(416) 746-4142
info@dayainsurance.ca
ON · BC · AB · MB · SK · NS
EN
Daya Insurance — independent LLQP-licensed advisors serving Canadian families — illustration.
LLQP Licensed·20 Years·15+ Carriers·6 Provinces

20 Years. 500+ Families. One Mission.

Daya Insurance Agency Inc. is an independent, LLQP-licensed insurance brokerage in Etobicoke, Ontario, serving Canadian families since 2006. It holds contracts with 15+ Canadian carriers across life insurance, living benefits, visitor and Super Visa insurance, and segregated-fund investments, is licensed in six provinces, and advises in English, Punjabi, Hindi, and Gujarati.

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Independent — 15+ Carriers
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Advice in 4 Languages
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6
Coverage Types
15+
Top Insurers
20+
Years Serving
Canadian Families
500+
Families
Protected
6
Canadian Provinces
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Carriers Compared
for Every Client
Daya Insurance
Agency Inc.
Etobicoke, Ontario
Licensed in 6 Provinces
15+ Carriers · LLQP Licensed
Our Story

Built for Canadian Families.
Rooted in the Community.

Daya Insurance Agency Inc. was founded with a single conviction: every Canadian family deserves honest, unbiased financial protection — regardless of how complex their situation is, or how recently they arrived in Canada.

We recognized that many families were being sold policies that did not fit their needs — policies designed around the insurer's interests, not the client's. As a fully independent brokerage licensed across 6 provinces, we owe nothing to any insurer. We hold contracts with 15+ Canadian carriers and recommend only what fits your specific life, health situation, and budget. If a policy from one carrier is not the right fit, we tell you — and we find one that is.

"Whether you are a newcomer establishing roots in Canada, a business owner protecting your assets, a homeowner thinking about your mortgage, or a family bringing parents on a Super Visa — we treat your financial security as if it were our own."

Based in Etobicoke, Ontario and licensed across 6 Canadian provinces, we serve families from diverse backgrounds — from newcomers arriving in Canada for the first time to established professionals building multi-generational wealth. With multilingual support in English, Punjabi, Hindi, and Gujarati, we ensure no one is left without the financial protection they deserve simply because of a language barrier. Our community is our home, our focus, and our absolute privilege to serve every day. We are committed to being the most trusted and most recommended independent insurance and investment agency for Canadian families — not just today, but for generations to come.

Mission & Values

What We Stand For

Every decision we make — from the carriers we recommend to the advice we give to the way we explain a claim exclusion — is guided by three principles that have been at the absolute core of everything we do at Daya Insurance since the very first day we opened our doors.

Our Mission

To empower every Canadian family and business with the financial protection strategies they need to thrive — explained clearly, without jargon, and tailored to their specific life, language, and circumstances. We believe protection should be genuinely understood by the person buying it, not just processed and filed away. An informed client is a protected client — and that is the outcome we work toward in every single conversation.

Client-First, Always

We work for you — not for any insurer, not for any quota, not for any target. As fully independent advisors, we compare 15+ carriers to find what fits your specific situation, health history, and budget. We never push a product because it pays us more commission. When a client asks us if a particular policy is the right choice, we answer honestly — even if the honest answer is no. Our only obligation is to the person sitting across from us, and we intend to keep it that way.

Honesty Is Our Policy

We explain the fine print — the exclusions, the limitations, and the real cost of coverage — so you know exactly what you are buying. No surprises at claim time. No hidden conditions. We believe an informed client makes the best decisions.
Our Credentials

Licensed & Regulated Across 6 Canadian Provinces

Daya Insurance Agency Inc. holds LLQP licences issued by the regulatory authority in each province we serve. Every client in every province is protected by the same rigorous licensing standards and regulatory oversight.

Ontario

Active

British Columbia

Active

Alberta

Active

Saskatchewan

Active

Manitoba

Active

Nova Scotia

Active

Life Licence Qualified Professional (LLQP) — All advisors at Daya Insurance hold LLQP certification, the national licensing standard for life insurance, living benefits, and investment products in Canada. Our licences are maintained in good standing with the regulator in each province we serve. You can verify our licence status at any time directly through the insurance regulator in your province — FSRA in Ontario, BCFSA in BC, AIC in Alberta, FCAA in Saskatchewan, MGA in Manitoba, and NSIO in Nova Scotia. We welcome verification and encourage every prospective client to confirm the credentials of any advisor they work with.

Our Expertise

What We Do for Canadian Families

We offer a full suite of insurance and investment solutions — all under one roof, all from a licensed independent advisor who puts your interests first. Whether you need coverage for today or a savings plan for tomorrow, we have the products and the expertise.

