Business Model

1. Value Proposition

Insurancenloan simplifies insurance selection for Canadian seniors by offering transparent comparisons, personalized advice, and end-to-end support. We remove complexity, save time, and ensure retirees find affordable, reliable coverage for health, life, travel, and home insurance.

2. Customer Segments

  • Primary: Seniors in Canada (65+) seeking insurance plans that fit their lifestyle and budget.

  • Secondary: Adult children and caregivers who help seniors make financial decisions.

3. Revenue Streams

  • Service Packages (One-Time Fees):

    • Free consultation (lead generation)

    • Standard plan matching (fixed fee)

    • Premium concierge support (higher-tier fee)

  • Add-On Services: Claims assistance, annual policy reviews, form completion help.

  • Referral/Commission Agreements: Partnerships with trusted Canadian insurance providers for successfully placed clients (transparent and compliant).

4. Channels

  • Official website (primary customer acquisition channel)

  • Digital marketing (SEO, targeted ads, social media)

  • Partnerships with senior communities, healthcare providers, and retirement organizations.

5. Customer Relationships

  • Personalized Support: One-on-one advisor sessions.

  • Trust & Transparency: Clear language, no hidden costs.

  • Ongoing Engagement: Annual check-ups, optional add-ons, follow-up support.

6. Key Activities

  • Insurance plan comparison and recommendation.

  • Client consultation and support (online and by phone).

  • Partnerships with insurers.

  • Marketing & outreach to senior communities.

7. Key Resources

  • Expert team in insurance, finance, and client support.

  • Technology platform for comparing providers and managing client requests.

  • Strong partnerships with insurance companies.

8. Key Partners

  • Licensed Canadian insurance providers.

  • Senior centers, healthcare clinics, and retirement associations.

  • Digital marketing agencies for lead generation.

9. Cost Structure

  • Team salaries (advisors, support, tech, marketing).

  • Website maintenance and technology infrastructure.

  • Marketing and customer acquisition costs.

  • Compliance and licensing fees.