Compare and Find the Best Life Insurance in Canada at the Lowest Prices!
The Policy Architects Process
Call, email or text us! A licensed Independent agent is here to help!
1st Step: We determine your accurate rating class as that determine the cost.
2nd Step: We help YOU select the RIGHT life insurance company for YOUR situation saving up to 50%.
3rd Step: We help you complete a digital application and submit it to the insurance company.
You're approved! Rest easy knowing your family is covered. You're not obligated unless you're 100% satisfied!
About Policy Architects
Hi, I’m James Heidebrecht, Founder of Policy Architects. I’m a Husband and a Dad who enjoys coffee, music and the odd cigar.
We’ve helped hundreds of families across Canada purchase life insurance from companies they can trust. At Policy Architects, our sole purpose is to assist you and your family in choosing the right life insurance policy at the best possible price. Whether you’re looking for a term policy to protect your mortgage or life insurance to cover funeral costs, we can help you make the most educated decision.
Who We Work With
- Growing Families who want to protect their children from birth through their college years in case you, the breadwinner, die prematurely.
- Home Owners looking to protect their mortgages
- People Over 50 who may have still have adult children at home, children with special needs or are running a business. It's never too late to get coverage.
- Seniors who are concerned with Estate Protection. whether looking to leave a nest egg for your kids or grandchildren or simply want to take care of final expenses, we can help.
Here’s What Policy Architects Offers
Here’s What Policy Architects Offers
Term Life Insurance
It’s affordable, easy to understand, and the best way for breadwinners to protect their families over a set period.
Find out more about term life insurance >
Whole Life Insurance
Coverage that doesn’t expire, regardless of age or health. Permanent life insurance pays a tax-free lump sum to your family whether you die tomorrow or when you’re 90.
Find out more about whole life insurance >
Final Expense Insurance
Typically, these small policies, between $5,000 to $25,000, are designed to cover your funeral costs. Many of these plans require no physical or medical exams to qualify.
Find out more about final expense insurance >
Life Insurance From Our Family to Yours
If you die prematurely, your family will be sent into a financial tailspin. Don’t let this happen! Life insurance provides living expenses for your loved ones, now and for years to come.
As you age your needs change, and your coverage should too! Life insurance can protect you and your family from outstanding debts like student loans, lines of credit or a mortgage balance.
Your responsibilities don’t end when you die. Your final exit shouldn’t be a burden for those you love. A final expense policy can cover funeral costs and ensure your family doesn’t get stuck with the bill when you pass away.
Frequently Asked Questions
I’m often asked whether life insurance is necessary. The answer is almost always yes, especially if you have an estate, business, debt, and/or dependents – which applies to most people. Find out how life insurance can be use creatively from retention of a cottage, trusts for children with special needs to income replacement. Click here for more info.
YES, life insurance is worth it. If you have an estate and loved ones that rely on your income – it’s an indispensable tool! At Policy Architects, we simplify life insurance for Canadians by offering personalized coverage to protect your family and assets. Trust us to help you secure peace of mind for the future. Click here for more information!
Yes, individuals with Diabetes Type 1 or Type 2 can get life insurance coverage!
However, it’s important to inform your independent life insurance agent about your specific type of diabetes as underwriters assess these conditions differently. Understanding where you stand personally can save you a lot of money time and hassle.
Check out all the ins and outs. Click here to read more!
Are you wondering if you can convert your term life insurance to whole life coverage? GREAT NEWS! In most cases, this is possible if your policy includes a conversion option. Click here to read more about conversion options.
Life insurance can indeed cover funeral costs! It is a great option to consider. In most cases it’s the most flexible and affordable way to plan for end of life expense. Click here for more information.
Life insurance does cover suicide, but there are important details to consider due to the complexity of the topic. Many of us have family members with mental health challenges. We know that life isn’t always easy. Click here to find out more information now!
How much life insurance do I need? If you’re asking this question, you’re already ahead of most people. When clients come to see me, they often have a specific figure in mind.
Let’s be honest: Any amount over $100,000 seems like a substantial sum of money – but is it enough to cover your income when you die? Click here to find out more.
While we love term insurance for protecting young families – but when it comes to protecting seniors a permanent policy is usually your best bet. This provides guaranteed coverage for the rest of your life. Click here to read more!
When it comes to life insurance underwriting most people are healthier than they think. Even people with moderate to serious heath issues can qualify for coverage. Click here to read more!
Get a call from an independent life insurance agent TODAY
This is a review for James, there aren't enough words to express my gratitude for all of his help & kindness, during a very difficult time. He was so helpful & went above & beyond with getting an insurance claim payment. I would highly recommend James to everyone that I know. I don't know what I would have done without his help. His kindness will never be forgotten. He is amazing, from bottom of my heart, Thank you James.
Desiree Bernard2024-06-06 I am delighted to recommend Mr. James Heidebrecht, (Founder|Policy Architects & Ontario Senior Solutions, if you are a 'Senior of Ontario" and in the market for a reputable insurance agent. James, is quite knowledegeable in his field and aim to get you the right policy within your budget. He is pleasant and easy to talk to and leave it up to you to make your own decision. Thank you James for advising me on my life expectancy needs. It has been a great pleasure. anniline angeles2024-04-21 James is very helpful to me and my family. He found a very viable reasonable financial solutions for my parents policies. He clearly explained the various provisions in the policies to my parents. Many thanks to you James. I appreciate your business. Violeta Adaoag2023-09-27 James is Very pleasant and very thorough. Elizabeth Willsteed2023-08-17 As a senior I didn't think I would be able to get the amount of insurance I needed at a reasonable price. James was patient, very knowledgeable and held my hand through the whole process. I was very satisfied with the personal service and my interaction with James. I would recommend him to anyone who is in need of insurance 100%. Thank you James. Bob Schwenger2023-08-02 James has only been a conscientious supporter of my wife and who are in our 60's. His advice and management of our accounts was always in good order and he never pressured us to commit to a final decision. I highly recommend the use of his services to anyone in need of an insurance coverage(s). Joan Mitchell2023-08-01 I am so used to people Sloughing me off, because of my age.I let them know what I think and get service anyway. With James, It was like talking to a friend. He explained everything, understood my problem, and treat me like we had known each other for a long time. We were on the page right away. Great dealing with him. Thanks, James He already got a picture of me. Jessie Watt2023-07-24 What a wonderful phone call I had with James , reaffirmed my belief in honest people he could easily have pushed me onward to another insurance company and I would be paying for something he told me I did not need he also got information from my insurance carrier to make it easier for my family , all I can say is thank you thank you 🙏 and I highly recommend James Heidebracht for anything you need to know stay well JamesGoogle rating score: 5.0 of 5, based on 52 reviews