Term Life & Permanent Life Insurance
Critical Illness & Disability Insurance
Visitor & Super Visa Insurance
Mortgage & Final Expense Insurance
RESP Education Savings & CESG Grants
TFSA, RRSP, FHSA, RDSP Investments
Segregated Fund Investments
Corporate & Business Insurance
Our Community

Here for Every Canadian Family

Daya Insurance was built to serve Canadian families — families right across Canada. We understand the real-life moments that shape your needs — growing a family, buying a home, planning for retirement, or welcoming parents and grandparents to Canada.

Whether you are bringing parents or grandparents on a Super Visa — or establishing an RRSP for the first time after arriving in Canada — we offer advice in your language — English, Punjabi, Hindi and more. We understand the difference between what a policy says and what it actually covers, and we explain that difference clearly in the language you are most comfortable in.

Our clients come from Brampton, Etobicoke, Mississauga, Surrey, Burnaby, Calgary, Edmonton, Winnipeg, Halifax, and communities across all six provinces we serve. Many of our clients are first-generation Canadians who trusted us to explain the Canadian insurance and financial system clearly, honestly, and in a language that felt familiar. That trust is something we take seriously every single day. Wherever you are in Canada, Daya Insurance is here to serve you.

We serve clients in:
English
Punjabi · ਪੰਜਾਬੀ
Hindi · हिन्दी
Gujarati · ગુજરાતી
20

Minutes

Average time to confirm Super Visa insurance coverage for clients with urgent travel deadlines.
$380

Average Savings

Typical annual saving for homeowners who switch from bank mortgage insurance to personal term life coverage.
100%

Independent

We are not owned by or tied to any insurer. Every recommendation is made purely in your interest.
$7,200

Max CESG

Government education grant per child we help families recover and maximize through RESP planning.
The Daya Difference

Why Families Choose Daya Insurance

There are many insurance agencies in Canada. Here is what makes us different — and why it matters to you and your family.

Truly Independent — We compare 15+ carriers and recommend what genuinely fits your life and circumstances, not what pays us more commission. No quotas, no preferred products, no carrier bias, no sales scripts designed to push a specific product. Our advice is driven entirely by what is right for you.
Licensed in 6 Provinces — Wherever you or your family are in Canada — Ontario, BC, Alberta, Saskatchewan, Manitoba, or Nova Scotia — we are licensed to advise and serve you.
Multilingual Service — English, Punjabi, Hindi, and Gujarati. We communicate in your language so nothing is lost in translation when it matters most.
Claims Guidance Included — When you have a claim, we advocate alongside you. You never navigate an insurer alone. We prepare documentation, communicate with the carrier, and stay with you through the entire claims process to ensure a fair and timely outcome for your family.
No Sales Pressure — Ever — We listen first, always. We explain every option clearly. We only ever recommend what genuinely fits your situation, your budget, and your long-term goals.
Lifetime Relationship — Our service does not end when you sign. We are here for renewals, policy changes, named beneficiary updates, new life events like marriage, divorce, or the birth of a child, and every other occasion when your coverage needs to be reviewed and updated. Many of our clients have been with us for over a decade and treat us as their trusted financial advisor for life.
Full Transparency on Costs — We show you what coverage costs across multiple carriers before you make any decision. You see the full comparison, the exclusions, the real numbers, and the differences between options — presented clearly and without pressure, never as a rushed pitch designed to close a sale.
Our Office
Address
1694 Albion Road, Unit 1
Etobicoke, Ontario M9V 1B8
Phone & WhatsApp
(416) 746-4142
FAQ

