How long does the whole process take?

From initial contact to policy in force: typically 4–8 weeks for standard individual life and disability insurance. Some simplified or no-medical products can be approved in 24–48 hours. Frank will give you a realistic timeline based on the product type and your health profile.

Do I have to take the policy Frank recommends?

No. Frank presents options and a recommendation. You choose. If you want to think about it, take the time. If you want to explore a different option, Frank will run the numbers. There's no pressure at any point in the process.

What if I have a pre-existing condition?

Frank assesses this upfront in the discovery call. Some conditions have no impact on insurability. Some result in exclusions or premium adjustments. Some limit options. Frank will give you an honest assessment before you apply — so you're not wasting time on applications that won't be approved.

Can Frank help me in cities other than Calgary?

Yes. Frank is AIC-licensed province-wide in Alberta and serves clients across the province remotely by phone and video. Edmonton, Red Deer, Lethbridge, Medicine Hat, Fort McMurray — all served.

What if I already have some coverage?

Frank reviews what you have first. If your existing coverage is adequate, Frank will tell you. If there are gaps or you're overpaying, Frank will show you exactly where and what the alternatives are. A policy review is part of the free initial consultation.

FrankCoverAIC-Licensed Insurance Broker · Calgary, Alberta

(403) 536-6897

How It Works

From First Call to Full Coverage

Name: Frank Cover
Address: Calgary, AB, Calgary, AB, T2P, CA
Telephone: (403) 536-6897
Price range: $$

Six steps. No pressure at any point. Frank's job is to find the right coverage for your situation — not to close a sale.

AIC Licensed · Alberta

Independent — 20+ Carriers

$0 Cost Unless Policy Placed

No Bank Affiliation

Book Your Free Review

Fill out the 2-minute form. No commitment, no obligation. Just tell Frank what you're working with.

Discovery Call

Gavin learns your situation — employment status, health, family structure, existing coverage, and goals. 20–30 minutes. Honest conversation.

Carrier Shopping

Frank runs your profile against 20+ carriers. Not just the cheapest rate — the right carrier for your health profile, occupation, and coverage needs.

Your Options Presented

Clear comparison. Frank's recommendation. Honest explanation of the trade-offs. No pressure to sign anything.

Application

Frank handles the paperwork. Coordinates medical requirements if needed. Follows up with the carrier so you don't have to.

Policy in Force

You're covered. Frank stays as your advisor for the life of the policy — for renewals, life changes, and claims.

Frank Says

Frank is compensated by the insurance carrier when a policy is placed. The client pays nothing directly — ever. This means Frank's incentive is to find coverage that fits your situation and that you'll keep for years. A policy that doesn't fit gets cancelled, and cancelled policies don't serve anyone.

The $0 Cost to You — Explained

Every licensed insurance broker in Canada is compensated by the insurance carrier at the time a policy is placed. This is how the industry works for life, disability, critical illness, and most personal insurance products.

You never pay Frank directly. There's no consultation fee, no retainer, no hourly rate. If Frank reviews your situation and concludes that your existing coverage is already appropriate, you receive that advice for free. This happens more often than you might think — and it's the reason Frank gets referrals.

The structure creates real alignment: Frank's compensation depends on placing coverage that you keep. That means finding the right fit — not the fastest close.

Frequently Asked Questions

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.