We are committed to providing professional insurance advice, competitive coverage options, and dependable service. We represent your interests by offering personalized guidance, policy servicing, and claims assistance.
Our brokerage receives commissions from insurers for arranging and servicing insurance policies. These commissions are generally included in your insurance premium and may vary by insurer, coverage type, and policy.
The following are the reported commission ranges:
| Insurance Provider | Commission | Insurance Provider | Commission |
|---|---|---|---|
| Aviva* | 12.5–20% | Economical / Definity* | 12.5–25% |
| Facility / Nordiq** | 0–12.5% | Peel Mutual* | 12.5–20% |
| Burns & Wilcox | 10–15% | Coast Underwriting | 10–15% |
| Totten Group | 10–15% | Chubb Insurance | 10–20% |
| Victor Canada | 10–20% | Markel | 10–25% |
| Premier Canada | 10–25% | Optimum Inc. | 30% |
| South Western | 10–15% | Special Risk Insurance | 10–15% |
| CHES Special Risk | 10–15% | ODIS Underwriting | 15% |
| Trinity Underwriting | 10–22.5% | Cansure | 10–15% |
| SUM Underwriting | 10–15% | Intact Insurance* | 10–20% |
| Sports & Fitness | 10–15% | Gore Mutual* | 10–20% |
| Excess Underwriting | 10–15% | ABEX | 10–15% |
| Jevco* | 5–12.5% | - | - |
| SGI / Coachman* | 10–20% | MAX Insurance* | 20% |
| Excess Underwriting | 10–15% | Pembridge / Pafco* | 10–20% |
IFS Financial Services Inc. 10% of service fee
Commissions are generally payable on new business and renewals. Material changes to our compensation arrangements will be disclosed as required.
In addition to standard commissions, we may receive contingent or performance-based compensation from certain insurers based on business volume, profitability, growth, and policy retention. These payments are not guaranteed.
Insurers marked with an asterisk (*) are identified as having contingent commission arrangements, subject to confirmation. The double asterisk (**) requires clarification.
We may also participate in insurer-sponsored incentive or marketing programs.
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At InsLyf, we are committed to helping individuals, families, and businesses protect what matters most and plan confidently for the future. As your one-stop destination for comprehensive insurance and investment solutions, we offer a wide range of products and services, including Life Insurance, Home Insurance, Auto Insurance, Commercial Insurance, Business Insurance, Travel Insurance, Group Benefits, and Investment Solutions.
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