Boost your business with unique, value-added insurance solutions designed to complement your core products.
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Boost your business with unique, value-added insurance solutions designed to complement your core products.
Scroll down
Boost your business with unique, value-added insurance solutions designed to complement your core products.
Reimagining Insurance,
Beyond Expectations.
At Insurative Solutions, we provide tailored insurance solutions designed to meet the unique and evolving needs of brokers and their clients. Our mission is to empower brokers with high-quality products that enhance their services and add value to their relationships. Here’s what makes us stand out:
Consumer-Centric Solutions
We solve real consumer needs with innovative products and an exceptional experience.
Simplicity in Coverage
We make insurance easy to understand and simple to deliver.
Efficiency through Technology
Our streamlined quoting, binding and claims processes ensure a smooth interaction for both brokers and their clients.
Consumer-Centric Solutions
We solve real consumer needs with innovative products and an exceptional experience.
Simplicity in Coverage
We make insurance easy to understand and simple to deliver.
Efficiency through Technology
Our streamlined quoting, binding and claims processes ensure a smooth interaction for both brokers and their clients.
Consumer-Centric Solutions
We solve real consumer needs with innovative products and an exceptional experience.
Simplicity in Coverage
We make insurance easy to understand and simple to deliver.
Efficiency through Technology
Our streamlined quoting, binding and claims processes ensure a smooth interaction for both brokers and their clients.
Enjoy True Peace of Mind with
Balance Guard™ Total Loss.
Offer your clients a simple and reliable solution that covers their auto loan balance after a total loss.
1
/4
Expand your
Customer's Coverage
4
/4
Quick Quotes
& Instant Policy Issuance
3
/4
Convenient Monthly
Renewing Policy
2
/4
Build Stronger
Relationships
1
/4
Expand your
Customer's Coverage
4
/4
Quick Quotes
& Instant Policy Issuance
3
/4
Convenient Monthly
Renewing Policy
2
/4
Build Stronger
Relationships
1
/4
Expand your
Customer's Coverage
4
/4
Quick Quotes
& Instant Policy Issuance
3
/4
Convenient Monthly
Renewing Policy
2
/4
Build Stronger
Relationships
1
/4
Expand your
Customer's Coverage
4
/4
Quick Quotes
& Instant Policy Issuance
3
/4
Convenient Monthly
Renewing Policy
2
/4
Build Stronger
Relationships
1
/4
Expand your
Customer's Coverage
Offer your clients coverage for the difference between the auto insurance settlement and the loan balance in the event of a total loss.
4
/4
Quick Quotes
& Instant Policy Issuance
3
/4
Convenient Monthly
Renewing Policy
2
/4
Build Stronger
Relationships
1
/4
Expand your
Customer's Coverage
Offer your clients coverage for the difference between the auto insurance settlement and the loan balance in the event of a total loss.
4
/4
Quick Quotes
& Instant Policy Issuance
3
/4
Convenient Monthly
Renewing Policy
2
/4
Build Stronger
Relationships
1
/4
Expand your
Customer's Coverage
Offer your clients coverage for the difference between the auto insurance settlement and the loan balance in the event of a total loss.
4
/4
Quick Quotes
& Instant Policy Issuance
3
/4
Convenient Monthly
Renewing Policy
2
/4
Build Stronger
Relationships
1
/4
Expand your
Customer's Coverage
Offer your clients coverage for the difference between the auto insurance settlement and the loan balance in the event of a total loss.
4
/4
Quick Quotes
& Instant Policy Issuance
3
/4
Convenient Monthly
Renewing Policy
2
/4
Build Stronger
Relationships
1
/4
Expand your
Customer's Coverage
Offer your clients coverage for the difference between the auto insurance settlement and the loan balance in the event of a total loss.
4
/4
Quick Quotes
& Instant Policy Issuance
3
/4
Convenient Monthly
Renewing Policy
2
/4
Build Stronger
Relationships
1
/4
Expand your
Customer's Coverage
Offer your clients coverage for the difference between the auto insurance settlement and the loan balance in the event of a total loss.
4
/4
Quick Quotes
& Instant Policy Issuance
3
/4
Convenient Monthly
Renewing Policy
2
/4
Build Stronger
Relationships
1
/4
Expand your
Customer's Coverage
Offer your clients coverage for the difference between the auto insurance settlement and the loan balance in the event of a total loss.
4
/4
Quick Quotes
& Instant Policy Issuance
3
/4
Convenient Monthly
Renewing Policy
2
/4
Build Stronger
Relationships
1
/4
Expand your
Customer's Coverage
Offer your clients coverage for the difference between the auto insurance settlement and the loan balance in the event of a total loss.
