Contract work, self-employment, and job-hopping between projects are normal in Alberta — but they make employer benefits a shaky foundation. Your coverage shouldn't disappear every time a contract ends.
Nova Star Insurance Consultants is a women-owned, independent brokerage based in Richmond Hill, Ontario, serving clients across Alberta. 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 Alberta • We reply within 1 business day • (647) 520-6899
Alberta Health Care Insurance Plan (AHCIP) covers medically required doctor and hospital services. For most adults it does not cover prescription drugs outside hospital, dental care, vision, or paramedical services — and it replaces none of your income if you can't work. That's the gap individual coverage fills:
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 — essential when there's no employer plan behind you.
Drugs, dental, vision, and paramedical coverage for individuals and families.
Individual health and dental · Find your health and dental plan
Benefits for your crew or company, and tax-efficient HSAs for incorporated owners and contractors.
Group health and dental plans · Health spending account
Emergency medical coverage for travel outside Alberta (AHCIP's out-of-province coverage is limited), 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 Alberta — and also in Ontario, Quebec, Nova Scotia, New Brunswick, and Newfoundland & Labrador.
Yes — individual health & dental, disability, critical illness, and life plans are built for exactly that, and incorporated contractors may also use a health spending account.
For most adults: prescription drugs outside hospital, routine dental, vision, and paramedical care — and no income replacement. Private coverage fills those gaps.
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 Alberta, by phone and online — plus ON, QC, NS, NB, 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
