How Instasure makes money

When you ask for help, we send your request to one independent advisor licensed in your province for that product. Licensed agents pay Instasure.ca a flat fee for each request we send them, whether or not you buy anything. You never pay us.

If you buy a policy, the insurer pays a commission to the licensed advisor or brokerage that placed it. In Canada, that commission is built into the insurer’s pricing, so in most cases you pay the same premium whether you buy directly or through an advisor.

Details that matter

• Who gets paid: commissions are paid only to individuals and firms licensed for the product in your province. Instasure.ca is paid a flat fee per introduction by agents, not a share of any policy you buy. Unlicensed staff never give you insurance advice.
• One agent per request: your request is never sent to several agents or resold. Agents we work with have their licence checked on the provincial regulator’s register first.
• Does it change my price? Life and living-benefit premiums are set by the insurer. For home and auto insurance, brokers compare multiple insurers — pricing depends on each insurer’s filed or approved rates.
• Do advisors have a conflict? Commission-based compensation can create an incentive to recommend more coverage. That’s why every estimate on our site starts from your needs, and why our guides explain when cheaper options (like term life instead of permanent) are the better fit.
• Advertising: we don’t accept payment to rank an insurer higher in our guides. If a page ever contains sponsored content, it will be clearly labelled.

Questions or complaints

If you believe an advisor did not act in your interest, contact us at hello@instasure.ca. You can also contact the insurance regulator in your province — see licensing & disclosures.