4
/4
Quick Quotes
& Instant Policy Issuance
3
/4
Convenient Monthly
Renewing Policy
2
/4
Build Stronger
Relationships
1
/4
Expand your
Customer's Coverage
4
/4
Quick Quotes
& Instant Policy Issuance
3
/4
Convenient Monthly
Renewing Policy
2
/4
Build Stronger
Relationships
1
/4
Expand your
Customer's Coverage
4
/4
Quick Quotes
& Instant Policy Issuance
3
/4
Convenient Monthly
Renewing Policy
2
/4
Build Stronger
Relationships
1
/4
Expand your
Customer's Coverage
4
/4
Quick Quotes
& Instant Policy Issuance
3
/4
Convenient Monthly
Renewing Policy
2
/4
Build Stronger
Relationships
1
/4
Expand your
Customer's Coverage
4
/4
Quick Quotes
& Instant Policy Issuance
3
/4
Convenient Monthly
Renewing Policy
2
/4
Build Stronger
Relationships
1
/4
Expand your
Customer's Coverage
4
/4
Quick Quotes
& Instant Policy Issuance
3
/4
Convenient Monthly
Renewing Policy
2
/4
Build Stronger
Relationships
1
/4
Expand your
Customer's Coverage
4
/4
Quick Quotes
& Instant Policy Issuance
3
/4
Convenient Monthly
Renewing Policy
2
/4
Build Stronger
Relationships
1
/4
Expand your
Customer's Coverage
4
/4
Quick Quotes
& Instant Policy Issuance
3
/4
Convenient Monthly
Renewing Policy
2
/4
Build Stronger
Relationships
1
/4
Expand your
Customer's Coverage
4
/4
Quick Quotes
& Instant Policy Issuance
3
/4
Convenient Monthly
Renewing Policy
2
/4
Build Stronger
Relationships
Why choose
Balance Guard™ Total Loss
If a client's vehicle is declared a total loss after an accident and the insurance payout falls short of their remaining debt, Balance Guard™ Total Loss bridges that gap, protecting your customer’s credit and finances when they need it most.
This graph is intended solely for illustrative purposes. The loan and vehicle values are hypothetical examples and do not represent actual data. Each loan amortization and vehicle depreciation curve is unique, and coverage terms and conditions may vary.
30% Owe More than
Their Car's Value
Approximately one in three Canadians trading in their vehicle owe more than it's worth, putting many at significant financial risk.
30% Owe More than
Their Car's Value
Approximately one in three Canadians trading in their vehicle owe more than it's worth, putting many at significant financial risk.
The Rise of
Negative Equity
Negative equity means a vehicle owner owes more on their loan than the car is worth. Longer loan terms, lower down payments, frequent vehicle changes, and limited savings are making this situation increasingly common.
The Rise of
Negative Equity
Negative equity means a vehicle owner owes more on their loan than the car is worth. Longer loan terms, lower down payments, frequent vehicle changes, and limited savings are making this situation increasingly common.
Loan Components that
Auto Insurance Doesn't Cover
Items commonly included in a car loan that may contribute to a remaining balance after an auto insurance settlement include: negative equity from a previous loan; interest costs; optional product ad-ons like warranties, service contracts, and creditor insurance and dealership fees.
Loan Components that
Auto Insurance Doesn't Cover
Items commonly included in a car loan that may contribute to a remaining balance after an auto insurance settlement include: negative equity from a previous loan; interest costs; optional product ad-ons like warranties, service contracts, and creditor insurance and dealership fees.
Protect your customer’s finances from unforeseen vehicle loss with convenient, dependable coverage for their vehicle loan.
Protect your customer’s finances from unforeseen vehicle loss with convenient, dependable coverage for their vehicle loan.
Here to Support You
Every Step of the Way.
Here to Support You Every Step of The Way.
At Insurative Solutions, our commitment extends beyond providing
exceptional coverage.
At Insurative Solutions, our commitment extends beyond providing exceptional coverage.
At Insurative Solutions, our commitment extends beyond providing exceptional coverage.
We’re dedicated to ensuring a seamless experience for our brokers and their clients, backed by responsive support and a deep understanding of the Canadian insurance landscape.
Custom-focused
Service
Fast, friendly, and informative support tailored to your needs.
Custom-focused
Service
Fast, friendly, and informative support tailored to your needs.
Custom-focused
Service
Fast, friendly, and informative support tailored to your needs.
Streamlined
Experience
Simplified processes to save time and create lasting positive impressions.
Streamlined
Experience
Simplified processes to save time and create lasting positive impressions.
Streamlined
Experience
Simplified processes to save time and create lasting positive impressions.
Expert
Team
Knowledgeable professionals dedicated to helping you succeed.
Expert
Team
Knowledgeable professionals dedicated to helping you succeed.
Expert
Team
Knowledgeable professionals dedicated to helping you succeed.
Proudly
Canadian
Delivering trusted support and solutions from right here in Canada.
Proudly
Canadian
Delivering trusted support and solutions from right here in Canada.
Proudly
Canadian
Delivering trusted support and solutions from right here in Canada.
Deliver Beyond Ordinary Coverage - With True Peace of Mind.
Deliver Beyond Ordinary Coverage - With True Peace of Mind.
Interested in becoming a broker partner? Contact us to learn more and start delivering reliable protection your clients can count on.
Connect With Us
Connect With Us
The information on this website represents a summary of coverages and does not form a part of the insurance policy. For details regarding how you qualify, please speak with a licensed insurance broker in your province or consult your policy. Insurative Solutions Inc. is licensed as an insurance brokerage and operates as a Managing General Agent. Balance Guard™ Total Loss is underwritten by Trisura Guarantee Insurance Company.
© 2025 Insurative Solutions Inc. All rights reserved.
© 2025 Insurative Solutions Inc.
All rights reserved.
The information on this website represents a summary of coverages and does not form a part of the insurance policy. For details regarding how you qualify, please speak with a licensed insurance broker in your province or consult your policy. Insurative Solutions Inc. is licensed as an insurance brokerage and operates as a Managing General Agent. Balance Guard™ Total Loss is underwritten by Trisura Guarantee Insurance Company.
© 2025 Insurative Solutions Inc.
All rights reserved.