Personal Insurance · Available to Anyone, With or Without Group Benefits
Personal Life, Disability & Critical Illness Insurance, Built Around You
Whether you have workplace benefits or not, this coverage is yours alone, follows you anywhere, and is shopped across every major insurance carrier in Canada to find the right fit for your health situation and financial goals.
Why Work With a Broker
One Application, Every Major Carrier
Buying directly from a single insurance company means seeing only that company's rates and rules. As an independent broker, Sterling Benefits has access to every major carrier in Canada, and knows how each one underwrites different health situations and financial needs, so the quotes requested on your behalf come from the carriers most likely to offer the strongest combination of price and approval for you specifically.
Every Major Carrier
Quotes are gathered across the market instead of just one company's product line.
The Right Product, Not Just a Price
Term vs. permanent, the right benefit amount, the right definitions, matched to your actual situation.
No Cost to You
Sterling Benefits is paid by the carrier once a policy is placed, not by you, so getting quotes is free.
Free Cost Check
See What Your Coverage Could Look Like
Answer a few quick questions, about 3 minutes, and Ralph will personally shop your situation across our carrier network. No cost, no obligation.
Everything you entered above is already filled in below. Give it a quick look and hit Submit.
What Clients Say
Real People, Real Peace of Mind
“Ralph with Sterling Benefits is great to work with. There are great options and customizable plans that fit your budget and the coverage you actually need.”
“Highly recommend Ralph… he knows what he’s talking about, his packages are affordable, and he’s so passionate about helping people be protected with customized plans so their needs are met.”
“Ralph helped me secure the right coverage. He was knowledgeable and understanding of my needs. 100% would recommend Ralph.”
Common Questions
Personal Insurance FAQ
Do I need group benefits through my employer to get this coverage?+
No. This is personal coverage you own yourself, entirely separate from anything your employer offers. It stays with you no matter who you work for, or if you're self-employed, between jobs, or retired.
Why go through a broker instead of buying directly from one insurance company?+
An independent broker can compare your situation across every major Canadian carrier at once, rather than only offering that one company's products. Health history, age, and financial goals all affect which carrier actually offers the best combination of price and approval odds for you, and that's rarely the same answer for everyone.
Will my health history affect my rate?+
It can, and different carriers weigh the same health history differently. That's exactly why the intake above asks about medications and health conditions up front, so quotes can be requested from the carriers most likely to offer competitive terms for your specific situation, instead of guessing.
Is there any cost or obligation to get quotes?+
No. There's no cost or obligation to request quotes. Sterling Benefits is paid a commission by the carrier once a policy is placed, not by you, so getting quotes costs nothing and there's no pressure to move forward with anything you see.
Ready When You Are
Let's Find the Right Coverage for You
Start My Free Cost CheckLooking for coverage for your team instead? See group Life, Disability & CI →