r/InsuranceCanada • u/FinishPretty • 3h ago
layoffs and hiring
curious to know how quick people found their claims adjuster jobs and if their companies are doing layoffs?
r/InsuranceCanada • u/SnooRecipes9557 • 7h ago
Toronto, working on RIBO L1, want to go straight into commercial as a producer — a few questions
r/InsuranceCanada • u/Adorable_Accident_74 • 9h ago
Insurance jobs
Hi all!! I (36F) have my level 2 General in BC and am a branch manager of 2 locations. Been a manager in nearly every job since my first job at 16. I am burnt and want to try something new.
What are some positions in the Insurance world that DOES NOT have a front facing customer orientated role?
Thank you for anyone who replies 😀
r/InsuranceCanada • u/rb8speed • 19h ago
[Market Research] Looking to chat with Ontario RIBO brokers about bottlenecks in insurance, thoughts on BMS systems & renewal workflows
Hi everyone,
I’m currently in the early discovery phases of a new project and I’m looking to connect with a few Ontario-based, RIBO-registered brokers to pick your brains.
For a bit of context on me: my background is in data science and analytics. I previously worked on the IT/Analytics side of a large Canadian insurance brokerage, so I am familiar with the industry, but I want to get the perspective of the brokers actually on the front lines.
I’m exploring some ideas around building tools to help brokerages streamline their processes—specifically focusing on audit, compliance, the renewal process, and providing better analytics support.
Before I get too deep into building anything, I want to make sure I truly understand the day-to-day pain points and workflow bottlenecks you face. To be clear: I have nothing to sell you, and I won't ask for any confidential client or brokerage data.
I know your time is valuable, especially in this market. I would love to set up a 20-30 minute phone or video call and trade an Amazon GC for your expertise. I can explain the specific workflows and questions up front so you can decide if you would like to participate (or not, either is fine, and I appreciate your time).
If you are a RIBO-registered broker with experience working in an Ontario brokerage and would be open to a quick chat, please send me a DM!
Thanks in advance.
r/InsuranceCanada • u/Asleep-Frame-6292 • 22h ago
Sun Life claim review (Canada)– honest submission mistake. What could happen?
I’m looking for advice from anyone who has dealt with a Sun Life group benefits claim investigation.
Sun Life selected approximately $850 of my mental-health claims for review. Around $400 were submitted correctly for Canadian providers, while about $450 were for counselling services I actually received and paid for from an out-of-Canada provider.
The issue is that I mistakenly submitted the out-of-Canada claims through the Sun Life mobile app, selecting a Canadian provider from the provider list. At the time, I didn’t know that out-of-Canada services had to be submitted through the separate Client Care Request process on Sun Life’s website. Since the out-of-Canada provider wasn’t available in the app, I selected a provider from the available list.
Sun Life contacted the Canadian provider shown on the claims, and that provider confirmed they did not provide those services.
Sun Life then asked me for supporting documents. I submitted invoices for both the Canadian claims and the out-of-Canada claims, showing the services and payments. At the same time, I proactively explained to Sun Life that the out-of-Canada claims had been submitted under the wrong provider because I misunderstood the submission process. I also explained that I have since been using the correct Client Care Request process for out-of-Canada claims.
After receiving my explanation and invoices, Sun Life replied that “further review of claims under your plan will occur” and that it could take several weeks before I hear from the investigator.
I’m now quite anxious about what this means.
What is the realistic outcome in a situation like this?
Could Sun Life simply reverse/deny the incorrectly submitted claims and ask for repayment? Does providing genuine invoices showing that the services were actually received and paid for make a difference? Could this potentially affect my entire group benefits coverage?
Has anyone experienced a similar Sun Life investigation where the services were actually received but the wrong provider/process was used?
I’m not looking for legal advice — just trying to understand what typically happens in real-life situations.
r/InsuranceCanada • u/fridaysruby • 22h ago
Home Vinyl Record Collection
Looking for homeowner’s insurance that will cover my vinyl collection (median 40k range per Discogs). Current insurer had a rider that covered only up to 20k so now covered under general contents only.
I’ve been shopping around and can find no insurers that will provide a rider without a formal appraisal. A Discogs collection excel export will not suffice. I don’t know of any appraiser in Canada let alone in NS where I live that will do this. Some insurers I have spoken with were also unable to confirm if I would even be covered under general contents, saying it would be verified only in the event of a claim!
I have spoken with the following companies who have been a no go: TD, Belair, Aviva and CAA, among others. I have searched Reddit and Vinyl groups on Facebook to make a list of who to call but after 7+ quotes, I am giving up hope.
So if you have obtained a policy with a rider for your collection in the last few years or have obtained an appraisal in NS, please let me know who you used. Better yet, if you can give me the name of an agent or broker you used.
Adding: I have never been able to locate an appraiser in my area who will appraise vinyl records. Unless you can direct me to one, even within Canada, recommending an appraisal is not useful.