INDEPENDENT INSURANCE BROKERAGE · RICHMOND HILL, ON
As an independent insurance broker in Ontario, we compare plans from 11+ Canadian carriers, and we work for you, not an insurer. We serve Ontario, Quebec, Alberta, Nova Scotia, New Brunswick, and Newfoundland & Labrador.
We compare life, health, disability, and travel insurance plans across more than 11 of Canada’s top carriers, including Manulife, Sun Life, Canada Life, and RBC, so you get coverage that fits your needs and your budget.
You’ll work with a dedicated Nova Star consultant — not a call centre. They’ll answer your questions, review your coverage as your life changes, and advocate for you when you need to make a claim.
Filing an insurance claim is stressful. That’s why our team walks you through every step and helps with the paperwork. As a result, you can focus on what matters while we work toward a fair, timely outcome.
Whether you’re a first-time buyer, a growing family, or planning for retirement, Nova Star Insurance offers personalized coverage options across Canada. Browse our most popular insurance products for individuals and families:
Our Track Record
Nova Star Insurance is a women-owned, independent insurance brokerage serving families and individuals across Ontario, Alberta, Quebec, Nova Scotia, New Brunswick, and Newfoundland & Labrador.
Unlike banks or direct insurers, we’re not tied to any single provider. Our only job is finding the right coverage for your unique situation, compared across 11+ Canadian carriers.
Based in Richmond Hill, Ontario, we’ve spent years building deep relationships with Canada’s leading insurance carriers, including Manulife, Sun Life, Canada Life, RBC, iA Financial, Equitable Life, and more. That network means more options for you.
Many Canadians put off getting insurance coverage because the process feels complicated. We’ve made it easy.
A short call or form covers your family, income, health, and budget. There’s no cost and no obligation.
We shop 11+ Canadian carriers, including Manulife, Sun Life, Canada Life, and RBC, and explain the trade-offs in plain language so you can choose with confidence.
Once your policy is in place, we stay in touch – reviewing your coverage as your life changes.
Life changes — and your insurance should too. Whether you’re getting married, having children, buying a home, or planning your estate, Nova Star Insurance proactively reviews your coverage to make sure you’re always protected.
As an independent broker with roots in the Richmond Hill community, we’re not tied to any single insurance company. Our advisors are here for the long term — available to answer questions, help with claims, and adapt your coverage as your needs evolve.
Nova Star also has a multigenerational succession plan in place, so your policies will be taken care of for decades to come.
Term life insurance covers you for a set period, such as 10, 20, or 30 years, and costs less. Whole life insurance, on the other hand, covers you for life and builds cash value. As an independent insurance broker in Ontario, we help you compare both across 11+ carriers.
A common rule of thumb is 7 to 10 times your income. However, the right amount depends on your mortgage, dependents, and savings. Try our free needs analysis tool to work out your number.
For most working Canadians, yes. About one in three will have a disability lasting 90 days or more, according to the Canadian Life and Health Insurance Association. Provincial plans cover treatment, but they don’t replace your income. That’s what disability insurance does.
Yes. OHIP doesn’t cover most prescriptions, dental, vision, or physiotherapy for adults. So, an individual health and dental plan can fill that gap. If you’re incorporated, a health spending account is another tax-efficient option.
AD&D only covers accidents, while life insurance covers death from any cause. So, AD&D works best as an add-on, not a replacement.
Getting the right insurance doesn’t have to be complicated. Tell us a little about your situation and a Nova Star advisor will reach out within one business day — at no cost and with no obligation.
