What's the difference between a broker and a direct insurer?

A broker works for you, not the insurance company. We shop 40+ carriers to find you the best rate and coverage. Direct insurers only sell their own products. With a broker, you get unbiased advice and someone who advocates for you during claims.

Is it more expensive to use a broker?

No. Brokers are paid by the insurance companies, not by you. There's no additional cost for using a broker, and we often find lower rates because we can compare across dozens of insurers.

How quickly can I get a quote?

Most quotes are ready within 24 hours. For straightforward auto or home insurance, we can often provide a quote the same day. Complex commercial or multi-policy packages may take 2-3 business days.

What areas do you serve?

We serve clients across Ontario. Whether you're in Toronto, the GTA, or anywhere in the province, we can help with your insurance needs.

Can you help if I have a poor driving record?

Absolutely. We work with high-risk insurers as well as standard markets. Whatever your situation — tickets, accidents, or new driver — we'll find you the best available rate.

What happens if I need to file a claim?

You call us directly. We'll guide you through the process, advocate with the insurer on your behalf, and make sure your claim is handled fairly and promptly. That's the broker advantage.

Everything in one place

Insurance and investments, one advisor

Protect your car, home, business, and family — and put your long-term savings to work — all from one licensed broker in Toronto who answers your messages.

Protection

Insurance

Protect what matters. I have access to 40+ Canadian carriers and shop them to find coverage that fits, then manage the policy for you.

Auto Insurance

Competitive rates for all drivers. New, experienced, or high-risk — we'll find the right fit.

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Home Insurance

Protect your biggest asset. Coverage for homeowners, condos, and tenants.

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Landlord Insurance

Rental property coverage. Protect your investment, liability, and rental income.

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Condo Insurance

Unit owner coverage beyond the corporation's policy. Protect your upgrades and liability.

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Business Insurance

Commercial liability coverage. Keep your business protected from the unexpected.

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Life & Mortgage Insurance

Secure your family's future. Term, whole life, and mortgage protection — bundled together.

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Health Insurance

Extended benefits beyond OHIP. Dental, drugs, vision, and paramedical.

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Critical Illness

Financial protection when it matters. Lump-sum benefits for serious diagnoses.

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Disability Insurance

Protect your income if you can't work due to illness or injury.

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Travel & Super Visa Insurance

Trip protection, medical emergencies, and Super Visa coverage for visiting parents and grandparents.

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Motorcycle Insurance

Coverage for sport bikes, cruisers, and touring. Seasonal and year-round options.

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Group Benefits

Drug, dental, vision, life, and extended health for your team. Premiums are tax-deductible.

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Funeral Insurance

Final expense coverage with guaranteed-acceptance options. No medical exam required.

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Wealth

Investment & financial

Insurance-based investment products and wealth strategies, guided by Bassem Ibrahim, CIM®.

Investment Planning

Insurance-based investment products. Segregated funds, GIFs, and wealth protection.

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Wealth Advisory

Holistic wealth strategies. Estate planning, tax efficiency, and creditor protection.

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Portfolio Management

Segregated fund portfolio construction. Diversified allocation with built-in guarantees.

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Investment products discussed here are insurance-based products including segregated funds, guaranteed investment funds (GIFs), annuities, and universal life insurance policies, offered under a life insurance licence (LLQP) regulated by the Financial Services Regulatory Authority of Ontario (FSRA). All-Financials does not offer mutual funds, securities, stocks, bonds, or exchange-traded funds (ETFs).