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How it works

Four steps. Zero pressure.

Most insurance shopping wastes hours on quote forms and pushy phone calls. We compress it to about 30 minutes of your time, spread over a few days, with one human conversation when you want one.

1

Tell us your situation

A 3-minute needs assessment captures the basics, age, family, income, what you're worried about. No medical, no credit pull, no commitment. You can also book a discovery call instead if you prefer to start with a conversation.

Time: 3 minutes online, or 20-minute call.

2

See personalised options

An LLQP-licensed advisor reviews your answers and our comparison surfaces 2–3 fitted options from several insurers, placed through our MGA partner. We email these to you, with our commission disclosed up front.

Time: 1 business day for our review and email.

3

Compare side-by-side

The email lays it out clearly: coverage, exclusions, riders, premium, claims experience, financial strength. You compare on your time, no pressure. Questions? Reply, or book a call.

Time: 20 minutes when you're ready.

4

Apply with advisor help

When you decide, your advisor walks you through application + underwriting. For life/CI/DI that may include a paramedical exam (we arrange, done at home, free). Policy issues within 2–6 weeks depending on the insurer.

Time: 30–60 minutes to apply; underwriting handled by us + the insurer.

Customer experience promise

What we won't do

No cold calls

We never call without an appointment. You book the conversation when you want one, and only when you want one.

No fees to you

Our advice, comparison, application support, and policy management are free. We're paid commission by the insurer (through our MGA partner) when a policy is placed, and we disclose that commission.

No "best" hype

We don't claim to be the cheapest or the best. We claim to surface options that fit your situation honestly, with the trade-offs explained.

Common questions

How-it-works FAQ

We're a life insurance agency. Crystallux Group Inc. holds an Ontario life insurance agent licence from FSRA, covering life and accident & sickness insurance (critical illness, disability, travel medical, Super Visa). We place coverage through a managing general agency (MGA) partner, which lets us compare plans from several Canadian insurers; we don't hold direct insurer appointments of our own. Our advisors are LLQP-licensed, we earn commission when policies are placed, and we use modern matching tools to speed the search while a licensed advisor reviews every recommendation. We don't sell auto, home or business insurance.
Comparison sites typically sell your lead to whoever bids highest. We're the licensed agency you deal with: every interaction is with our LLQP-licensed team. We disclose commissions, explain trade-offs, and support you through claims years later. Comparison sites can't do that.
A captive agent works for one insurer and can only sell that insurer's products. Through our MGA partner we can compare plans from several insurers and recommend the one that fits, not the one with the highest commission. If a competitor's product is better for your situation, we'll tell you.
Most people benefit from a policy review every 3–5 years, especially after life events (marriage, kids, mortgage, job change, business start). We do free policy reviews, you keep the policy if it's working; we make a recommendation if it isn't.
No. We collect your information only to provide advice and arrange coverage with carriers you authorise. We don't sell leads, share your data with third parties for marketing, or run programmatic ads on your behaviour. PIPEDA-compliant. Full privacy policy.

Ready to start?

3 minutes online, or a 20-minute call. Whichever you prefer.

Start needs assessment Book a call