insurance protects the bank. Independent coverage protects your family.
See What Your Bank Isn't Telling You →Critical Illness Insurance
Alberta Health covers treatment. Not your mortgage. Not your lost income. CI insurance bridges that gap.
Find Out What CI Costs →Life Insurance
Term, whole life, permanent — Gavin compares 20+ companies and recommends what's right for your situation.
Compare Alberta Rates →We Work With Canada's Leading Insurance Providers
So you're not limited to one bank's product.
AIC Licensed
Alberta Insurance Council
Your Advisor
Who You'll Be Working With
I'm Gavin Dyer — I've been in the insurance industry since 2006 and licensed since 2007. I founded FrankCover after nearly two decades watching families get sold the wrong coverage by bank reps with quotas and no incentive to tell them otherwise. I named this brokerage "Frank" because I believe insurance advice should be exactly that: frank, honest, and completely transparent.
Today, we're a team of independent advisors with licensed partners across Canada. We're not tied to any single carrier — when we compare your options, the comparison is real. We look at the market, show you what we find, and give you a straight answer.
You'll always work with a real advisor — not a call centre, not a bot. One conversation, clear advice, no pressure.
The process is the same whether you're insuring your family or your corporation: understand your situation, compare real options across carriers, and recommend what actually fits. For business and estate cases specifically, that means coordinating directly with your accountant and lawyer before anything is implemented — Gavin handles the insurance analysis; your accountant and lawyer confirm the tax and legal structure. Frank Cover is an insurance advisory, not an accounting, legal, or tax-planning firm.
- In the industry since 2006 — licensed in insurance since 2007
- Founded FrankCover — built from years of independent advisory experience
- AIC Licensed: M-124004-SP-2025 (Life – Agent) · Q-124004-SP-2025 (Accident & Sickness)
- Independent access to 20+ Canadian insurers — including Canada Life, Manulife, Sun Life and RBC Insurance — with no bank or single-carrier affiliation
- Advises on personal life, disability, critical illness & HSA, and on corporate/estate insurance for incorporated business owners
- On corporate and estate cases, works alongside your accountant and lawyer — Gavin isn't a tax, legal, or accounting professional
- Based in Calgary, AB — serving individuals and business owners across Alberta
No obligation. No pressure. Just clear answers.
The Process
How It Works
Four steps. Clear at every stage. No surprises.
Request a Quote
Tell us a bit about yourself — takes 2 minutes. No pushy questions, no credit check.
Compare Options
We pull quotes from multiple carriers and walk you through the differences honestly.
Apply Online
When you're ready, applications are handled digitally. Fast, simple, no paperwork chaos.
Own Your Coverage
Your policy belongs to you — not your bank. It follows you wherever life takes you.
Learn
Free Guides for Alberta Families and Business Owners
Physician Disability Insurance
Best Disability Insurance for Physicians in Canada
There's no single best carrier for every physician. See how Manulife, Sun Life & Canada Life actually compare.
Health Spending Account
HSA vs FSA in Canada — What's the Difference?
These terms get used interchangeably. Here's what actually means what for Alberta business owners.
Disability Insurance
Disability Insurance for Self-Employed Professionals
If you're self-employed in Alberta, you are your own safety net. Here's what that means.
The Comparison
Bank Insurance vs. Frank
Most people don't know what they're missing.
Full Transparency
No fine print. Ask us anything.
How We Get Paid
Insurance carriers pay us a commission when a policy is placed. You pay the same rate whether you use us or go directly. If no policy is placed, we earn nothing.
What We See, You See
Every quote, every carrier comparison, every detail — we share it all. There's no hidden option we're holding back. You see the full picture.
No Obligation. Ever.
Our conversation is free. Our review is free. If you decide not to move forward, that's fine. We don't follow up 10 times. Your call.
Free · No Obligation · 2 Minutes
See Your Best Options in Minutes
Answer a few quick questions. We'll match you with the right plan and real pricing — no pressure.
Free. No obligation. Your info stays private.
FAQ
Common questions. Straight answers.
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