Referral & commission · plainly
How we make money
We’re a publisher, not an insurer. Here’s exactly how LifeRate.ca is paid.
We refer, we don’t sell
We publish education; we don’t sell. If you buy a policy, the licensed advisor who arranges it is paid a commission by the insurance company — not by you, and it doesn’t change your premium.
It doesn’t change your premium
Advisor commission is set by the insurer and built into standard pricing — the same policy costs the same whether you come through us or not. No coverage is bound until the insurer approves and issues your application.
LifeRate.ca is operated by Webhub4u Inc. (a publisher). Any advice about a policy comes from a licensed advisor.