Shopping for insurance in Ontario usually means a bank selling its own product, or a call centre selling one carrier's. There's a third option: an independent broker who shops the market for you.
Nova Star Insurance Consultants is a women-owned, independent brokerage based in Richmond Hill, Ontario. We compare plans from 11+ Canadian carriers — including Manulife, Sun Life, Canada Life, and RBC — and we work for you, not an insurer. One conversation covers your life, health, disability, and travel coverage, with advice in plain language and no obligation.
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Women-owned • Richmond Hill, ON • We reply within 1 business day • (647) 520-6899
Term, whole life, and universal life to protect your family's income, mortgage, and plans. Start with our free needs analysis if you're not sure how much you need.
Life insurance · Life insurance needs analysis
A lump-sum payment if you're diagnosed with a covered serious illness, so a diagnosis doesn't become a financial crisis on top of a health one.
Replaces part of your income if illness or injury keeps you from working. About one in three working Canadians will have a disability lasting 90 days or more — provincial plans cover treatment, not your paycheque.
OHIP doesn't cover most prescription drugs, dental care, vision, or physiotherapy for adults. Individual plans fill those gaps, whether you're self-employed, retired, or between jobs.
Individual health and dental · Find your health and dental plan
Health and dental coverage for your team, and tax-efficient health spending accounts if you're incorporated.
Group health and dental plans · Health spending account
Emergency medical and trip protection for travel outside Ontario — OHIP covers only a fraction of out-of-province care — and compliant coverage for parents and grandparents visiting on a Super Visa.
Compare bank mortgage insurance, which pays the lender and shrinks as you pay down your mortgage, with your own life insurance, which pays your family and stays yours if you move lenders.
A short call or our free quote form covers your family, income, health, and budget. No cost, no obligation.
We shop 11+ Canadian carriers and explain the differences 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 and helping with paperwork if you ever need to claim.
Nova Star is based in Richmond Hill and serves clients across Ontario — and also in Quebec, Alberta, Nova Scotia, New Brunswick, and Newfoundland & Labrador.
A broker is independent: we compare plans from 11+ carriers and recommend based on your needs. A bank can only sell its own insurance products, and its mortgage insurance pays the bank, not your family.
Nothing extra. Our quotes and advice are free to you — we're paid by the carrier you choose, at no added cost to your premium.
A common rule of thumb is 7–10× your income, but the right number depends on your mortgage, dependents, and savings. Our free needs analysis tool works out your number in a few minutes.
For most adults, no — OHIP doesn't cover most prescription drugs, dental care, vision care, or physiotherapy. An individual health & dental plan fills those gaps.
Yes. Individual health & dental, disability, and critical illness plans are designed for people without an employer plan, and incorporated owners may also qualify for a tax-efficient health spending account.
We're based in Richmond Hill and work with clients across Ontario, plus Quebec, Alberta, Nova Scotia, New Brunswick, and Newfoundland & Labrador — by phone and online, wherever you are in those provinces.
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 • Richmond Hill, ON • Mon–Fri 9–5 • gaby@novastarinsure.com
