Home-Based dental and health plan advisor

The insurer pays you commission. Your clients are self-employed people, contractors, retirees, newcomers to Canada and families without workplace benefits.

A commission on each policy placed, usually followed by smaller renewal commissions while the policy stays active. Income builds slowly as your client base grows.

• Explaining plans in plain language
• Honest, trustworthy sales conversations
• Careful paperwork and record keeping

• A provincial licence is needed to sell insurance, and Quebec has its own certification through the AMF, so check your regulator
• Errors and omissions insurance is usually required, so check what your MGA or regulator expects
• Commission can be clawed back if clients cancel early
• Government dental coverage may change which clients need private plans, so check current eligibility rules
• Client health and financial data is covered by privacy law, so check your obligations before storing it

Estimates suggest startup costs are typically around $1,500 to $5,000, depending on your licensing route, your managing general agency and your home office setup. Check what your MGA or regulator expects before you commit to any spending.

Estimated monthly revenue is typically around $600 to $3,000, depending on how many clients you help and which plans they choose. Commission can be clawed back if clients cancel early, so check how your contract handles that.

Check your provincial regulator, as a licence is needed to sell insurance and Quebec has its own certification through the AMF. Also check errors and omissions insurance requirements, current government dental coverage eligibility rules, and your privacy obligations for client data.