Built by a practising Canadian advisor
Quote, apply and stay compliant. All in one stream.
PolicyStream is life insurance software for independent advisors and small brokerages. Compare carriers, send clients a simple mobile application, collect e-signatures and a complete compliance file, then autofill the carrier e-app.
14 days free · No credit card · Set up in 10 minutes
How it works
From first quote to carrier submission, without the retyping.
One client file follows the case the whole way. Every step feeds the next, so you enter things once.
- 1
Quote
Run a needs analysis, compare carriers side by side and pin the plans you want to show.
- 2
Apply
Send one secure link. Your client answers plain yes/no questions on their phone.
- 3
Sign & comply
Needs analysis, reasons why, disclosures and e-signatures land in one compliance file.
- 4
Submit
Open the carrier e-app and let Autofill enter the answers, word for word.
Quoter + needs analysis
Show the right plan, and why it's right.
Compare term, permanent and simplified issue plans across Canadian carriers. The capital needs calculator sets the coverage and term, and the recommendation carries straight into the application and the reasons-why letter.
- Coverage slider, plan types and carrier filters
- Pin up to 10 options and star your recommendation
- A branded comparison report (PDF) for your client
- Every saved quote is versioned on the client file
Client application
An application your clients can finish on their phone.
Instead of a 40-minute call reading questions aloud, send one secure link. Clients answer the general application plus the exact questions for the carrier you picked. Follow-up questions only appear when they're needed.
- Plain yes/no questions, saved as they go
- One-time code check and links that expire
- ID and document uploads
- Draw-to-sign on any screen
Compliance, built in
An audit-ready file for every sale. Automatically.
PolicyStream builds the compliance file while you work. Documents are frozen the moment you send them, both signatures are recorded with time, IP and a document fingerprint, and a checklist has to be complete before a case is marked sent to carrier.
- Needs analysis and reasons why, signed by you and the client
- Replacement (LIRD) when it applies
- Disclosures, privacy consent and AML declaration
- One-click compliance PDF with a full audit page
Autofill Beta
Stop retyping answers into carrier e-apps.
Open the carrier's e-app, pick the client and PolicyStream fills in the answers they already gave you. Questions are matched word for word. If a carrier rewords a question, Autofill leaves it blank for you and flags the change, so nothing is ever guessed.
Mapped today
- Canada Protection Plan
- UV Insurance
- iA Financial Group
- RBC Insurance
- More carriers coming soon
In the last 12 months, have you used tobacco or nicotine products?
Do you intend to travel or reside outside of Canada in the next 12 months?
Have you ever been declined, postponed or rated for life insurance?
In the last 5 years, have you had 2 or more driving violations?
PolicyStream AutofillMaya Thompson · A-24
47 of 48 answers filled
1 question changed. Flagged for review.
Everything in one place
The back office of a brokerage, sized for one advisor.
Client files
Duplicate checks, notes, every quote and application, and a full audit trail on each client.
Carrier forms, word for word
A general application plus one form per carrier, kept in sync with the carrier's own e-app wording.
Emails that send themselves
Branded templates with merge fields for quotes, application links, reminders and signing requests.
Reports
Quotes, applications, conversion and premium placed, by advisor and by month, with CSV export.
Your brand, not ours
Clients see your logo and colours on the application portal, the quote report and every email.
Built for small teams
Owner, admin and advisor roles. Advisors see their own clients; owners see the whole book.
Privacy & security
Your clients' medical answers deserve better than email.
Life insurance applications hold some of the most sensitive information a person shares. PolicyStream is built to keep it that way.
- Stored in CanadaHosted on Amazon Web Services in the Canada (Central) region.
- Multi-factor authenticationRequired for every advisor login, not optional.
- Encrypted everywhereIn transit with TLS and at rest with managed encryption keys.
- Secure client linksOne-time codes, trusted devices and links that expire.
- Full audit trailWho viewed, changed, signed or sent what, and when.
- Monitored and backed upWeb application firewall, alerts and tested restores.
“I've been a life insurance advisor since 2014. I built PolicyStream because I was spending more time retyping answers and chasing signatures than talking to clients. It runs my own brokerage every day. Now it can run yours.”
Philip Setter · Founder, PolicyStream · Licensed advisor
Placeholder: quote drafted by Viktor for Philip to edit; add founder photo + 2–3 early-advisor testimonials when we have them
Pricing
Simple pricing. Every feature included.
Try everything free for 14 days. No credit card required.
Placeholder: prices are proposals, not final
Solo advisor
$89 CAD per month
One licensed advisor. Everything included.
Start free trial- Unlimited clients, quotes and applications
- Client application portal + e-signature
- Needs analysis, reasons why, LIRD
- Compliance file PDF with audit page
- Autofill (beta) for mapped carriers
- Your logo and colours
Brokerage
$69 CAD per advisor / month
Minimum 3 advisors. Owner and admin seats included.
Start free trial- Everything in Solo
- Owner, admin and advisor roles
- Brokerage-wide reports and CSV export
- Shared compliance documents and email templates
- Advisor-level visibility controls
- Priority onboarding
Running an MGA or a larger agency? Talk to us about volume pricing.
FAQ
Questions advisors ask us
Who is PolicyStream for?
Independent life insurance advisors and small brokerages in Canada. It was built by a practising advisor to run his own book, then opened up to other advisors.
How does the free trial work?
You get 14 days with every feature turned on. No credit card to start. If you don't continue, your account simply pauses.
Which carriers does Autofill support?
Autofill is in beta. Today it fills the e-apps for Canada Protection Plan, UV Insurance, iA Financial Group and RBC Insurance, and more carriers are being mapped. Every question is matched word for word, and if a carrier changes a question, PolicyStream leaves it blank for you and flags it.
Where is my data stored?
In Canada. PolicyStream runs on Amazon Web Services in the Canada (Central) region, encrypted at rest and in transit, and every account is protected with multi-factor authentication.
Do my clients need an account?
No. Clients get a secure link that works on any phone. They confirm who they are with a one-time code, answer plain yes/no questions, and sign on screen.
Can I use my own branding?
Yes. Clients see your logo and colours on the application portal, the quote report and every email.
Can I bring my existing clients?
Yes. Add them as you go and PolicyStream checks for duplicates, so each client keeps one file. Bulk import is on the way.
Spend your time with clients, not paperwork.
Start your 14-day free trial. Your first client file takes about ten minutes.
Start free trial