Use this list in any conversation with an advisor, including one AdvisorPro connects you with. Print it or keep it open on your phone, and write the answers down. You can always say you want time to think.
About the advisor
Are you licensed in my province or territory? How can I confirm it? (Your province page shows where to check.)
Do you represent one insurer or work with several?
How are you paid: a commission, a fee or both? Does the amount differ between the options you show me?
Who will look after my policy and claims after I buy it?
About the options
What are the main options, and why are you showing me these ones?
What does each one cover, and what is excluded?
What limits, deductibles and waiting periods apply?
Which choices change the price (a higher deductible, a shorter term, optional coverage)?
What could make the price change at renewal?
About how it works
What happens if I need to make a claim? Who do I call, and how long does it usually take?
Can I cancel? Is there a fee, and do I get money back?
What information do you need from me, and why?
How will you protect my personal information?
What happens if I leave something out, or my situation changes later?
Before you decide
Can I have the details in writing to read at home?
Is there anything I haven't asked that I should have?
Common questions
How do I check that an advisor is licensed?
Each province has a regulator or council with a lookup tool. Your province's page on this site names it. Ask the advisor for their name and licence details and check them there.
Does an advisor have to tell me how they are paid?
Rules about disclosure differ by province and product, so it is fair to ask directly. A good advisor will explain it plainly.
What is the difference between an agent and a broker?
In general, an agent represents one insurer and a broker works with several insurers. Titles and rules differ by province, so ask who the advisor represents.
General information, not advice or a recommendation. Rules differ by province and by insurer, so confirm with your insurer or a licensed advisor. This page was last checked in November 2026.