Insurance, intelligently done.

Bima is a Canadian digital financial protection platform that helps people understand their insurance needs, compare coverage options in plain language, and connect with licensed insurance advisors. It uses an AI-powered tool called the Bima Intelligence Engine to guide users through a Protection Checkup, identify possible coverage gaps, and prepare a structured handoff to a licensed advisor who then confirms final quotes and completes the policy.

Bima simplifies the insurance process for Canadians in four steps: Learn (read plain-language insurance education), Check (complete a Protection Checkup), Understand (get your coverage gaps explained clearly), and Connect (get matched with a licensed advisor). Bima does not sell or issue insurance policies directly. It guides you to the right coverage and the right professional.

Bima is for every Canadian who wants to understand their insurance options without the confusion. This includes newcomers to Canada, young families, renters, first-time homebuyers, students, and anyone who finds traditional insurance conversations overwhelming. Bima is built to be accessible, multilingual-friendly, and jargon-free so that financial protection is no longer a privilege for the few.

The Protection Checkup is a short, guided conversation where you answer simple questions about your household, lifestyle, and current coverage. The Bima Intelligence Engine then converts your answers into a clear Protection Readiness Score that shows exactly which areas of your financial life may be underprotected, in plain language with no jargon.

Yes. Bima's basic Protection Checkup and all educational tools are completely free for consumers. There are no hidden charges to complete your checkup or get matched with a licensed advisor.

No. Bima does not sell or issue insurance policies. Bima is an educational and guidance platform. All final quotes, applications, underwriting, and policy placements are completed by licensed insurance professionals and regulated Canadian insurance carriers.

After completing your Protection Checkup, Bima creates a structured handoff package that includes your checkup responses, areas of interest, protection gaps identified, and preferred contact method. This package is shared with a licensed insurance advisor (with your consent) who then contacts you to review final options and complete the application.

Bima currently supports Term Life, Universal Life, Whole Life, Tenant Insurance, Health and Dental, Critical Illness, Auto, and Travel insurance. More product lines are being added as Bima expands its advisor and carrier network across Canada.

Bima is built for the Canadian market. Product availability, advisor access, and carrier options may vary by province as Bima continues to expand its partnerships.

Any figures shown on Bima are indicative estimates or ranges only, calculated from available carrier rate information based on details like your age, coverage amount, and location. A licensed insurance advisor must confirm your final binding premium before any policy is issued. Bima will never show you a single hidden number; it always shows a transparent range.

Yes. Bima is built with privacy-conscious design and consent-based data sharing. Your information is only used to support your Protection Checkup and prepare your advisor handoff. Bima is designed to align with Canadian privacy requirements including PIPEDA and relevant provincial privacy laws. Your information is never shared with an advisor until you explicitly give your consent.

Yes. You have the right to request access to, correction of, or deletion of your personal information, subject to legal, regulatory, and business recordkeeping requirements.

Traditional insurance brokers often begin with a sales conversation. Bima begins with education. Before you ever speak with an advisor, Bima helps you understand what you actually need, what your coverage gaps are, and what questions to ask. This means when you do speak with an advisor, you arrive informed and confident, not confused and pressured.

Absolutely. Bima was designed with newcomers to Canada in mind. The platform is built to be accessible regardless of your credit history, prior insurance experience, or familiarity with the Canadian insurance system. Tenant insurance through Bima is specifically newcomer-credit friendly.

The Bima Intelligence Engine is Bima's proprietary AI-powered conversational tool. It turns complex insurance questions into simple, guided conversations using voice or text. It analyzes your responses, identifies possible protection gaps, and generates a jargon-free Protection Summary to prepare you for a productive conversation with a licensed advisor.

Indicative estimates may be based on available carrier rate information and the details you provide, such as age, coverage amount, location, and other relevant factors. Final pricing depends on carrier underwriting and advisor confirmation.

Bima creates a structured handoff summary for a licensed advisor. This may include your protection checkup responses, areas of interest, preferred contact method, and consent records. The advisor then contacts you to confirm your needs, review final options, and complete the application process.

"Coming soon" means the product is planned for future availability but cannot currently be explored or quoted through Bima. Initial product availability may vary as Bima expands its advisor and carrier relationships.

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