Why Canadians Choose IDC Insurance Direct Canada

IDC Insurance Direct Canada Inc. is a brokerage agency. Our agents have the ability to broker all life, health, travel and group insurance products and more from all top Canadian insurance companies. We can always get you the best possible premiums based on your health and lifestyle qualifications. We will find highly tailored solutions that offer the most appropriate coverage amount at the most competitive rates.

Ask Yourself These Questions

If some or any of the following reasons apply to you, we can certainly find solutions that will save you even more money.

  • Do you have your mortgage insured with a bank?
  • Has it been more than three years since you last reviewed your coverage?

  • Do you have any life insurance policy, which is not 10 year renewable term?

  • Are you over 40 and have association life insurance, i.e., BCAA or group policy at work?

  • Does the term “preferred life insurance rates” mean absolutely nothing to you?

  • Do you currently spend $50/month or more on all your life and/or mortgage insurance products?
  • Are you concerned that you may have either insufficient or too much life insurance coverage to meet your financial obligations and provide for your family?

Why Choose IDC Insurance

  • Great selection of policies to choose from as we partner with Canada’s top insurance companies
  • Highly experienced and knowledgeable staff who can help you get the best coverage you need

  • 100% satisfied clients throughout Canada

  • In business since 1999 with a “A+” BBB (Better Business Bureau) rating

  • Over 12,000 policies placed with over 30 different insurance companies

  • First company or website in Canada to offer online life insurance quotes

  • Independent brokerage company offering unbiased advice with no fees charged to you
  • More than 250,000 Canadians have used our online quote service, referenced our product information and read our articles in the process of buying life insurance

Many of our prospective clients will find they can obtain more coverage for lower premiums. Our services are free and we do not charge any fees to provide quotes, product information, consultation, recommendation, underwriting or ongoing servicing of your policy. Our time is compensated directly by the insurance company you choose to work with. We operate as a team so it’s great to know that our support staff is available whenever you need us and our expert agents are always available to assist you as well.

Our Process Is Pioneering and Client-focused

Application and Underwriting

  • A simple easy process based on a telephone application to get you and your family the protection you need and want with minimum time and effort.
  • Depending on your age, the amount of insurance required, and company chosen, there might be a requirement for a health professional (a nurse) to visit with you and gather some information including a blood and urine sample and occasionally an ECG.

  • We have other options that do not require a nurse visit so please let us know if you do not want a medical and we will do our best to find a solution that does not involve one. We have some suppliers who issue policies almost immediately and accept credit card payments for people who have no health issues if that is important to you. In unique cases, the insurance company will require a report from your doctor which is paid for by the insurance company.

  • Clients are kept informed as the insurance application goes through the underwriting process and there are no costs to you in this process.
  • Our pioneering non-face-to-face application process has been approved by all insurance companies we represent.

Commitment to Client Service

  • We help many new clients who were quickly abandoned by the salespeople who sold them an insurance policy then later disappeared. Many have received little or no contact for years.
  • We value the trust that our clients have put in us to help provide their family with the financial security and peace of mind that insurance can bring.

  • We stay in touch with our clients regularly to determine if there have been any changes in their situation that could require a review of their insurance.

  • Whenever there is a change of address, phone number, email, method of payment or beneficiary information, all it takes is a simple email or phone call to make these or any other changes in ours as well as the insurance company’s system.

  • We send periodic email updates if something is happening in the industry that we feel is of important to our clients in case they have questions on it or want to take some action because of it.
  • When a claim happens, we will be there to help our clients through this difficult time and provide the support needed to guide them through process.

Our People Are Independent Insurance Experts

It has been said that the key to success is to find something that you are passionate about. This saying is the quintessential value of our family of life insurance professionals. When you get to know the person in our family who is helping you, you will feel this passion for what we do. It is about getting to know you and your family’s life planning needs. Our team of agents brings together a broad range of education, knowledge, experience and expertise when it comes to the insurance industry. You’re in good company.

Marilyn Brodie, Life & Health Insurance

Marilyn became a licensed life insurance agent in December 2004 and since then she has been an independent broker. Marilyn’s educational background is in the area of Operations Management. Marilyn worked in the high-tech manufacturing and software industry, where she managed and implemented software in Canada and internationally. Since becoming an independent insurance agent, she believes that clients are better served when she can represent the different insurance companies and give he best available insurance products and rates. She is a highly knowledgeable agent that cares greatly about the experience of her clients while going through the process of acquiring insurance protection for themselves and their family.

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Dave Dhiman, BBA, Finance

Dave Dhiman has over 10 years of experience in the financial services field. He is well versed in individual products such as insurance (life, disability, critical illness) and investments (RRSPs, TFSAs). Dave works with many companies, including small and medium sized businesses, implementing group benefit plans. Dave holds a Bachelor of Business Administration from Simon Fraser University. He started his financial services career with a different agency, but quickly realized that his clients were best served by the versatility and flexibility of a broker. In his own words, he often shares with clients that knowing the products he recommends will make a difference in helping his clients through their most difficult times. This has been one of the most rewarding experience for Dave as an advisor.

