About Frank Cover
Independent Insurance Advice in Calgary
Frank Cover is run by Gavin Dyer — an AIC-licensed independent insurance broker based in Calgary, Alberta. The entire model is built on one principle: Frank works for you, not for an insurance company.
That means Frank is contracted with 20+ Canadian insurance carriers and has no obligation to place business with any particular one. When Frank recommends a carrier, it's because that carrier is the right fit for your situation — not because of a quota, a preferred relationship, or a higher commission.
Gavin Dyer
AIC-Licensed Insurance Broker · Calgary, Alberta
Frank Says
I spent years in the financial services industry watching people get sold products that were good for the advisor's commission — not their family.
Banks push creditor insurance at the mortgage desk because it's profitable and easy. Captive advisors recommend what their shelf carries. Nobody's shopping the market. Nobody's telling you what the commission structure looks like or why they're recommending what they're recommending.
That bothered me enough to do something about it.
Frank Cover exists because people deserve straight answers. The name isn't a gimmick — it's the whole point. Frank means I'll tell you what a product actually costs, what it covers, and whether it's the right fit for your situation. If it's not, I'll tell you that too.
I'm AIC-licensed, independent, and contracted with 20+ Canadian carriers. When I recommend something, it's because it's the right fit — not because of a quota, a preferred relationship, or a higher commission.
That's it. That's the whole story.
— Gavin Dyer, Frank Cover
Why Independent Matters
No Bank Bias
Banks sell their own products. Frank sells from 20+ carriers. The best one for you wins — not the one that benefits the bank.
AIC Licensed
Regulated by the Alberta Insurance Council under the Alberta Insurance Act. Your interests are protected by provincial law.
$0 Unless Placed
Frank is compensated by the carrier only if a policy is placed. If nothing fits, you pay nothing. No retainer, no consultation fee.
How Broker Compensation Works
Frank's compensation is paid by the insurance carrier when a policy is placed. The client pays nothing directly to Frank — ever. This is how all licensed brokers in Canada are compensated for life and health products.
This creates a real alignment of interests: if Frank doesn't find the right coverage for you, there's no policy placement, and no compensation. Frank's incentive is to find coverage that actually fits your situation and that you'll keep for years.
The commission structure also means that term life insurance pays a lower commission than whole life insurance. Frank recommends term when it's the right fit — and whole life when it is. If you're ever curious about the commission on a product Frank is recommending, ask. Frank will tell you.
Carriers Frank Works With
Client Testimonials
"Frank saved us $180/month by switching from our bank's mortgage insurance to a proper term policy. Same coverage, way less money."
Sarah M. · Calgary, AB · Mortgage protection
"He actually told me I didn't need to change my existing policy. What insurance person does that? I sent him three referrals."
James K. · Edmonton, AB · Policy review
"No pressure, no scripts, no follow-up calls every week. He explained everything, gave me time to think, and I signed when I was ready."
Priya D. · Red Deer, AB · Term life insurance
Gavin Dyer
AIC Licensed Insurance Advisor, Alberta
Get Your Free Coverage Review
Free. No obligation. Takes 2 minutes. If you're already covered well, Gavin will tell you.