Life Insurance Broker in Fredericton, New Brunswick
As New Brunswick's capital, Fredericton has a unique mix of government employees, university families, and small business owners — each with different life insurance needs. I'm Colin Touchie, an independent broker licensed in New Brunswick, serving Fredericton clients virtually and in person. I compare 15 Canadian carriers so you get the right coverage at the best price, in English or French.
Fredericton housing market & life insurance
Data as of September 2026. Home prices from MLS® board data. Premiums are illustrative estimates for a healthy 35-year-old non-smoker (20-year term), not a quote.
~$369,000
Avg. sale price, Aug/Sept 2026
~125,000 (Fredericton CMA)
2025 est.
Real Fredericton mortgage-protection scenario
A typical Fredericton family buys a home near the average price with a 20% down payment, leaving a mortgage of about $295,000. If the primary earner passes away, the surviving spouse is left with that full balance plus property taxes, utilities and daycare costs in the Fredericton area.
Typical Mortgage Balance
~$295,000
Approx. 20% down on the average price
Recommended Coverage
$500,000
Request a personalized comparison
Personal Term Life (20yr)
$25–$40/mo
Fixed payout, level $500,000
Bank Creditor Insurance
$55–$70/mo
Declines with balance
Often underwritten at claim time
The takeaway: Fredericton's affordable home prices make term life insurance especially cost-effective — $25–$40/mo for a $500,000 level term policy versus $55–$70/mo for bank creditor insurance that declines with the balance. Many bank creditor insurance products are also underwritten at claim time (not application).
Illustrative estimates only. Actual rates depend on age, health, smoking status and insurer. Home prices from MLS® board data as of September 2026.
Why Fredericton clients work with a local broker
Fredericton's large public-sector workforce means many clients have group life insurance through their employer — but group coverage is rarely enough and usually ends when you change jobs.
With UNB and St. Thomas University, many Fredericton clients are academics and professionals who benefit from permanent insurance and estate planning.
I serve Fredericton clients virtually, and can meet in person by appointment across New Brunswick.
I'm licensed in New Brunswick and serve Fredericton clients directly. Whether you're a civil servant on the south side, a professor near UNB, or a business owner downtown, I'll help you build coverage that fits your life — not a generic template.
Fredericton life insurance FAQs
Is my employer's group life insurance enough in Fredericton?
Usually not. Group life insurance typically covers 1–2 times your salary and ends if you leave the job. For most Fredericton families, personal term life insurance fills the gap and stays with you regardless of employment.
How much does term life insurance cost in Fredericton?
Term life insurance is very cost-effective in Fredericton's affordable market. For exact pricing on $500,000 of 20-year term for a healthy non-smoker in their 30s, request a personalized comparison — actual rates vary by age, health, and carrier.
Do you serve Fredericton in French?
Yes. I provide full bilingual service (English and French) for clients across New Brunswick, including Fredericton. Service en français disponible.
Also serving
Get a personalized life insurance comparison
I'll compare 15 Canadian carriers and find you the best coverage at the best price. No pressure, no obligation — just clear advice from a licensed independent broker.