Seasonal work, self-employment, small business, family farms and fisheries — New Brunswick incomes don't always come with a group benefits plan attached. Your protection shouldn't depend on whether your job happens to offer one.
Nova Star Insurance Consultants is a women-owned, independent brokerage based in Richmond Hill, Ontario, serving clients across New Brunswick. We compare plans from 11+ Canadian carriers — including Manulife, Sun Life, Canada Life, and RBC — and we work for you, not an insurer.
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Women-owned • Serving all of New Brunswick • We reply within 1 business day • (647) 520-6899
New Brunswick Medicare covers medically required doctor and hospital services. Prescription drugs are covered only through the New Brunswick Drug Plan and other specific programs for those who enrol or qualify — and routine dental, vision, and paramedical care are on you. Private coverage fills the gaps:
Term, whole life, and universal life to protect income, mortgage, and family plans.
Life insurance · Life insurance needs analysis
A lump sum on diagnosis of a covered serious illness.
Income replacement if illness or injury keeps you off work.
Drugs, dental, vision, and paramedical coverage for individuals and families.
Individual health and dental · Find your health and dental plan
Coverage for your team or business, and tax-efficient HSAs if you're incorporated.
Group health and dental plans · Health spending account
Emergency medical coverage for travel outside New Brunswick, and Super Visa coverage for visiting parents and grandparents.
Your own policy that pays your family, vs. bank coverage that pays the lender.
A short call or our free quote form. No cost, no obligation.
11+ carriers, explained in plain language.
Reviews as life changes, and help with claim paperwork.
Based in Richmond Hill, Ontario, we serve clients across New Brunswick — and also in Ontario, Quebec, Alberta, Nova Scotia, and Newfoundland & Labrador.
Only through the New Brunswick Drug Plan and specific programs, for those who enrol or qualify. Many residents rely on private coverage for drugs, dental, and vision — we help you coordinate the two.
Yes — individual policies are designed for people whose income doesn't come from one year-round employer. Your occupation and income pattern shape the options, which is exactly what a comparison is for.
Nothing extra. We're paid by the carrier you choose, at no added cost to your premium.
A common starting point is 7–10× income, adjusted for mortgage and dependents. Our free needs analysis works out your number.
All of New Brunswick, by phone and online — plus ON, QC, AB, NS, and NL.
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.
Nova Star Insurance Consultants • Mon–Fri 9–5 • gaby@novastarinsure.com
