Independent life, health and estate insurance advice
For you, and for everyone who comes after.
Independent advice on life, health and estate insurance for your family, your business and your estate. Then we stay with you, and with them.
- 60 years
- of advice, across three generations
- 15,000+
- clients and businesses served
- 30+
- Canadian insurers to draw on
- 7
- provinces and territories licensed
Life and health insurance, matched to the life you actually have.
Engineers and geoscientists
The Engineers Canada insurance plans, with an independent advisor who knows them inside out.
- Term to 85
- Term 20
- Prime health & dental
- Professional health & dental
- Disability
- Business overhead
- Critical illness
- Major accident
- Child life
Individuals and families
Coverage for the people who depend on you, including the complicated cases other channels turn away.
ExploreBusinesses and organizations
Benefits that help you keep good people, and protection for the business if a key person is lost.
ExploreFamily wealth and family offices
Estate liquidity, corporately owned insurance and charitable giving, coordinated with the rest of your advisors.
Who we are
A family business since 1966.
The people who set up your coverage are the people who will still be here when you need it.
- 1966IRichard “Dick” Garrett founded the firm
- 1976IIJack Garrett joined
- 2011IIIKyle Garrett joined
- 202660 years this December
Engineers Canada insurance plans
The same plans. The same premium. An advisor on your side.
Independent advice
We can place coverage with any insurer in Canada, and say so when something else fits better.
An application done right
Coverage amount, elimination period and your group plan, sorted before you apply.
A second line of support
You keep direct access to Manulife. When a claim gets difficult, we step in.
Stewardship over a career
Future Increase Options, Guaranteed Re-Entry and the move at 65, followed up personally.
Our advice on the Engineers Canada plans comes at no additional cost. How we are compensated
We work for you, not the insurer. Here’s what that looks like.
We learn your situation
Family, income, business, existing coverage and what you’re trying to protect, before any recommendation.
We recommend what fits
You get our recommendation, and our reasons, in writing.
We stay with you
Reviews as your life changes, and an advocate in your corner when you need to claim.
Client stories
In our clients’ own words
As we go through our life's journey, we cross paths with people and events that are life changing and yet we sometimes do not realize till much later… I am very grateful because I am able to navigate my future with much less concerns because of Garrett Agencies' good work, support, and advice over the years.
[My advisor] takes the time to fully explain the terms and conditions of each policy, you never feel rushed, and he is focused on making sure you are happy with the proper coverage.
[Our advisor] patiently, over an extended period of time, developed options that matched our needs and ultimately developed the best plan for us.
Garrett Agencies has been providing me insurance services for 15+ years. Outstanding customer service each and every time we need assistance!
[My advisor] made me feel that I am a VIP. I got a lot of responsive support from him. He also spent more than an hour helping me on Victoria Day.
Excerpts from client testimonials, shared with permission. Words in square brackets replace an advisor’s name.
Family wealth and family offices
The insurance specialist on your team of advisors.
Your lawyer handles the legal work, your accountant the tax and your wealth manager the investments. We handle the insurance, and we coordinate with each of them so the plan holds together across generations.
From our articles
Plain answers from people who do this every day.
Engineers Canada disability insurance: why association members can save thousands
Engineers Canada disability insurance can deliver significant long-term savings and extended protection compared to typical commercial coverage, especially for women and smokers.Read the article7 minute read- Disability insurance10 minute read
Mental health and insurance in Canada: what you actually need to know
Mental health history doesn’t automatically prevent you from getting insurance in Canada. What insurers actually look for may surprise you. - Health spending accounts5 minute read
Private MRI in Canada: wait times, insurance gaps, and how an HSA can help you get answers sooner
Facing months of waiting for an MRI? Learn why private scans are usually not covered by insurance in Canada and how a health spending account could help you get answers sooner. - Travel insurance7 minute read
Can you get travel insurance if you’re waiting for test results? What Canadians need to know
Waiting on medical tests or results can limit what travel insurance covers. What to check before you buy and before you go.
A question about your coverage? Ask us.
No obligation. We’ll tell you plainly what we think, including when you already have what you need.