🍁 Ontario’s independent insurance brokerage · since 1996

Protect your family in minutes.

Compare life, critical illness, disability, health & travel insurance from 30+ Canadian insurers in one quick form. Honest, licensed advice — at no cost to you.

★★★★★5.0Google Trusted by Ontario families since 1996
Free quote · 2 minutes · no obligation

See your best rate in minutes

Tell us a little about you and we’ll compare Canada’s top insurers to find the lowest price you qualify for.

  • Compare 30+ Canadian insurers instantly
  • No-medical-exam options available
  • 100% free — a licensed advisor, zero pressure

Get your free quote

No spam. No obligation. 100% free.

By submitting, you agree a licensed Hayes Family Insurance advisor may contact you about your quote. Your info is never sold. You’ll see instant comparison rates on the next screen.

We compare quotes from Canada’s top insurers

Canada LifeManulifeSun LifeRBC InsuranceEmpire LifeiA FinancialCanada Protection PlanForestersEquitableBMO InsuranceCanada LifeManulifeSun LifeRBC InsuranceEmpire LifeiA FinancialCanada Protection PlanForestersEquitableBMO Insurance
A licensed Hayes Family Insurance advisor meeting with an Ontario couple
Licensed & independentRegulated by Ontario’s FSRA
The independent advantage

One insurer shows you their price. We show you the whole market.

Buying direct means you only ever see a single company’s rate. We put 30+ Canadian insurers in competition for your business — then hand you the lowest price you actually qualify for.

What you getBuying directHayes
Insurers compared130+
Honest, independent advice
Finds your lowest rate
A licensed advisor who knows you
Someone in your corner at claim time
Same policies, same insurers — just more choice and a real person working to get you the right coverage for the best price.Compare my rates
Since 1996 Serving Ontario families
30+ Canadian insurers compared
Independent We work for you, not the insurer
$0 Our advice costs you nothing
How it works

Insurance without the headache

  1. 1

    Tell us about you

    Answer a few quick questions — no medical exam to get a quote, no login required.

  2. 2

    Compare real rates

    We instantly compare 30+ Canadian insurers to surface the lowest rate you qualify for.

  3. 3

    Talk to an advisor

    Get your questions answered and decide together on the coverage that’s right for you.

  4. 4

    Get protected

    We handle the paperwork. Many policies are approved in days, not weeks.

Rated 5.0 on Google
5.0 ★★★★★Based on our Google reviews
S S KLocal Guide · Google review
★★★★★
“Highly recommend Cameron! I spent alot of time researching term life insurance and had countless questions regarding coverage amounts, underwriting, and different companies. Cameron was incredibly patient throughout the process and never…” Read more on Google →
J JGoogle review
★★★★★
“Cameron was extremely patient with us as we transitioned to a new life insurance provider after our old one of 20 years. Highly recommend.”
Read all our reviews on Google Worked with us? We’d love your feedback. Leave a review →
What people actually pay

Term life costs less than you think

Sample rates — $500,000 of 20-year term, healthy non-smoker.*

Age 30~$22/moFemale · non-smoker
Age 40~$31/moFemale · non-smoker
Age 50~$78/moFemale · non-smoker

*Illustrative only. Your rate depends on age, health, coverage, term, and insurer.

Good to know

Frequently asked questions

How much does a broker cost me?

Nothing. As an independent brokerage we’re paid a commission by the insurance company you choose, built into the standard policy price — the same price you’d pay going direct. You get unbiased comparison across 30+ insurers at no extra cost.

Why use a broker instead of buying directly from one insurer?

A single insurer can only offer you their own product. As an independent Ontario brokerage we compare dozens of Canadian insurers side by side to find the lowest rate you actually qualify for, then handle the paperwork and advocate for you at claim time.

How fast can I get coverage?

You’ll see indicative quotes in minutes. Many term life and critical illness policies now offer simplified or accelerated underwriting with no medical exam, so approval can take days rather than weeks. We’ll tell you upfront which route is fastest for your situation.

Do you only work with people in Ontario?

Yes — we focus exclusively on Ontario residents, which means our advice is tailored to Ontario’s rules, OHIP coverage gaps, and the insurers licensed to serve you here.

Is my personal information safe?

Absolutely. Your details are used only to prepare your quote and are never sold. We’re a licensed agency regulated by Ontario’s Financial Services Regulatory Authority (FSRA).

What if I already have insurance through work?

Group coverage is a great start, but it usually ends when you leave your job and is rarely enough on its own. We help you right-size a personal policy that stays with you — often for less than you’d expect.

Ready to protect what matters most?

Get a free, no-obligation quote in minutes — or talk to a licensed Ontario advisor today.

Call Get my free quote