AI-powered. Advisor-led. Canadian. Crystallux Financial Services compares insurance products across leading Canadian carriers and pairs every recommendation with an LLQP-certified advisor. Mortgages, investments, retirement and estate planning launch over the next 12 months.
We're not tied to a single carrier — we match you to the policy that actually fits.
Term and permanent coverage to protect your family, mortgage, or business. From $24/month for healthy non-smokers.
Explore life coverTax-free lump sum if you're diagnosed with one of 25+ covered conditions. Complements life insurance.
Critical illness coverReplace your income if you can't work because of illness or injury. Own-occupation cover for professionals.
Disability coverSingle-trip, multi-trip, and Super Visa cover. Emergency medical to $10 million.
Travel coverCoverage built for Canadian roads. Multi-carrier comparison so you don't overpay.
Auto coverHomeowner, condo, and tenant insurance with water and sewer-backup endorsements.
Home coverMost brokers rank by price. We rank by fit — coverage gaps, exclusions, riders, your underwriting class. AI does the cross-carrier match in seconds; an advisor reviews before you see anything.
We're an independent brokerage, not a captive agent. Crystallux Inc. holds appointments with multiple Canadian carriers across life, P&C, and specialty — we tell you the trade-offs honestly, not the carrier with the best commission.
We disclose commissions before you apply. We disclose our carrier relationships. We disclose when a competitor's product would suit you better. That's the licensing standard — we go beyond it.
Quick 3-minute needs assessment — age, family, income, what you're worried about.
We compare products across our carrier network and surface the best 2–3 fits.
Coverage, exclusions, riders, premium — laid out clearly with our commission disclosed.
An LLQP-licensed advisor walks you through underwriting. No surprise paperwork, no fees.
We're building appointments with leading Canadian carriers. Carrier availability varies by product line and province; ask your advisor which carriers can quote your specific situation.
Logos and carrier names are shown for product-availability reference. Carrier appointments are subject to advisor licensing and product-specific contracting; full list confirmed on application.
No spam, no pressure, no fees. An LLQP-licensed advisor reviews every recommendation before it reaches you.