Licensed Carrier Partners
Insurance companies we work with
As an independent broker, we're licensed to place coverage with Canada's leading insurers. That means we shop the market on your behalf — no bias, just the best fit for your needs.
Canada's largest mutual insurer
Formed from the merger of La Capitale and SSQ Insurance, Beneva is Canada's largest mutual insurance company, offering a wide range of life, health, and group insurance products.
Term Life Insurance
Flexible 10, 20, or 30-year terms
- Renewable and convertible
- Non-smoker discounts
- Coverage up to $10M
Whole Life Insurance
Guaranteed lifetime protection with cash value
- Participating policy with dividends
- Cash surrender value
- Estate planning tool
Critical Illness Insurance
Lump-sum benefit on 25+ covered conditions
- Return of premium option
- Covers cancer, heart attack, stroke
- Child coverage available
Disability Insurance
Income replacement up to 85% of earnings
- Own-occupation definition
- Short and long-term options
- Cost of living adjustment
Strength and reliability since 1892
iA Financial Group is one of Canada's largest insurance and wealth management groups, with over 130 years of experience serving Canadians with life, health, and investment products.
iA Term Life
Competitive rates with guaranteed renewability
- 10, 20, 25, 30-year terms
- Convertible to permanent
- Joint coverage available
Universal Life Insurance
Flexible premiums with investment component
- Multiple investment account options
- Tax-sheltered growth
- Adjustable death benefit
Transition Critical Illness
Coverage for 25 critical conditions
- Return of premium on death
- Partial benefit for early-stage conditions
- Child plan available
RRSP & Investment Products
Segregated funds with principal guarantees
- 75% or 100% maturity guarantees
- Creditor protection
- Bypass probate on death
Decisions made easier, lives made better
Manulife is one of Canada's largest financial services companies, offering a comprehensive range of insurance, investment, and banking products to millions of Canadians.
Manulife Term
Canada's most popular term life product
- 10, 20-year terms
- Vitality wellness rewards program
- Coverage up to $20M
Manulife Par
Participating whole life with dividend history
- Strong dividend track record
- Paid-up additions option
- Estate maximization
Lifecheque Critical Illness
Coverage for 24 critical conditions
- Lump-sum tax-free benefit
- Return of premium rider
- Vitality integration
Manulife Travel Insurance
Comprehensive travel medical coverage
- Emergency medical up to $10M
- Trip cancellation coverage
- COVID-19 coverage included
Canada's travel insurance specialists
Travellance is a leading Canadian travel insurance provider, specializing in visitor to Canada insurance, Super Visa insurance, and travel medical coverage for Canadians and newcomers.
Super Visa Insurance
IRCC-approved Super Visa coverage
- Minimum $100,000 coverage
- 1-year policy required
- Monthly payment options
Visitor to Canada Insurance
Emergency medical for visitors and newcomers
- Coverage from day 1 in Canada
- Pre-existing condition options
- Deductible options to reduce premium
Canadian Travel Insurance
Coverage for Canadians travelling abroad
- Emergency medical evacuation
- Trip cancellation & interruption
- Baggage loss coverage
Co-operative values, Canadian roots
The Co-operators is a Canadian-owned co-operative offering a full suite of insurance and financial products, with a strong commitment to sustainability and community.
Term Life Insurance
Affordable protection for every stage of life
- 10, 20, 30-year terms
- Renewable and convertible
- Disability waiver of premium
Whole Life Insurance
Permanent protection with guaranteed cash value
- Level premiums for life
- Guaranteed cash value growth
- Loan against policy value
Disability Insurance
Protect your income if you can't work
- Short and long-term options
- Own-occupation definition available
- Partial disability benefit
Health & Dental Insurance
Supplemental coverage beyond provincial plans
- Prescription drug coverage
- Dental care included
- Vision care benefit
Not sure which carrier is right for you?
Ram will compare options across all our carrier partners and recommend the best fit for your situation — at no extra cost to you.
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