Don’t Shop for the Lowest Insurance Rate — Shop for the Right Advisor
When it comes to insurance, many people spend hours comparing rates online or contacting multiple agents, hoping to find the lowest price. But here’s the truth: insurance rates are the same across all licensed advisors for the same company and plan. So why waste time shopping around when what really matters is choosing the right advisor?
💡 Rates Are the Same Everywhere
Whether you buy a policy directly from a company’s website or through a licensed broker, the rate is identical. Advisors do not control or change the premiums — those are set by the insurance companies.
So, instead of chasing the same rate through multiple agents, focus on finding someone who will:
Understand your financial goals and family needs Recommend the right coverage type and amount Provide ongoing support long after your policy is issued
👨💼 Not Every Agent Has Access to Every Company
It’s important to know that not all agents represent the same insurance providers.
Some work exclusively for one company (captive agents), while others are independent brokers who can offer plans from multiple insurers.
Working with an experienced independent broker means you get access to more options — and a fair, unbiased comparison.
🕒 Choose an Advisor Who’s There When You Need Them
A good insurance advisor is more than a salesperson — they’re your long-term partner in financial protection. When you need to make a claim, update your coverage, or convert your plan in the future, you want someone who’s accessible, knowledgeable, and cares about your situation.
✅ Final Thoughts
Don’t shop for the lowest rate — shop for the right advisor.
At United Life Financial, we represent multiple leading insurance companies and provide personalized service to help you choose the right coverage with confidence.
📞 Contact us: 905-906-7000
🌐 Get instant quotes online: www.UnitedLife.ca
✉️ Email: info@unitedlife.ca
