Welcome to DS, your Creditor Insurance Replacement Specialists.
We save you money.
Compare and save up to 50% or more by replacing creditor insurance with a personalized and affordable term life policy.
Creditor insurance protects the lender from any outstanding balance of your loan upon death.
Often bundled with mortgage loans, it is expensive yet not required and can be easily replaced.
What we do:
For example:
Meet Pam
A 56-year-old, healthy non-smoker from Waterton, AB.
She owns a home with $300,000 left on her mortgage. Her creditor insurance costs $228 per month.
Our alternative: a personalized T-15 at $98 per month, saving her $1,560 each year — over 55%.
We also provide complete Life & Health services such as Loss of Income, Health & Dental, Travel, Critical Illness, and more.
Fast, fair, and innovative insurance solutions.
Friendly 30-minute virtual appointments.
Access to 100+ insurers, such as:
Canada Life
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BMO Assurance
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Empire
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The Edge
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ATB Financial
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CPP
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Green Shield
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Industrial Alliance
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Canada Life - BMO Assurance - Empire - The Edge - ATB Financial - CPP - Green Shield - Industrial Alliance -
Our Mission
To provide the power of personal care with leading-edge life insurance innovations.
Your Advisor
Darren Strydom, BSc.
A first-generation Canadian-raised immigrant, Darren has academic roots in the sciences and offers unique personal and industry perspectives alongside expert personal service.
After a family member passed, he expanded from the sciences to ensure that the care his family needed would be provided to others. Darren has independent insurance licensing with access to companies across Canada. Abandoning the safety-net of corporate structures, he volunteers independent risk for true client-first business principles and accessibility.
Our Platform
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The innovative database we utilize accesses over 100 companies across North America, providing comparisons and estimates of over 200,000 policy rates, ensuring cost-effective solutions.
However, there is far more to your policy than receiving a cheap rate. We also evaluate insurers based on claim-payout risk, equity value, customer reputation, and more to ensure that you will not only receive a highly competitive rate, but also a reliable experience throughout the life of your plan. You will receive the right policy and real, personal advocacy.
Life insurance is not just a product — it is a relationship.
After receiving your personalized policy, your advisor will periodically evaluate your policies to ensure they always meet your needs.
The same advisor will also provide professional advocacy and service for the insured and their loved ones after a passing, illness, or accident.
