Your Bank Protects Itself.
Frank Protects Your Family.
20+ carriers. One honest answer. If you're self-employed, incorporated, or a small business owner in Alberta — you don't have a group plan looking out for you. Gavin shops every major carrier to build coverage that actually fits. If you're already covered well, he'll tell you.
Trusted by 200+ Alberta families
Free. No obligation. Takes 2 minutes.
20+ Carriers
Compared for you
$0 Cost to You
Unless a policy is placed
Why FrankCover
Why Families Choose FrankCover
There's a difference between getting insurance and getting the right insurance.
Independent — not owned by a bank
No quotas. No affiliation. We work for you, not a financial institution.
Licensed advisors, coast to coast
Founded in Alberta and regulated by the AIC, with partner advisors licensed across Canada.
Individually owned policies
You own your coverage — not your bank. It follows you if you move, refinance, or switch lenders.
Transparent comparison process
You see what we see. We show you the options, explain the tradeoffs, and let you decide.
No-pressure consultations
No hard sells. No follow-up harassment. If it's not the right fit, we'll tell you.
Direct access to a real advisor
You talk to one person, start to finish. Not a call centre. Not a bot.
What Frank Covers
Every product. One independent advisor.
Tax-Free Health Benefits
Turn your family's dental and medical bills into business deductions. Alberta's most underused tax tool.
See How Much You Could Save →Income Protection
1 in 3 Canadians are disabled for 90+ days before 65. Protect your paycheque.
Get a Free Gap Analysis →Mortgage Protection
Your bank's mortgage insurance protects the bank. Independent coverage protects your family.
See What Your Bank Isn't Telling You →Critical Illness Insurance
Alberta Health covers treatment. Not your mortgage. Not your lost income. CI insurance bridges that gap.
Find Out What CI Costs →Life Insurance
Term, whole life, permanent — Gavin compares 20+ companies and recommends what's right for your situation.
Compare Alberta Rates →We Work With Canada's Leading Insurance Providers
So you're not limited to one bank's product.
AIC Licensed
Alberta Insurance Council
Your Advisor
Who You'll Be Working With
I'm Gavin Dyer — I've been in the insurance industry since 2006 and licensed since 2007. I founded FrankCover after nearly two decades watching families get sold the wrong coverage by bank reps with quotas and no incentive to tell them otherwise. I named this brokerage "Frank" because I believe insurance advice should be exactly that: frank, honest, and completely transparent.
Today, we're a team of independent advisors with licensed partners across Canada. We're not tied to any single carrier — when we compare your options, the comparison is real. We look at the market, show you what we find, and give you a straight answer.
You'll always work with a real advisor — not a call centre, not a bot. One conversation, clear advice, no pressure.
- In the industry since 2006 — licensed in insurance since 2007
- Founded FrankCover — built from years of independent advisory experience
- AIC Licensed: M-124004-SP-2025 (Life – Agent) · Q-124004-SP-2025 (Accident & Sickness)
- Independent — no bank or carrier affiliation
- Advises on term life, mortgage protection, disability & HSA
- Based in Calgary, AB — serving clients across Alberta
No obligation. No pressure. Just clear answers.
The Process
How It Works
Four steps. Clear at every stage. No surprises.
Request a Quote
Tell us a bit about yourself — takes 2 minutes. No pushy questions, no credit check.
Compare Options
We pull quotes from multiple carriers and walk you through the differences honestly.
Apply Online
When you're ready, applications are handled digitally. Fast, simple, no paperwork chaos.
Own Your Coverage
Your policy belongs to you — not your bank. It follows you wherever life takes you.
Learn
Free Guides for Alberta Families and Business Owners
Mortgage Protection
Bank Mortgage Insurance vs. Independent Coverage
Why bank creditor insurance protects the lender — not your family — and what to do instead.
Health Spending Account
HSA vs FSA in Canada — What's the Difference?
These terms get used interchangeably. Here's what actually means what for Alberta business owners.
Disability Insurance
Disability Insurance for Self-Employed Professionals
If you're self-employed in Alberta, you are your own safety net. Here's what that means.
The Comparison
Bank Insurance vs. Frank
Most people don't know what they're missing.
Full Transparency
No fine print. Ask us anything.
How We Get Paid
Insurance carriers pay us a commission when a policy is placed. You pay the same rate whether you use us or go directly. If no policy is placed, we earn nothing.
What We See, You See
Every quote, every carrier comparison, every detail — we share it all. There's no hidden option we're holding back. You see the full picture.
No Obligation. Ever.
Our conversation is free. Our review is free. If you decide not to move forward, that's fine. We don't follow up 10 times. Your call.
Get Started
Two minutes. That's all it takes.
Fill this out and we'll review your situation personally. No robo-quotes. No call centres. Just real people who know insurance.
FAQ
Common questions. Straight answers.
Also worth knowing