Big enough to lead.Small enough to care.
As the #1 provider of affordable, flexible benefits in Canada, we strive to lift the corporate veil shrouding the insurance industry. This means blazing new trails, being a champion for our clients, adapting coverage to meet their unique needs and driving innovation in the products we offer.
Learn More About Us Read Success StoriesWe do insurance differently
We have – and continue to be – pioneers of the insurance industry by disrupting traditional models that don’t meet the needs of today’s consumers. Our business model makes coverage affordable and accessible; simplifying the criteria and underwriting process to ensure working Canadians get coverage and their policy quickly.
As the first to develop 100% online application and policy delivery systems, we make it easy for advisors and clients to collaborate on plans and submit applications without needing to leave the comfort of their home. With each innovation we launch, we aim to enhance the inclusivity, transparency and ease with which Canadians buy financial protection.
Being a small business ourselves, we understand the need that small-business owners and employees have to find affordable, customizable lifestyle protection insurance. We hand select the best Canadian insurers that meet our standards to develop industry-leading insurance plans that are competitively priced for Canadian individuals and small businesses.
With financial backing from the best individual insurance brands in Canada, we have a community mindset with the means to revolutionize the insurance industry.
Our Guiding Principles. Simple, Quick and Affordable.
Best Coverage
Our Promise: Quality Guarantee
At The EDGE, we’ve done the hard work for you by hand-selecting, vetting and negotiating with leading Canadian insurers to build best-in-class lifestyle protection solutions. With our partners’ offerings, you can build a comprehensive living benefits package at some of the most competitive rates available.
The Co-operators have been helping self-employed Canadians protect their income for over 65 years.
Loss of Income Insurance
Business Overhead Expense Insurance
Green Shield Canada is on a mission to make health care accessible to all Canadians with its comprehensive approach to health and dental coverage.
Chubb combines passion for service with decades of experience to provide individuals and businesses large and small special risk insurance products tailored to their needs.
Critical Illness Coverage
Guaranteed Issue Life Insurance
Accidental Death & Dismemberment Insurance
Fracture Accident Benefits
Long-Term Disability Upgrade
Protecting you has been our priority since 1940. In the event of illness, accident or other incident abroad, Beneva’s travel insurance will be there to make life easier for you and help you deal with your situation the best way possible.
Packages built to your preferences
We firmly believe that insurance should be attainable, affordable and adaptable for every Canadian citizen. With our partners, we offer the most comprehensive plans that can be tailored to your needs. Whether you’re self-employed or need to fill the gaps in your employer- or government-sponsored insurance coverage, you can craft a plan that meets your needs now, and grows with you through life’s transformations.
Insurance should never be a static product. As you age, your plan should continue to fit your changing needs. We automatically roll out cost-free product enhancement to existing customers so you can have the peace of mind that comes from receiving the best products on the market, even if you haven’t changed your plan in years.
Personal Insurance PlansSmall Business Insurance
Advocacy in action
The EDGE offers lifestyle protection products under one roof, but are not an “all or nothing” insurance provider. With our unique a la carte system, you choose and pay for only the products you need. We advocate for our clients to ensure they receive the maximum coverage and compensation when they need their benefits.
Guaranteed issue means our customers can receive most products quickly and easily — no invasive questions asked or information on family history required. Different coverage amount options and benefit periods mean you can find the products that match your financial means and risk factors.
Coverage is adapted according to the evolving health landscape. We are constantly on the lookout for more products at great rates that could continue to enhance the lifestyle protection of our customers.
Quality guarantee
We want to make sure you are fully satisfied with your coverage. If within 30 days of receipt of your policy contract you feel it does not meet your lifestyle protection needs, contact The EDGE and we’ll cancel coverage and refund your premiums.
Best People
Real people protecting real lives
Our comprehensive, nationwide network of over 25,000 licensed advisors works to deliver a custom plan to meet the needs of each client. Our advisors are constantly being educated on the most up-to-date product information to pass on to their customers so they can feel confident about the protection they purchase.
We are always available to support our advisors and customers as they make one of their most important life purchases. Just as much as we’re constantly educating our advisors, we’re also listening to them and take their feedback to heart. We respect and appreciate the relationships they have with their clients, and value their insights on how we can always adapt our products to be as inclusive and simple as possible.
Our Major National Distributors
Making real connections with customers
We prioritize customer service to make sure our clients have the best experience with a product that can typically be overwhelming. When a customer has a question or claim, they can expect a white-glove experience from our trained support network.
Every customer’s situation differs, and each case is treated with respect and dignity. We advocate for our clients if coverage is denied, as well as during the claims process so they receive the financial support they need during hard times.
This customer-centric approach also extends to how we treat our dedicated support network. We have the best regionally-based field and head office sales staff in the industry and make sure everyone on The EDGE team is empowered with the tools and knowledge to provide clients accurate, relevant advice and a consistently exceptional experience.
Best Experience
Making a complex product simple
We make insurance easy to understand. With such an impactful product, you should understand what you’re buying and feel confident about how you’re protecting the livelihood of yourself and your family.
Our buying procedure is streamlined through electronic processes that are clear and concise. With available guaranteed issue coverage, everyone can receive basic protection.
We get you covered – fast
We have disrupted the insurance industry by doing away with many of the common roadblocks that can slow down the application and issuing process. Everything is in one place: online. Apply and access policy documents and claim forms from anywhere.
With simplified qualifying questions and underwriting processes, you will receive a response to your application quickly.
Insurance should never be all or nothing
You can pick and choose which products you and your family need and adapt your plan over time. This customizable approach can help Canadians choose the coverage they need, and save them money by doing so. Everyone should have some form of lifestyle protection to protect their financial stability, but with The EDGE you don’t need to pay for extravagant packages that are not applicable to your way of life or income.
Our policy pricing method calculates risk across all EDGE policyholders — not just within an individual organization. This means no single entity bears the full risk of rates increasing because of one person’s circumstances.