The all-in-one platform for Canadian life advisors
One platform. First quote to placed policy.
Most advisors juggle a quoter, compliance forms, an e-signature app, a CRM and a spreadsheet that never talk to each other. PolicyStream runs the whole case in one client file, so you enter everything once.
7 days free · No credit card · Set up in 10 minutes · or book a demo
All in one
Replace five logins with one.
The tools you pay for separately today, connected around the same client.
Quoting softwarere-enter the clientKYC & compliance formsre-enter the clientE-signature appupload PDFsCRM & emailre-enter the clientCase-tracking spreadsheetupdate by hand
PolicyStream
One client file, from the first quote to the delivered policy.
- Quoter, 20+ carriers
- Needs analysis
- Online application
- E-signatures
- Compliance file
- Carrier Autofill (beta)
- Clients & leads
- Branded emails
- Reports
- Your own quote page
- CRM & AI integrations
How it works
One file follows the client the whole way.
Every step feeds the next, from the first lead to the policy in their hands. No exporting, no retyping.
- 1
Lead
From your own quote page, a CSV import or a new client
- 2
Needs & quote
Needs analysis, 20+ carriers and a branded report
- 3
Apply
One secure link, on phone or computer
- 4
Sign
E-signatures with a full audit page
- 5
Comply
Reasons why, LIRD, AML and disclosures
- 6
Submit
Autofill the carrier e-app (beta)
- ✓
Placed
Delivery receipt and reporting
Quoter + needs analysis
Show the right plan, and why it's right.
Compare term, permanent and simplified issue plans across Canadian carriers, with rates pulled live every time you quote. 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
- Warns you before the client's insurance age goes up
- 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 any phone or computer.
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
- Consent checkbox and typed-name signature
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, and the policy delivery receipt once it's placed
- 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
- Equitable Life of Canada
- 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.
Your own quote page
Put live term life prices on your website. Visitors who ask for their quotes or apply land in your Leads list.
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, plus free assistant seats. 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.
- Two-step sign-inAvailable on every account, and required for owners and admins as soon as a team has more than one person.
- 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
Reviews
Advisors who use it, in their own words.
★★★★★ 5.0 on Google · 4 reviews
“The PolicyStream program provides a service to my practice that is extremely valuable. Saves time, looks great, elevates a client experience. The platform is clean, organized, and incredibly easy to use for both me and my clients. … If I could give 10 stars, I would.”
“It used to be me going to a couple websites, manually put in client's info, pull the numbers into a spreadsheet, etc. Policy Stream removed all those steps. I can just show the clients live the life insurance need calculation process in 5 minutes, pull the quotes in less than 30 secs … Worth the money. I already made my money back.”
“Not only has he created something that works, he is there with you every step of the way and answers any questions you may have. … I would definitely recommend a call with Philip to discuss Policy Stream, as it is definitely something that will change your trajectory in this business!”
“Awesome App! Philip is our advocate with an intention to make every aspect of our practice better. Thank you!”
Pricing
Simple pricing. Every feature included.
Try everything free for 7 days. No credit card required.
Solo advisor
$89 CAD per month
$890 CAD per year
Billed annually. You save $178.
One licensed advisor. Everything included.
Start free trial- Unlimited clients, quotes and applications
- Live quoter + your own instant quote page
- 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
$89 CAD per month
$890 CAD per year
+ $59 per additional advisor / month
+ $590 per additional advisor / year
Billed annually. You save $178, plus $118 per additional advisor.
For teams of 2 or more advisors. Large team? Contact us for a discount.
Start free trial- Everything in Solo
- Owner, admin and advisor roles
- Assistant seats free
- Brokerage-wide reports and CSV export
- Shared compliance documents and email templates
- Advisor-level visibility controls
- Priority onboarding
Compare plans and billing details · 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 7 days with every feature turned on. No credit card to start. If you don't continue, you can't sign in any more, but links already sent to clients keep working. We keep your files for 90 days in case you come back, and you can ask us for an export of your clients at any time in that window.
Which carriers does Autofill support?
Autofill is in beta. Today it fills the e-apps for Canada Protection Plan, UV Insurance, iA Financial Group, RBC Insurance and Equitable Life of Canada, 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. Two-step sign-in is available on every account, and required for owners and admins once a workspace has more than one person.
Is PolicyStream insured?
Yes. Policy Stream Inc. carries technology errors and omissions (professional liability) and cyber liability insurance, and brokerages can request a certificate. It covers PolicyStream as a software company. It doesn't replace your own E&O as a licensed advisor.
Do my clients need an account?
No. Clients get a secure link that works on any phone or computer. They confirm who they are with a one-time code, answer plain yes/no questions, and sign with a consent checkbox and their typed name.
Can I use my own branding?
Yes. Clients see your logo and colours on the application portal, the quote report and every email.
Does it connect to my CRM or email tool?
Yes, on every plan. Send new leads, clients and case stages to your CRM or email marketing tool through Zapier (Mailchimp, GoHighLevel, Zoho, HubSpot and thousands more), a webhook or our API. You can also connect an AI assistant such as ChatGPT or Claude to look up clients, run quotes and, with your OK, send quotes and application links. Only contact details and the case stage are sent to other tools, never application answers or health details.
Can I bring my existing clients?
Yes. Import them from a CSV file (any spreadsheet can save one), or add them as you go. PolicyStream checks for duplicates, so each client keeps one file.
Spend your time with clients, not paperwork.
Start your 7-day free trial. Your first client file takes about ten minutes.
Start free trialRather talk it through first? Book a demo with Philip →