Markus Deutsch, BA, Business Administration

Markus is all about serving his clients. Gord, a client from Stratford, ON, summed it up very well. “Markus was extremely kind and courteous when we spoke and explained everything to be easily understood”. Markus was a financial advisor in Austria and Germany before emigrated to Canada where he has embraced this career choice. He has been an advisor with IDC Insurance since 2007. Clients benefit from his vast experience in the areas of life, living benefits (disability and critical illness coverage), investments and private health insurance. Markus’ personal goal is to help clients reach theirs. He wants to help solve their unique insurance challenges and provide protection strategies for any unforeseen events that may affect his clients. He enjoys the flexibility of being able to work from home so he can be there for his 3 children and supporting his wife’s career.

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Nadine Halverson, CFP, Certified Financial Planner

Nadine has been a CFP since 1998. She was registered with the Investment Dealer’s Association for 5 years while specializing in placing and managing investments for high net worth clients with one of Canada’s leading investment firms. In 2005 Nadine got licensed as an insurance agent and then continued on acquiring additional licences in the provinces of Alberta, Manitoba and Ontario. Since becoming an independent insurance broker in 2006, Nadine has been a valuable insurance agent servicing IDC Insurance’s clients in both the family and small business markets as well as many of her own clients.

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Darren Koch, BA, Business Administration

Darren really enjoys what he does as an independent financial advisor, allowing him to stay at home and help raise his two girls while his spouse continues her professional career. He started working as a career agent with a fraternal benefit society but after almost 10 years there he decided to become an independent financial advisor so that he could offer his clients a full range of products from the best companies. He has been with IDC Insurance since 2006 and anticipate being here well into the future. When you have a conversation with him you will quickly discover that he cares about helping people get the right insurance for the best price. He earned two undergraduate degrees in business administration and political science which enable him to help you solve any insurance problems that you might have.

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Torrie Fonda, CHS, Certified Health Specialist

Torrie returned to the insurance industry after raising her family over 25 years. When she was an Administrative Assistant, Torrie developed her attention to detail and identified client needs for life and living benefits coverage. After acquiring her life insurance license in 2008 she went on to obtain the Certified Health Specialist certification in 2010. Since joining IDC Insurance in 2011, Torrie has honed her skills and broadened the shelf of insurance companies. Finding the best options for you and your family are her focus. Delivering a new insurance policy to her clients gives Torrie great satisfaction. “We don’t have a crystal ball to tell the future” and “get your insurance before you need it because when you need it you may not get it” are often echoed in conversations with Torrie. Torrie lives an active lifestyle and encourages others to live a well rounded and balanced life.

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Zahid Khandwani, MBA, Finance

Zahid is a Master of Business Administration graduate with training in Financial Management. He has spent over 10 years in the banking sector. Zahid became a licensed life insurance agent in 2008 and quickly joined IDC Insurance in April 2009. Since joining our firm he has been the warm and friendly voice of our travel and private health insurance department. He enjoys helping clients finding the best plans possible according to their needs and budget. He has a long list of satisfied clients to his credit who often refer their friends and family members with confidence. Zahid knows his job very well as he can offer competent, honest and sincere services to each client whenever he has the opportunity to do so. As a prospective client, it’s great to know that you will be in a good hand.

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Christine Binder, Life & Health Insurance

Jack Sumra, Life & Health Insurance

Harold Grabowski, Life & Health Insurance

Richard Parkinson, CPCA, Certified Professional Consultant on Aging

Richard began his career specializing in helping people research and then purchase life insurance in 2003 after a distinguished career in the technology sector. One of his many testimonials sums up is approach with our clients: “At all times I felt you were helping me with my purchase. There was no pressure at any time to buy. You were honest, patient and helpful. I will recommend you to anyone thinking of any type of insurance.” Richard is a father of three adult children, with two 10 year old grandchildren who he will be proud to tell you about. He joined IDC Insurance in early 2011, and is an appreciated resource to many clients, friends and associates who regularly seek his council. He has become a specialist for clients with diabetes, and also our senior life annuities advisor. Richard can usually be found in his home office from early morning till late at night as he really has a passion for what he does – he is not hard to reach.

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Monika Kriedemann, CFP, Certified Financial Planner

Monika has been with IDC Insurance since 2004 and had the privilege to serve many of our clients across Canada. Finding the right insurance solutions for our clients is her passion. She firmly believes that having the right solution is what going to help clients deal with the challenges they might face in life. Monika is a Certified Financial Planner. She is a member of the Canadian Institute of Financial Planners where she is a member of the Vancouver Chapter. She has over 12 years of experience in the financial services sector, encompassing insurance and wealth management.

