PBS Insurance provides expert, unbiased insurance solutions tailored to your life. As a licensed independent broker, we compare top providers to find you the right coverage at the right price.
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Not sure which coverage is right for you?
Book a Free Consultation — 100% FreeOur streamlined process ensures you get the right coverage quickly, with expert guidance every step of the way.
Book a free consultation and share your goals, budget, and circumstances. We listen first, then advise — no pressure, ever.
As independent brokers, we access multiple top-rated Canadian insurers and find the best coverage and rate tailored to your exact situation.
Apply seamlessly by phone, email, or online. We handle the paperwork and keep you informed every step of the way.
From protecting your income to securing your family's future, PBS Insurance offers a full suite of personal and business insurance solutions.
The most affordable way to protect your family. Flexible coverage from 10 to 40 years, with level premiums locked in from day one. Ideal for income replacement, mortgage protection, and family security.
Get a Free QuoteLifelong coverage that never expires, with a guaranteed cash value that grows over time. A powerful tool for estate planning, tax-advantaged savings, and leaving a lasting legacy.
Get a Free QuoteEnsure your family keeps the home they love. Our independent mortgage protection plans offer more flexibility and better value than bank-offered policies — with you, not the bank, as the beneficiary.
Learn MoreRelieve your loved ones of financial burden during an incredibly difficult time. Affordable, fixed-premium coverage designed specifically to handle end-of-life expenses with dignity and care.
Get a Free QuoteCoverage made simple — no medical exam, no lengthy underwriting. Perfect if you've had previous health challenges or simply want fast, hassle-free protection in place quickly.
Get a Free QuoteA life-changing diagnosis shouldn't also be a financial crisis. Receive a tax-free lump-sum payment on diagnosis of covered conditions, giving you freedom to focus entirely on recovery.
Learn MoreProtect the people who keep your business running. Key person insurance, buy-sell agreement funding, and succession planning solutions designed for entrepreneurs and small business owners.
Learn MoreFill the gaps left by provincial health plans. Comprehensive individual and group plans covering prescription drugs, dental care, vision, paramedical services, and extended health benefits.
Learn MoreAs a licensed independent insurance broker, PBS Insurance is not tied to any single insurer. We access multiple top-rated Canadian providers and present you with unbiased, honest recommendations — always in your best interest.
We hold active licences and operate in compliance with Canadian insurance regulations, giving you the peace of mind that you're working with a verified professional.
Real experiences from real Canadians who trusted PBS Insurance to protect what matters most to them.
"PBS Insurance made the whole process completely stress-free. I had no idea there were so many options available to me. They found me better coverage for less than I was paying before — and explained everything clearly."
"As a small business owner, I had no idea how critical key person insurance was until PBS walked me through it. Their knowledge is outstanding and they genuinely care. Couldn't recommend them more highly."
"I was worried about getting coverage due to a pre-existing condition. PBS Insurance found me a no-medical policy that fit perfectly. Quick, professional, and genuinely helpful — I felt heard the entire time."
Use our free calculator to estimate the right coverage amount for your unique situation. No personal information required.
Adjust the sliders to match your situation and see your recommended coverage instantly.
Based on your inputs — updated in real time
Based on your income of $75,000, 10 years of replacement, $350,000 in debts, and 2 dependants, we recommend approximately $1,100,000 in Term Life coverage.
ℹ This estimate is for educational purposes only. Actual coverage recommendations may vary based on your full financial picture. Book a free consultation for a personalized plan.
Get My Personalized Quote — FreeEverything you need to know about getting insurance coverage through PBS Insurance.
Term life insurance provides coverage for a set period (e.g. 10, 20 or 30 years) and is the most affordable option for most Canadians. Whole life insurance provides permanent, lifelong coverage and builds cash value over time. The right choice depends on your goals — we'll help you figure that out in your free consultation.
Absolutely nothing. Our consultations are completely free and carry zero obligation. As independent brokers, we are compensated by the insurance provider only when you choose to purchase a policy. Your advice, comparison, and guidance cost you nothing at all.
You can still get covered. We offer No Medical Life Insurance policies that require no health exam or extensive questionnaire, making coverage accessible for those with pre-existing conditions. We'll find the best solution for your situation regardless of your health history.
An insurer can only offer their own products. As an independent broker, PBS Insurance compares options across multiple top-rated providers. We work for you, not any single company. This means unbiased advice, more choices, and often a better rate — all at no extra cost to you.
Coverage needs vary based on your income, debts, dependants, and financial goals. A common starting point is 10x your annual income, but we take a personalized approach — factoring in your mortgage, family needs, business obligations, and future plans to recommend the right amount for you.
Not always. Many policies — especially term life insurance for younger, healthy individuals — can be approved without a full medical exam. We also specialize in No Medical Life Insurance for clients who prefer to skip the exam entirely. We'll recommend the easiest and most appropriate application path for you.
Whether you have a quick question or you're ready to get started, we're here to help. Book a free consultation, call us directly, or send a message below.
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