Independent Life Insurance Broker in Nova Scotia, Ontario & New Brunswick
Life Insurance Advice that Saves You Money, Taxes, Time and Stress
Hi, I'm Colin Touchie, an independent life insurance broker based in the Halifax Regional Municipality, serving clients across Nova Scotia, Ontario, and New Brunswick.
- Independent broker, not tied to one carrier
- 15 years experience
- No-pressure comparison process
- Help with term, mortgage protection, business owner coverage, permanent insurance
- Access to 15 top Canadian companies — like a mortgage broker, but for life!
Service en français disponible — Bilingual.
Experience you can trust. Advice you can understand.
I'm an independent advisor serving families and business owners, and the founder of A Better Broker (ABetterBroker.ca Inc.). I help Canadians navigate the complex world of life insurance — from term life insurance in Nova Scotia to business owner life insurance and permanent coverage. Because I'm independent and work with 15 Canadian insurers through PPI, my only goal is finding the perfect solution for your specific needs.
For full transparency: I also lead group benefits partnerships at Belmont Health & Wealth.
100% Independent
I work for you, not the insurance companies. You get unbiased advice tailored to your goals.
An independent broker IS a better broker.
15 Years Experience
Deep industry knowledge to help you make clear, confident decisions without the jargon.
An experienced broker IS a better broker.
Client-First Approach
No pushy sales tactics. Just clear, straightforward advice to help you find the best plan/price/company for your individual situation.
A broker who puts YOU first is a better broker.
Built for the people with the most to protect
I work with families, business owners, and incorporated professionals across Ontario, Nova Scotia, and New Brunswick — each with different needs and the same goal: protecting what matters.
Individuals & Families
Households across Nova Scotia, Ontario, and New Brunswick that want life and mortgage protection for income replacement and long-term peace of mind.
Business Owners
Corporations, entrepreneurs, and family businesses in the Maritimes and beyond planning for continuity, key people, and tax-efficient transfer through tailored business owner life insurance.
Incorporated Professionals
Doctors, dentists, lawyers, accountants, and consultants using corporate structures wisely.
High-Net-Worth Clients
Families with assets and estates who want wealth to move intentionally between generations.
Who I help most
These are the conversations I have every week — real situations where the right advice makes a measurable difference for families and businesses across Nova Scotia, Ontario, and New Brunswick.
New Mortgages & Renewals
HRM, all NS, Moncton & south NB
Bank mortgage insurance vs. your own term policy — a question people ask constantly. I show you why personal term usually costs less, stays level, and follows you if you switch lenders.
Learn more →Small Business Owners & Incorporated Professionals
Across NS, ON & NB
Corporate-owned whole life and term strategies that use corporate dollars efficiently, fund buy-sell agreements, and create tax-advantaged wealth inside your holding company.
Learn more →Healthcare Workers & Public Servants
Group plan holders
When group life coverage isn't enough — and what happens to it when you leave the job. I help you layer personal coverage so a career change or retirement never leaves your family exposed.
Learn more →Francophone & Acadian Families
Anywhere in NB, NS & Ontario
Service en français for Francophone and Acadian families anywhere in New Brunswick, Nova Scotia, and Ontario. Clear, bilingual advice so language is never a barrier to protecting what matters most.
Learn more →Military Families
CFB Halifax, Shearwater, Greenwood & Gagetown
How military group coverage compares with owning personal coverage that stays with you after release. Personal policies can't be cancelled by a posting or a release — your protection moves with you.
Learn more →Hard-to-Insure Clients
Declined, rated, or postponed before
Every insurer underwrites differently — what one rates heavily, another may approve at a better class. I shop your file across 15 carriers, including simplified-issue and no-medical options, so a health history or a past "no" doesn't end the conversation.
Learn more →Proudly partnered with top Canadian carriers
What Clients Say
Don't just take my word for it. Here's what families and business owners have to say about working together.
"Thank you so much! You truly made the process stress-free for us. I spoke with many people before, and I'm so glad we chose to work with you; you were the best throughout the entire process. Wishing you a great day!"
— Shally
"Colin is reassuring, kind and patient. He offers his service in a non-judgmental, friendly way and always has your best interest at heart."
— KF
"Colin knows his job perfectly and makes clients feel comfortable enough to ask any questions they have in their life insurance purchasing journey."
— ST
"In these days of remote work and so much electronic, on-line self serve shopping it was a distinct pleasure to deal with Colin. He is very personable, an excellent communicator, and has amazing abilities in connecting and following up with those he makes contact with."
— RK
A calm, considered process — from first conversation to lasting plan
Education comes first. You'll understand every option before any decision is made.
Discover
We learn about your family, business, goals, and what you want your wealth to do.
Educate
You'll understand every strategy in plain language before any decision is made.
Design
Your strategy is built around your tax picture, estate goals, and corporate structure.
Implement
We coordinate with the right carrier and your advisors to put the plan in place.
Review
Your plan evolves as your business, family, and circumstances change.
Your plan works best when your whole team is aligned
I work closely with your accountant, lawyer, and advisory team to make sure your insurance strategy is integrated with your larger financial goals — not layered on top of them.
Your Strategy
A Better Broker
Choose a time. The first conversation is on me.
Pick any open slot — the calendar is live. One relaxed, plain-language conversation about what you've built and what you want it to do. No cost, no obligation, no pressure.
- Complimentary & no obligation
- Virtual across ON, NB & NS
- Your accountant welcome to join
Prefer to talk first?
About Colin Touchie
Independent broker with 15 years of experience, based in HRM, licensed in ON, NS & NB, working with 15 Canadian insurers. Born in Bathurst, raised in Moncton — bilingual service available.
Learn more →Life Insurance Services
Term life, whole life, mortgage protection, and permanent insurance. Clear, transparent strategies tailored to your life stage — compared across 15 carriers.
Learn more →Business Owner Insurance
Buy-sell funding, key person coverage, corporate-owned life insurance, and tax-efficient wealth transfer for incorporated business owners and professionals.
Learn more →Let's Talk
Hi, I'm Colin Touchie. I provide expert advice on mortgage life insurance alternatives in Canada, term permanent life insurance and business owner protection life insurance in Ontario, New Brunswick and Nova Scotia.
Contact Information
Phone
In-Person Meetings & Licensing
Licensed in NS, ON, and NB. In-person appointments available in:
- Nova Scotia (HRM): Dartmouth & Bedford
- New Brunswick: Moncton & Saint John
Virtual consultations available across ON, NB & NS. Service en français disponible.
YouTube
A Better Broker ChannelSchedule a Call
Pick a time that works best for you for a quick 15-minute introductory chat.
Book a Call