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provinces licensed and serving
Independent brokerage · Alberta, British Columbia, and OntarioInsurance advice that
Insurance advice that
starts with your situation.
Smile Insurance is an independent insurance brokerage. We are not owned by an insurer and we do not sell a single company's product shelf — we compare the market on your behalf and explain, in plain terms, what each option actually covers.
- Life, critical illness, disability, health & dental, travel and Super Visa coverage
- RRSP, TFSA, FHSA and children's plan guidance alongside protection
- Licensed advisors serving Alberta, British Columbia, and Ontario
Licensed & independentAdvising clients across 3 provinces.
How we work
What being independent actually changes.
Every brokerage says it puts clients first. These are the specific commitments that back it up.
Independent, not captive
We are not tied to one insurer's product shelf. We compare the market and recommend what fits, which sometimes means recommending nothing at all.
One advisor, start to finish
The person who quotes your plan is the person who handles the application and picks up the phone at claim time. No handoffs to a call queue.
Plain-language recommendations
You get the exclusions and the waiting periods explained up front, in writing, alongside the premium — not buried in a policy document you read after signing.
No cost to compare
Reviewing your options costs nothing and carries no obligation. We are paid by the carrier when a policy is placed, and we will tell you when that is the case.
Working together
What to expect, step by step.
Understand the situation
A short conversation about who depends on your income, what you already have in place, and what you are actually worried about.
Compare the market
We shop your profile across our carrier panel rather than quoting a single insurer, and show you the trade-offs between the options.
Apply with support
We prepare the application, explain what underwriting will ask, and follow it through to approval so nothing stalls.
Review as life changes
A mortgage, a new child, a business, a move between provinces — each is a reason to revisit coverage rather than let it drift.
Have a question about your coverage?
Tell us what you're protecting and a licensed advisor will come back to you with real options — at no cost and with no obligation.