How we research, review, and correct our content

Our editorial mission

Our mission is to help Canadians understand insurance well enough to have a confident conversation with a licensed broker — not to sell them anything themselves. Insurance decisions are high-stakes, so our content has to clear a higher bar than a typical blog. We aim for guidance that is accurate, current, plainly written, and honest about trade-offs — no hype, and no promises about outcomes or pricing we can't verify. Where a topic is genuinely complex or personal, we say so and point you to a licensed broker rather than pretending a web page can replace regulated advice.

How we research and write

Every guide starts from primary sources, not other people's articles. This is a cite-first standard: a claim goes into a guide only once it's tied to a source, and that source is listed. We prioritise official and regulatory material, in this rough order:

• Government and regulator sources — the Financial Consumer Agency of Canada (FCAC) for consumer-protection guidance; Immigration, Refugees and Citizenship Canada (IRCC) for visa and newcomer requirements; the Office of the Superintendent of Financial Institutions (OSFI) for federally regulated insurers; the Financial Services Regulatory Authority of Ontario (FSRA) and the equivalent provincial regulators (RIBO, AMF, and others) for licensing and conduct rules; and the Canada Revenue Agency (CRA) for tax treatment.
• Insurer and underwriter documentation — policy wordings, illustrations, and product pages from the carriers our partner brokers represent.
• Industry bodies — such as the Canadian Life and Health Insurance Association (CLHIA) and the Insurance Bureau of Canada (IBC) for market data and definitions.
• Practising licensed brokers — partner brokers in our network who flag where the textbook answer differs from how things actually play out at application time.

When we cite a figure — a premium range, a coverage limit, a tax rule — we tie it to one of these sources rather than repeating a number we found unsourced elsewhere. Most articles carry a "Sources" section at the bottom linking directly to the regulator or industry page the guide relies on, so you can check the primary source yourself instead of taking our word for it.

Review process

Editorial guidance that touches product details, eligibility, or money is reviewed by licensed partner brokers — provincially regulated professionals in our network. To be clear about our role: Lowest Rates Hub connects consumers with licensed insurance brokers across Canada. LRH does not hold an insurance licence, does not quote, and does not bind coverage. We are a marketplace, not a brokerage. Our editorial team writes and maintains the content; the regulated expertise comes from the licensed brokers who review it.

Where a page carries a named reviewer, that person is a real licensed broker shown with their firm and provincial licence number — never a stand-in or a generic "our team" byline. We are onboarding named reviewers now; until a broker's details are verified and published, the relevant page runs as unsigned editorial rather than attributing it to anyone. You can see who reviews our content on the authors and reviewers page.

How often we update

Insurance rules change — visa requirements, tax limits, and product features all move. Our cadence:

• Rule-driven pages (Super Visa, newcomer, tax treatment) are reviewed whenever the underlying regulation changes and at least once a year.
• Evergreen explainers are reviewed at least annually and refreshed sooner if the market shifts.
• Every page shows a clear last-updated date so you can judge how current it is.

Corrections policy

We get things wrong sometimes, and when we do we fix it openly. If you spot an error — an outdated figure, a misstated rule, a broken assumption — email us at [email protected] or call 647-362-5511. We review every report, correct material errors promptly, and update the page's last-updated date so the change is visible. Substantive corrections to a published guide are noted on the page itself rather than quietly edited away.

Independence

Our editorial team decides what to write and how to write it. No single insurer or partner brokerage directs our content, and no partner pays for better placement, a higher ranking, or favourable treatment inside a guide. A carrier or partner broker being mentioned, compared, or left out of an article is an editorial decision, not a paid placement. We compare products and describe trade-offs the same way regardless of which partner broker eventually receives the introduction.

How we make money

Lowest Rates Hub is a lead-generation marketplace, not a brokerage. Every tool and guide on this site — quote comparisons, calculators, explainers — is free for consumers to use. We're compensated when someone who found us here asks to be connected with a partner broker or provider: that partner pays us a referral or marketing fee if the introduction goes ahead. Nothing about your premium changes based on how you reached the broker.

That compensation never changes what we publish. It doesn't move a guide's rankings, alter which carriers we mention, or soften a trade-off we'd otherwise point out. Lowest Rates Hub does not sell insurance policies, does not quote, and does not bind coverage — and it holds no insurance licence. We introduce consumers to the licensed brokers who do those things.

Last updated: 2026-07-16. This page describes our editorial process and is not insurance advice.