How our AI engine matches people with the right cover, and brokers with the right clients

Matching someone to the right cover is not a search problem. It is a judgment problem. Two families with the same income and postal code can need very different protection. The job of our AI engine is to make that judgment legible, then put the right people in touch.

Reading what you actually need

The engine starts from a short, plain-language questionnaire rather than a credit pull or a wall of jargon. It turns your answers into a structured profile: who depends on your income, what you owe, what you own, and where the gaps sit. Nothing leaves that profile that you have not seen yourself.

• Dependants, debts, and income that would need replacing
• Existing cover, so we never recommend what you already hold
• Budget reality, so suggestions stay affordable
• Province-specific factors, from rating rules to CPP and OAS

Lining up the most suitable options

With a clear profile, the engine compares tenant, home, auto, life, and annuity options side by side and produces an indicative price range built from real rating factors. It ranks what is essential before what is optional, so you see the few things that matter most rather than a flat list of products.

Routing to the broker who fits

Matching cuts both ways. For brokers, the same engine surfaces the clients who genuinely fit their licences, regions, and specialties, with the groundwork already captured. That means less time prospecting cold lists and more time advising people who are ready to talk.

The engine never sells a policy or sets a final price. It makes the connection clearer and faster. The coverage itself is always arranged by the licensed advisor you are matched with.