You pay us nothing. Here is who does, how much, and what it does not buy them.
Comparison platforms are paid by the businesses they refer you to. That is not a problem in itself — it becomes one when the amount, the trigger and the effect on what you are shown are left vague. This page states all three.
One sentence, then the detail.
| Question | Answer |
|---|---|
| Who pays | The participating licensed brokerage or agency that receives the introduction. Never the consumer, never the insurer directly. |
| What triggers payment | An accepted introduction — a request that meets the partner’s stated acceptance criteria and is passed to them. Not a sale. |
| How much | A flat per-request fee, set in the partner agreement, identical across all partners in a given product line. The current schedule is available to any partner on request and to any regulator on demand. |
| Does it vary by premium | No. A $900 auto policy and a $9,000 commercial policy carry the same fee. |
| Does it vary by outcome | No. We are paid the same whether you bind, decline or never answer the phone. |
| Can a partner pay for better placement | No. There is no paid placement, no sponsored slot, no promoted result and no paid ordering anywhere on this site or in the request flow. |
| Can a partner pay to be reviewed favourably | No. Editorial content is produced under a published editorial policy and is not sold. |
| Do we sell your data | No. Your information goes to the specific licensed organization named to you before submission, for the purpose of your request. It is not sold to a list, an aggregator or a third-party marketer. |
If everyone pays the same, what decides who you get?
This is the question the compensation disclosure exists to answer, and the one most platforms leave open. Because the fee is flat and identical, it carries no information — routing is decided entirely by whether a partner can actually serve you.
Licence and territory
Is the organization licensed in your province for the product you asked about? Anything else is disqualifying, not a tiebreak.
Market access
Do they hold a contract with insurers who write your class of risk? A brokerage without a market for your trade cannot help you.
Capacity and service record
Measured response time, acceptance rate and complaint record. A partner who does not answer stops receiving introductions.
The same story to consumers and to partners.
It is common for a comparison platform to describe itself to consumers as a helpful referral service, and to describe the same activity to prospective partners as selling several hundred thousand leads a year. Both descriptions are accurate. Presented to two audiences who never see each other’s page, the pair is misleading.
Our partner-facing page and this page use the same words for the same thing. The volume figures we quote to prospective partners are the volume figures published here. If you are a consumer reading the partner page, nothing on it should surprise you.
The panel is not the market
We publish the count of participating insurers reachable through our panel, dated, with the list. If the count and the list disagree, the list wins and the count gets corrected.
A headline provider count that cannot be reconciled against a published list is the single most common unsupportable claim in this category. Ours is reconcilable by anyone who can count.
Nothing here should be a surprise later.
If a term on this page does not match what happens to you, that is a defect and we want to hear about it.
Does it cost me anything to use InsuranceGenie.ca?
Does the company that pays you more get shown first?
Are the insurers whose names you show paying you?
Will you sell my information?
What happens if I do not want to be contacted?
From Insurance Genie
Recent policy purchases
Explore recent policy purchases shared through our participating insurance professionals.
Recent policies will appear here when the Insurance Genie CRM feed is connected.
