Insurance, intelligently done.
Understand your protection needs, compare options, and connect with trusted licensed advisors, all in one place.
~3-min checkupFrom confusion to clarity, in four steps.
Learn
Read simple, plain-language insurance education.
Check
Complete your Protection Checkup in a few minutes.
Understand
The Bima Intelligence Engine explains possible coverage gaps in plain language.
Connect
Get matched with a licensed insurance advisor.
See your range in seconds, not weeks.
Drag a few sliders and watch a transparent premium range appear, calculated from the same versioned carrier rate tables our advisors use. No email wall, no pressure.
- Real carrier maths, not a teaser number
- A clear range, never a single hidden figure
- Carry your answers straight into the AI checkup
$52–$67 /moEstimate your Term Life Insurance
Protection for every chapter
Available today, with more lines on the way. Pick one to get a quote.
Term Life
Protect your family's financial future with straightforward term coverage for 10, 20, or 30 years.
Get a QuoteUniversal Life
Permanent life coverage with a flexible investment component, adjust premiums and savings as your needs change.
Get a QuoteWhole Life
Lifelong coverage with guaranteed premiums and cash value that grows over time.
Get a QuoteTenant
Meet landlord requirements and protect your belongings and personal liability, newcomer-credit friendly.
Get a QuoteHealth & Dental
Extend provincial healthcare to cover prescriptions, dental, and vision with flexible tiers.
Get a QuoteCritical Illness
A tax-free lump sum on diagnosis of a covered condition, so you can focus on recovery.
Get a QuoteAuto
Fast, fair coverage for your vehicle with transparent, usage-aware pricing.
Get a QuoteTravel
Emergency medical, trip cancellation, and baggage protection for trips at home and abroad.
Get a Quote
Just talk. We'll do the paperwork.
The Bima Intelligence Engine turns complex insurance questions into simple, guided conversations. It helps you understand your needs, complete a protection checkup, identify possible coverage gaps, and prepare for a conversation with a licensed advisor.
Know exactly where you stand.
Bima distills your answers into a single, honest Protection Readiness Score, then shows the coverage gaps worth reviewing, in plain language.
Readiness 87Insurance, in eight simple steps
Sign Up & Verify
Create your Bima account and complete a quick digital identity and consent process so we can safely personalize your experience.
Start Your Protection Checkup
Answer a few simple questions about your household, lifestyle, and current coverage needs.
Talk or Chat with the Bima Intelligence Engine
Use voice or text to share your goals, ask insurance questions, and get guided through the process in plain language.
Turn Conversation Into Insights
Bima converts your responses into structured information and identifies possible protection gaps across areas like life, tenant, health, dental, and critical illness coverage.
Review Your Protection Summary
Receive a clear, jargon-free summary of your protection needs, possible coverage gaps, and options to discuss with a licensed advisor.
Compare Your Options
Bima helps you understand available protection pathways and compare options in a simple, transparent way.
Connect With a Licensed Advisor
Bima creates a structured handoff package for a licensed insurance advisor, including your checkup responses, protection interests, and preferred contact method.
Complete Your Coverage Journey
Your licensed advisor provides final advice, confirms available quotes, completes the insurance application, and helps secure the right coverage for your needs.
From sign-up to coverage, every step is guided, transparent, and built around your understanding, never a sales target, while staying compliant throughout.
The Bima way vs. the traditional way
Bima helps you move from confusion to clarity before you speak with an advisor. You understand your needs, review your protection gaps, and arrive prepared for a more productive insurance conversation.
Questions, answered
Is Bima a real insurance provider?
Bima is a digital financial protection platform. We help you understand your insurance needs, explore indicative options, and connect with licensed insurance advisors who can confirm final quotes and complete the policy application process. Coverage is provided by regulated insurance carriers.
Does Bima issue insurance policies?
No. Bima does not issue insurance policies. Final quotations, applications, underwriting, and policy issuance are completed by licensed insurance professionals and regulated insurance carriers.
Is my personal information secure?
We protect your personal information using privacy-conscious design, consent-based sharing, and security safeguards. Your information is used to support your protection checkup, prepare your advisor handoff, and improve your experience. We only share information with a licensed advisor after you consent.
What privacy laws apply?
Bima is designed for the Canadian market and is intended to align with applicable Canadian privacy requirements, including PIPEDA and relevant provincial privacy laws where applicable.
Are the quotes I see final?
No. Any figures shown by Bima are indicative estimates or ranges only. A licensed insurance advisor must confirm your final binding premium before any policy can be issued.
How is my pricing estimated?
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.
What happens after I choose an option?
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.
Is the Bima Intelligence Engine giving me insurance advice?
No. The Bima Intelligence Engine provides educational guidance and plain-language explanations to help you understand financial protection. Personalized insurance advice and final recommendations are provided by licensed insurance professionals.
Can I use Bima if I do not understand insurance?
Yes. Bima is designed for people who want insurance explained in simple language. This includes newcomers, young families, renters, first-time buyers, and anyone who wants to better understand financial protection.
Which provinces does Bima support?
Bima is being built for the Canadian market. Product availability, advisor access, and carrier options may vary by province.
What does "coming soon" mean on a product?
"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.
Does Bima cost anything for consumers?
Bima's basic protection checkup and educational tools are designed to be free for consumers. Future premium tools may be introduced for users who want advanced protection monitoring, renewal reminders, or deeper financial wellness insights.
Can I delete my information?
Yes. You can request access to, correction of, or deletion of your personal information, subject to legal, regulatory, and business recordkeeping requirements.
Will Bima send me marketing messages?
Only where permitted and based on your communication preferences. You can unsubscribe from promotional messages at any time. Commercial electronic messages in Canada are subject to consent and unsubscribe requirements under Canada's anti-spam rules.
Bima helps Canadians understand insurance before they buy it. With AI-powered guidance, plain-language education, and trusted advisor support, Bima turns a confusing process into a clearer, more confident path to financial protection.
Insurance, intelligently done.
Bima helps you understand your protection needs, compare options in plain language, and connect with licensed advisors, so protecting what matters feels clear, simple, and confident.
Free · ~3 minSee where you stand in minutes.
Start with a simple protection checkup, understand your options in plain language, and connect with trusted guidance when you are ready. No pressure. No jargon, just a smarter way to understand financial protection.