Terms of use.

M Branch Financial is an independent Canadian life insurance brokerage. We are licensed to act as a life insurance agent in the provinces in which we operate and hold appointments with multiple Canadian life insurance carriers. We are not an insurance company; we do not underwrite or issue insurance policies.

We provide an online tool that gathers information about your insurance needs and matches you with appropriate products and carriers from our roster of appointed insurers. A licensed advisor reviews your information, provides quotes from the carriers we believe are the best fit, and helps you complete an application if you choose to proceed.

Our service is free to use. We are compensated by the insurance carrier when a policy is issued and remains in force, in accordance with industry standards and applicable regulations.

Any premium ranges, product recommendations, or eligibility indications shown on this website are estimates only, based on the information you provide and general carrier rate benchmarks. They are not binding offers of insurance.

Actual premiums, available coverage, and policy terms depend on full underwriting by the insurance carrier and may vary based on health history, lifestyle factors, medical examinations (if required), the specific policy chosen, and the carrier's assessment of your application. Approval is at the sole discretion of the insurance carrier.

To use our service, you must:

• Be the age of majority in your province of residence and legally able to enter into a contract.
• Be a resident of Canada in a province where we are licensed.
• Provide accurate and complete information when submitting forms on our website.

You agree that:

• The information you provide is accurate, complete, and current to the best of your knowledge. Misrepresenting information on an insurance application can void coverage at the carrier's discretion.
• You will not use our website or services for any unlawful purpose, to harass, or to submit information about another person without their authorization.
• You will not attempt to interfere with the operation of our website or systems.

Use of our website and submission of information does not guarantee that you will be approved for insurance or that coverage will be available on any specific terms. Insurance is subject to the underwriting requirements, rates, and discretion of each carrier.

All content on this website — including text, graphics, logos, the M Branch Financial name and tree mark, and software — is owned by M Branch Financial or its licensors and is protected by Canadian and international copyright and trademark law. You may not reproduce, modify, distribute, or create derivative works from any portion of this website without our prior written permission.

Our website may include third-party services and content, including but not limited to scheduling, payment, and analytics tools. We are not responsible for the content, policies, or practices of any third party. Your use of third-party services is subject to those parties' own terms and privacy policies.

To the maximum extent permitted by law, our website and services are provided “as is” and “as available,” without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of harmful components.

Nothing on this website constitutes individualized financial, tax, or legal advice. For advice specific to your situation, consult a qualified professional.

To the maximum extent permitted by law, M Branch Financial, its directors, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or use, arising from or related to your use of our website or services, even if we have been advised of the possibility of such damages.

Our total cumulative liability for any claim arising from or related to our website or services will not exceed CAD $100 or the amount you paid us in the twelve months preceding the claim, whichever is greater. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of these limitations may not apply to you.

You agree to indemnify and hold harmless M Branch Financial and its affiliates from any claims, damages, losses, or expenses arising out of your use of our website or services, your breach of these Terms, or your violation of any law or the rights of a third party.

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law principles. Any dispute arising out of or related to these Terms or our services will be brought exclusively in the courts of Ontario, and you consent to the jurisdiction of those courts.

We may update these Terms from time to time. When we do, we will revise the “Last updated” date at the top of this page. Continued use of our website after changes are posted constitutes your acceptance of the updated Terms.

For questions about these Terms:

M Branch Financial
Email: matt@mbranchfinancial.com