Business Details
27 Years
experience
Your Trusted Life Insurance Partner in Canada
LSM Insurance has been proudly serving Canadians for over 25 years as a trusted independent insurance brokerage. Licensed across all provinces, we specialize in life and living benefits insurance, offering tailored solutions through partnerships with 20+ Canadian insurers. Our team of experts provides comprehensive financial checkups and retirement planning analysis, ensuring clients receive optimal coverage. With 15 offices nationwide and 220 dedicated employees, we manage $6B in assets and process over 56,000 applications annually.Featured in leading media outlets like the National Post and Globe and Mail, we combine industry expertise with personalized service to help clients protect their families and assets. Our commitment to transparency, competitive pricing, and client-centric approach has earned us nearly 100 Google reviews with a 4.9-star rating. We pride ourselves on simplifying complex insurance products and delivering value-driven solutions that meet diverse client needs.
Services
Term Life Insurance
Permanent Life Insurance
Critical Illness Insurance
Disability Insurance
Funeral Insurance
Mortgage Insurance
Group Insurance
No Medical Insurance
Simplified Issue Insurance
Guaranteed Issue Insurance
Details
- Year established: 1999
Highlights and features
- Canada's #1 Independent MGA with access to 20+ life insurers
- Free financial checkup and retirement planning analysis with each policy
- 25+ years of industry experience and nationwide licensing
- Expertise in complex cases including no medical and simplified issue policies
- Transparent pricing with guaranteed lowest rates through competitive carrier partnerships
What people say
Expert insurance solutions
Competitive pricing
Professional guidance
Hundreds of positive reviews
4.9 Google stars
Services
Term Life Insurance
Term life insurance provides pure death benefit protection for specific periods like 10, 20, or 30 years. Ideal for mortgage protection or income replacement, it offers affordable premiums that remain level during the term. Policyholders can choose from various term lengths to match their financial obligations, with options for renewal or conversion to permanent coverage at policy end.
Permanent Life Insurance
Permanent life insurance offers lifelong protection with cash value accumulation components. Available as whole life or universal life policies, these products build equity over time while maintaining fixed premiums. Particularly suitable for estate planning or legacy creation, they provide guaranteed death benefits that remain in force as long as premiums are paid.
Critical Illness Insurance
Critical illness coverage provides lump-sum payments upon diagnosis of specified conditions like cancer or heart attack. This living benefit helps maintain financial stability during medical recovery by covering treatment costs and lost income. Policies can be customized with various coverage amounts and benefit triggers to match individual health risks.
No Medical Insurance
No medical exam insurance offers accessible protection for individuals with health challenges. These policies use health questionnaires instead of medical tests, with options ranging from simplified issue to guaranteed acceptance. While premiums may be higher, they provide essential coverage for those who might otherwise be uninsurable.
Mortgage Insurance
Mortgage life insurance ensures home loan obligations are met in case of premature death. Tailored to match mortgage amortization schedules, these policies decrease in value as the loan balance reduces. Available through term or permanent structures, they protect families from housing insecurity while offering flexible underwriting options.
People
Pierre Martin
Marketing Professional
Seasoned marketing expert with 10+ years in insurance and financial services. Specializes in strategic marketing initiatives across traditional and digital channels. Holds deep expertise in insurance product promotion and client engagement strategies.
Terri Botosan
President, Employee Benefits
Leadership executive at HUB International Canada with extensive experience in employee benefits and retirement planning. Focuses on enhancing client experience through innovative product development and service improvements across Canada.
Brandon Chapman
Principal, SaaS Wealth Insurance
Certified Financial Planner with nearly a decade of experience in business and financial planning. Specializes in tax-efficient strategies and wealth management solutions for incorporated professionals and Canadian businesses.
Patrick Kocmiel
Insurance Industry Veteran
24-year insurance professional with expertise in personal lines and financial claims. Holds business marketing credentials from Humber College. Experienced in both The Co-operators and AIG operations across multiple insurance sectors.
Paul Morra
Business Development Manager
Senior insurance executive at BMO Insurance with proven leadership in financial services. Specializes in business development and client relationship management within Canada's life insurance market.
Questions
What types of life insurance do you offer?
We provide term life, permanent life, critical illness, disability, mortgage, and final expense insurance through 20+ Canadian carriers.
Can I get life insurance without a medical exam?
Yes, we offer simplified issue and guaranteed acceptance policies for those who prefer or require no medical underwriting.
How do term and permanent life insurance differ?
Term provides temporary coverage with lower premiums, while permanent offers lifelong protection with cash value accumulation components.
Do you serve clients nationwide?
Yes, we're licensed across all Canadian provinces with 15 offices and 220+ dedicated insurance professionals.
What factors affect life insurance rates?
Age, health status, coverage amount, policy term, and lifestyle factors like smoking or hazardous hobbies determine premium costs.
Can I customize my insurance policy?
Yes, we offer customizable riders and coverage options to meet specific needs, including disability waivers and child protection riders.
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