Hi, I’m James Heidebrecht, Founder of Policy Architects. I’m a husband, father, musician and former audio junkie, who enjoys coffee and the occasional 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 help you and your family choose 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.
What Type Of Life Insurance Is Right For You?
Term Life is what most people think of when they come to us for their insurance needs. It’s affordable, easy to understand and the best way for breadwinners to protect their families over a set period of time.
Whole Life is coverage that doesn't expire, regardless of age or health. It’s permanent life insurance that pays a tax-free lump sum to your family whether you die tomorrow or when you’re 90
Final Expense is usually a small policy between $5,000 to $25,000, designed to cover your funeral costs. Many of these plans require no physical or medical exams to qualify.
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.
5 STARS
What Customers Say
I’m not really one to write reviews, but In this case I had to write that James provided sound quality advice when I simple “cold called” him concerning a non-medical life insurance policy from a specific company. He took the time and liberty to speak with me and provided knowledgeable advice and even went one step further by confirming for me by getting into contact with an underwriter. James was very easy to talk to and was very detailed oriented. I would recommend James at Policy Architects for all your personal insurance needs. Thank you, James,
James is a detail oriented, solution focused professional, willing to go the extra mile to make sure his clients get top shelf service. He helped me save a significant amount of money by re-writing one of my previous policies.
It was a great pleasure doing business with James. When I started my journey for a life insurance policy, I had very specific needs and also had a tight budget. James is solution oriented. He diligently addressed my needs to provide with the policy that covers me in a very satisfactory way. Most importantly, I did not feel pressure to buy anything. He took all the time to listen to my concerns and answer my questions. I definitely recommend James.
We have been dealing with James for over 2 years as our family grows. He has worked hard to find the right insurance for each of our family members, as we all required different needs. James is professional and very knowledgeable about life insurance. He is always available by phone and emails which is important with our crazy schedule. James is very easy to get a hold of and answer any questions, which is nice to have that customer services in this day and age. Mostly importantly, James is just a friendly, easy to speak with and family orientated person. I definitely recommend him!!!
Dorene Lively
18. May, 2022.
Verified
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 the bottom of my heart, Thank you James.
Diane Corning
31. March, 2022.
Verified
Frank Geldart
30. March, 2022.
Verified
James went to bat for me, and proposed the best option for my condition and was most helpful in gaining my policy. It was a pleasure to work with him, and I would testify to his willingness to go beyond the normal and secure the best outcome for you. I would recommend James to anyone with a need for the best service available. His site information was excellent.
Valerie Reynolds
9. March, 2022.
Verified
Very patient ,and curteous explained everything to me and shared options i felt comfortable as james walked me through step by step i would highly recommend him.
Steve Fralick
9. March, 2022.
Verified
Working with James was highly educational about final expenses and he was a great help with my situation .I found him to be a caring and honest individual and would highly recommend him to anyone else looking for solutions to final expenses . Yours Truly Steve Fralick
Jackie Hutton
5. March, 2022.
Verified
I had the pleasure of speaking with James Heidebrecht a Broker who gives guidance and helps people like myself find an appropriate Life Insurance Company. I am so impressed with this knowledgeable and patient gentleman. I had told him that I had just picked a policyholder but that I wasn’t sure I made the right choice. James Heidebrecht answered all of my questions so clearly plus gave me information I now am aware of. If I hadn’t spoke with James this week I was thinking of canceling my policy with Specialty Life Insurance Agent. He assured me I had made the right decision. I cannot thank James enough for his guidance. James Heidebrecht is a private Broker who will find an appropriate Life Insurance Company for your needs. Sincerely, Jacqueline Hutton
Brenda MacLeod
26. January, 2022.
Verified
Due to a recent unmanageable life insurance policy premium hike with our previous policy, my husband and I had no choice but to cancel the policy. Living in Nova Scotia we decided to shop outside of the box and were very fortunate to locate James in our web search. James' representation is professional, reliable, honest and diligent and who went above and beyond to find us the best manageable life insurance policy protection to suit our needs.
Shikha Thakral
11. November, 2021.
Verified
I have known James for a few years now, and he has been so wonderful over the years. He is extremely knowledgeable, responsive and helpful…. and not to mention relentless in the best way imaginable. He has persisted for years in trying to help a family member get life insurance coverage despite having a rare disease, which demonstrates that he truly cares and believes in the work he does. His advocacy goes above and beyond and I can’t say enough great things about him!
Nicole L.
30. September, 2021.
Verified
James was amazing to deal with. He presented us with many options, and then re-ran his quotes for us, letting us finesse coverage amounts and term lengths, to create a custom policy that worked best for us. He also saved us money, and was able to find affordable coverage for my husband who has a high risk job classification. Highly recommended!
