We market your group to Canada's leading insurers and to smaller specialty providers, then compare every proposal on identical terms. No carrier receives preferential treatment.
The list below reflects carriers we place and service business with. It is not an endorsement of any one insurer — which carrier suits your group depends on your size, industry and claims profile.
Carriers price the same group differently. One insurer's block may treat your industry, age profile or size favourably while another loads it. Marketing a plan across several carriers is what surfaces that difference — and it only works if the advisor can approach all of them.
Major carriers bring network depth, drug adjudication and administrative scale. Smaller and specialty providers often price particular industries or group sizes more keenly. Which is right depends on your group, not on brand recognition.
Ascent Insurance Services Inc. does not underwrite insurance or issue policies. Every plan we recommend is underwritten and issued by a licensed Canadian carrier, and your contract of insurance is with that carrier.
We take your employee census to the carriers whose appetite matches your group, gather competing quotes, and return a written side-by-side comparison in plain language — what each option covers, what it costs, and which one we recommend and why.
Because we are independent, that comparison is not shaped by who pays us the most. Advisor compensation is generally built into carrier pricing rather than billed to you separately, and you are entitled to ask how we are compensated on your plan.
How renewal pricing actually works →Send us your current booklet and most recent renewal. We will benchmark your rates and coverage against the market and tell you plainly whether you are being treated fairly — at no cost, and with no expectation that you switch.
We approach the carriers; you get one comparison.