Insurance Carriers
The Carriers Frank Shops For You
Frank is contracted with 20+ Canadian life and health insurers. Independence means the right carrier for your situation — not the one the agent is contracted to push.
Frank Says
A captive agent works for one carrier. A bank employee works for the bank. Frank works for you — which means the carrier that wins your business is the one that's actually best for your situation. Rate tables, underwriting guidelines, claims reputation, and product design all factor in. You see the comparison. You make the call.
Manulife
Canada's largest insurer · Strong term life & CI
Sun Life
Best-in-class critical illness products
Canada Life
Strong individual & group disability
iA Financial
Competitive disability pricing
Empire Life
Competitive term life rates
Equitable Life
Excellent participating whole life
Assumption Life
Flexible underwriting for some health situations
Desjardins
Solid product suite across life & disability
Foresters Financial
Competitive & member-focused carrier
RBC Insurance
Strong brand, accessible products
BMO Insurance
Solid term life offering
Co-operators
Canadian mutual — broad product range
Ivari
Formerly Transamerica Canada
Beneva
Quebec-based mutual, national reach
SSQ Insurance
Group and individual products
+ Additional carriers
depending on product type
Carrier availability depends on product type and province. Not all carriers are available for all products.
Why It Matters That Frank Shops All of Them
The carrier that offers the best term life rate for a 35-year-old healthy non-smoker is not necessarily the best choice for a 45-year-old with controlled hypertension. Underwriting guidelines differ dramatically between carriers for the same health condition.
Some carriers have formal programs for clients with type 2 diabetes. Others rate them heavily. Some are known for strong critical illness products. Others are better for disability coverage in specific occupations. This knowledge — built through experience across 20+ carriers — is the core of what Frank provides.
Gavin Dyer
AIC Licensed Insurance Advisor, Alberta
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