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Ron Bryson, Employee Benefit Specialist

Ron is one of our senior advisors specializing in employee benefits. He entered the business in 1977 at age 22 and has therefore advised many business owners in the past five decades. Many clients would say Ron’s specialty is in presenting their groups to the insurance companies in such a way so as to extract the best quotations and renewals. When consulting with prospective groups, very often, he will creatively restructure the plan designs to maximize value such as change LTD benefit to a 5 year benefit period and increase dental to 100% for the same premium as before. Many new clients found out they qualified for Employment Insurance discounts and didn’t even know about it until Ron brought it to their attention. Ron is very aggressive on your behalf and thanks to technology, he is able to service groups across Canada and jealously represent you to the marketplace.

On a personal note, Ron is a family man. He loves his dogs – in fact all dogs; plays tournament tennis and poker; runs the annual Sun Run. He speaks French, takes at least one family cruise a year and makes his home in Vancouver.

Russ Smart, MBA, Marketing

Russ is an unusual combination of technical expertise and practical business experience. After completing his MBA at the University of Toronto, Russ went on to study for three years toward a PhD in Marketing. His career path has been anything but theoretical as he has excelled in a wide range of management positions. As an entrepreneur, Russ has built companies as both a master franchiser and franchisee and a successful insurance brokerage. As founder of IDC Insurance, Russ germinated the idea from his home office as an independent life insurance broker to build this successful company, beginning with selling life insurance via the Internet.

Our Partners Are Top Canadian Insurance Companies

We are fortunate to be working with all the companies in Canada who will accept applications the new efficient way – the Internet. We operate almost exclusively non-face-to-face over the phone and electronically through the Internet. The good news is that these companies are the price leaders and offer outstanding product variety, value and customer service.

In early 2000s, the founder of the company met with many of these companies to convince them that this was the way of the future and what we did was completely compliant with regulations. A few took months before they would accept this new innovative approach while others held out years until we had proven our process and only then they would allowed us to sell their products in this manner. Below is a growing list of companies that we represent and those who we do not work with at this time.

  • Assumption Life
  • Benefits By Design
  • Bingham Group Services (BGS)
  • Blue Cross Plans
    • Pacific Blue Cross
    • Alberta Blue Cross
    • Saskatchewan Blue Cross
    • Manitoba Blue Cross
    • Ontario Blue Cross
    • Medavie Blue Cross
  • BMO Insurance
  • Canada Life
  • Canada Protection Plan (CPP)
  • The Co-operators
  • Desjardins Financial
  • Empire Life
  • Encon
  • Equitable
  • Foresters Life
  • Green Shield Canada (GSC)
  • Great West Life
  • Group Medical Services (GMS)
  • Hunter McCorquodale
  • IA Excellence
  • Industrial Alliance
  • Manulife
  • RBC Insurance
  • RSA Insurance
  • Specialty Life
  • SSQ Insurance
  • Standard Life
  • Sun Life
  • TIC Insurance
  • Travelliance
  • Travel Cuts
  • Travel Guard
  • Travel Underwriters
  • Ivari (Transamerica)
  • Wawanesa Life
  • Western Life

In Canada we have a not-for-profit organization called Assuris, that protects insurance policyholders in the event that their life insurance company should default. Equally important, the Canadian government also regulates life insurance companies requiring them to maintain conservative capital ratios. This kind of conservative capital requirement does not exist with insurance conglomerates in the United States or elsewhere.

Allianz Insurance, Allstate Canada, AIG, BCAA, CAA, CIBC Insurance, Canadian Tire, Costco, CUMIS Group, Faith Life, Gerber Life, Giraffe & Friends Life, Hartford Life, Investors Group, Knights of Columbus, La Capitale, London Life, National Bank Life, New York Life, Primerica, Reliable Life, Scotia Life, Sears Financial, State Farm Insurance, World Financial Group (WFG), PC Insurance, Standard Life, TD Insurance, UL Mutual, Union Life, Zurich Insurance.

Companies we do not work with often have agents who only sell their own products which effectively prohibiting consumers from shopping for the best rates or coverage while insurance resellers put a marketing charge on top of the actual insurance companies’ products thus making the premiums more expensive then buying directly. These are automobile or professional associations, grocers, retailers, department stores, hardware stores, mortgage lenders and the banks’ mortgage insurance.

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All product names, trademarks, and trade names are the property of their respective owners. The Insurance Council (BC, AB, SK, MB), Financial Services Commission (ON), Chambre de la Sécurité Financière (QC), The Superintendent of Insurance (NB, NL, PE, NS) are the provincial and federal authorities that regulate, supervise and enforce standards for life insurance professionals.

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