BMI Advisory Services
Build. Manage. Innovate.
Combining Insurance with Smart Financial Management
- Licensed Insurance Advisors
- PIPEDA-Compliant Privacy
- No Fee For Advice, Ever
How BMI works
Getting the right coverage should be simple. Three steps, one advisor, no pressure.
Tell us about you
Answer a few quick questions or book a call. We learn about your family, your work, your mortgage, and what you want to protect.
We shop the market
Your advisor compares options from multiple insurers and explains each one in plain English, with no jargon and no obligation.
Get covered with confidence
We handle the application and underwriting, then review your plan with you every year as life changes.
Support exactly when you need it
Call or text 343-296-6264, or open the live chat in the corner of your screen. Support, questions, and bookings are covered instantly, 24 hours a day, 7 days a week.
Why families and business owners choose BMI
$0
No fee for advice
You never pay us for advice, plan shopping, annual reviews, or claim support. We are paid by the insurer you choose, and we explain exactly how that works.
What you pay BMI
- Advice & recommendations$0.00
- Shopping multiple insurers$0.00
- Annual plan reviews$0.00
- Support at claim time$0.00
One advisor for your whole picture
Life, disability, critical illness, health and dental, group benefits, and savings strategies like TFSAs, RRSPs, and RESPs through segregated funds. One relationship instead of five.
Coverage that stays with you
Unlike lender-owned mortgage insurance, coverage you own moves with you when you switch banks or lenders, and your family, not the bank, decides how the benefit is used.
Compare with bank coverageWhy choose BMI Advisory?
Independent advice looks different from a bank branch or a single insurer's call centre.
| What Canadians actually want | BMI Advisory | Bank branch | One insurer direct |
|---|---|---|---|
| Know exactly what is covered, and what is not, before you sign | ✓ | ✗ | ✗ |
| Prices compared across multiple insurers, not one company's menu | ✓ | ✗ | ✗ |
| Advice tailored to your situation, not a sales quota | ✓ | ✗ | ✗ |
| Coverage that stays with you when you switch banks or lenders | ✓ | ✗ | ✓ |
| A person who picks up, and already knows your file | ✓ | ✗ | ✗ |
| Someone in your corner when it is time to claim | ✓ | ✗ | ✗ |
BMI's advanced strategies, beyond the basics
Specialty programs offered through BMI Advisory for families building a legacy and business owners who want their money working harder.
Little Moolah
Child whole life insurance that grows with your child: lifelong coverage plus a financial head start.
Learn more →IFA: Financing with Life
Immediate Financing Arrangements pair permanent coverage with access to capital for qualified clients.
Learn more →Infinite Business Banking
Use a participating life policy as collateral so your business can fund growth on your terms.
Learn more →Corporate Whole Life
Permanent coverage owned by your corporation, built into your estate and tax planning.
Learn more →Trusted by clients and the brokers who refer them
"A very helpful discussion - helping me understand the concept's benefits. Thank you!"
Martin G. · August 2022
"The fact that you gave us what we asked for without cloaking it in all sorts of jargon is one of the main reasons we decided to go with you."
Mike & Meaghan · May 2022
"Thanks so much! It is so good to know that you are the team that I am sending my clients to."
Birgit, Mortgage Broker · June 2022
Advisors who pick up the phone
BMI was founded by advisors who believe insurance should be explained, not sold. Meet the people behind your plan.
MEET THE TEAM
Co-Founder
Co-Founder
Frequently asked questions
Does BMI charge me for advice?
No. Our advice, plan comparisons, annual reviews, and claim support are free to you. We are paid a commission by the insurance company whose product you choose, and we disclose how that works before you apply.
What does BMI stand for?
BMI stands for Better Mortgage Insurance, where our roots are, and for how we work today: Build. Manage. Innovate. What began in mortgage insurance grew into a full advisory practice.
How is your mortgage protection different from the bank's insurance?
Coverage you own through BMI stays with you if you switch lenders, pays a benefit your family controls, and is underwritten up front so there are fewer surprises at claim time. Lender coverage typically protects the lender's balance, not your family's choices.
Where does BMI operate?
We are headquartered in Tsawwassen, British Columbia and work with clients across Canada. Home and auto insurance is coming soon. Ask us about availability in your province.
Speak with an advisor today
Get your free quote online in minutes, or call our 24/7 support and inquiries line. No pressure, no jargon, no cost for advice.