You have the choice of working with an insurance advisor or buying coverage directly from an insurance company. When you get the help of an advisor, your advisor gets paid a commission by the insurance company. This means the cost of any particular coverage is the same whether you get it through an advisor or on your own. So you’ll never pay a fee for our help, and you won’t save anything by handling things yourself. We are not incentivised to offer any particular brand or plan. Our role is to present plans we sincerely believe are right for you and to be your advocate. In the long term, our relationships with our clients are far more valuable than trying to get a bit of extra commission.