Frequently asked questions
The questions we hear most — about estimates, accuracy, advisors and your data.
FAQ
Are the estimates free?＋
Yes — estimates, calculators, guides and advisor matching are free for consumers. We are compensated by insurance partners and brokers for qualified leads, not by you.
How accurate are the estimates?＋
Estimates are computed from versioned industry rate tables and calibrated against public carrier data where available. Final premiums depend on underwriting details (health, driving record, property specifics), so your actual price usually lands within the shown range.
Who helps me actually buy?＋
A licensed Canadian insurance advisor. You are matched based on your product and region; they handle underwriting, binding and service. We never sell policies by algorithm.
Which products can I estimate?＋
Term life, critical illness, auto, home, condo, renters and travel insurance — with provincial coverage for BC, ON, AB, SK and MB, including ICBC official pricing for BC auto.
Is my information safe?＋
We use information only for quoting, advisor follow-up and service improvement, and we never sell personal data. Uploaded policies are not kept — the original file and page text are never stored.
What insurance do I need to drive to the USA?＋
Your ICBC Basic Autoplan already covers third-party liability in Canada and the US — no new auto policy needed. What you must buy is travel medical insurance, because MSP does not cover care outside Canada. See our US road trip guide for price anchors.
Can I get a binding quote online?＋
Online you get an estimate. A binding quote requires underwriting, which your matched licensed advisor will run with the carrier.