Common Questions About Daya Insurance

Is Daya Insurance independent or tied to a specific insurer?
Daya Insurance Agency Inc. is fully independent — we are not owned by, affiliated with, or contractually exclusive to any insurance carrier. We are not a bank branch, a captive agency, or a tied representative. We hold contracts with 15+ Canadian insurance carriers, which means we can genuinely compare products across the market and recommend what fits your specific situation, health history, and budget. Our compensation comes from the carrier whose product you choose to purchase, but our advice and obligation is entirely to you. We never recommend a product because it pays us more commission. We have no sales targets for any specific carrier and no financial incentive to favour one insurer over another. If a product from a carrier we represent is not the best fit for you, we tell you clearly — and we find one that is.
What provinces does Daya Insurance serve?
Daya Insurance Agency Inc. is licensed and actively serves clients in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba, and Nova Scotia. We can advise and service policies for clients residing in any of these six provinces. Full licence numbers are available on our Disclaimer page: Ontario 41482M, BC LIC-2024-0052738-R01, Alberta 5-11377549-2025, Saskatchewan 09486, plus Manitoba and Nova Scotia. Virtual appointments are available across all licensed provinces. If you are in a province we are not yet licensed in, we will tell you clearly and can refer you to a trusted advisor in your area.
What does it cost to get advice from Daya Insurance?
There is no fee to receive advice, compare quotes, or consult with a Daya Insurance advisor for any insurance or investment product. Our compensation is paid by the insurance carrier when you choose to purchase a policy — the same model used by every insurance broker in Canada. You pay the published carrier premium for your policy, which is identical whether you apply directly through the carrier or through an independent advisor like Daya Insurance. Using an independent advisor costs you nothing extra and gives you access to unbiased comparison across 15+ carriers that you cannot get by going directly to one insurer. There is no markup, no hidden fee, no service charge, and no obligation to purchase. For investment products, management expense ratios are disclosed in the Fund Facts document before you invest and are consistent with what the carrier charges on any equivalent product.
Does Daya Insurance offer advice in Punjabi, Hindi, or Gujarati?
Yes — Daya Insurance provides insurance and investment advisory services in English, Punjabi (ਪੰਜਾਬੀ), Hindi (हिन्दी), and Gujarati (ગુજરાતી). We serve Canadian families across Ontario, British Columbia, Alberta, and all six licensed provinces. Insurance decisions are important — we make sure you fully understand every option in the language you are most comfortable with.
Can you help newcomers to Canada with insurance and investments?
Yes — serving newcomer families to Canada is one of the most important things we do. We understand that navigating the Canadian insurance and financial system as a newcomer can be overwhelming, particularly when you are still learning the language, the tax system, and the financial landscape of a new country. We walk every newcomer client through the basics: what life insurance is and why it matters, how the TFSA and RRSP work for new arrivals, how RESP grants can fund your children's education, what visitor insurance covers for parents on a Super Visa, and how the Canadian financial system differs from what you may have experienced in your home country. We advise in English, Punjabi, Hindi, and Gujarati — and we take the time that every new client deserves. There is no rush, no pressure, and no limit on how many questions you can ask. Many of our long-term clients started with a single question about visitor insurance for their parents — and discovered we could help with their life insurance, their children's RESPs, their own TFSA, and their retirement planning as well.
Can you help with Super Visa insurance for my parents visiting Canada?
Yes — visitor insurance and Super Visa insurance for parents and grandparents visiting Canada is one of our most requested services and an area where we have deep expertise. We compare 9 Canadian insurance carriers for visitor and Super Visa insurance, and we process applications quickly — often confirming coverage and issuing policy documents the same day for clients with urgent travel deadlines. We explain the policy terms in detail — including pre-existing condition clauses, stability requirements, and claim exclusions — in English, Punjabi, Hindi, or Gujarati, so you understand exactly what the policy covers and does not cover before you purchase. Super Visa insurance must meet specific Government of Canada requirements, and we ensure every policy we issue meets them. Visit our Visitor Insurance and Super Visa Insurance pages for detailed coverage comparisons and quotes.
Does Daya Insurance offer investment advice as well as insurance?
Yes — in addition to insurance products, Daya Insurance is licensed to advise on and open investment accounts through segregated fund contracts issued by licensed Canadian insurance carriers. We help clients open and manage TFSA, RRSP, RESP, FHSA, RDSP, and non-registered investment accounts. All investment accounts at Daya Insurance are held inside segregated fund contracts — which provide the same tax advantages as bank investment accounts, plus four protections that bank accounts cannot offer: a death benefit guarantee (75%–100% of net deposits), a named beneficiary designation that bypasses probate at death, potential creditor protection when a preferred beneficiary is named, and a maturity guarantee on net deposits. We do not sell mutual funds, ETFs, or GICs directly — our investment products are exclusively segregated funds, regulated under provincial insurance legislation and sold only by LLQP-licensed advisors. If you already hold TFSA, RRSP, or other registered accounts at a bank, we can help you understand whether a segregated fund contract would provide better protection for your accumulated savings.
How can I verify that Daya Insurance is properly licensed?
You can verify Daya Insurance's licence status directly through the insurance regulator in your province: FSRA in Ontario (Licence 41482M), BCFSA in British Columbia (LIC-2024-0052738-R01), AIC in Alberta (5-11377549-2025), FCAA in Saskatchewan (09486), MGA in Manitoba, and NSIO in Nova Scotia. We welcome verification and encourage every prospective client to confirm the credentials of any advisor they work with.
What is an independent insurance broker in Canada?
An independent insurance broker in Canada is a licensed advisor who holds contracts with multiple insurance carriers and is not employed by or exclusively tied to any single insurer. Unlike a captive agent who can only sell one company's products, an independent broker compares plans across many carriers and recommends what genuinely fits the client's situation. Daya Insurance holds contracts with 15+ Canadian carriers, allowing us to provide a comprehensive market comparison for every client.
Where is Daya Insurance located and how can I reach them?
Daya Insurance Agency Inc. is located at 1694 Albion Road, Unit 1, Etobicoke, Ontario, M9V 1B8. You can reach us by phone at (416) 746-4142, by WhatsApp at the same number, or by email at info@dayainsurance.ca. We are available Monday to Friday 11AM to 6PM and weekends by appointment. Virtual appointments are available across all six licensed provinces — no in-person visit required.

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1694 Albion Rd, Unit 1, Etobicoke, ON · Licensed in 6 Provinces
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