Independent Insurance Advisor · Manitoba & Ontario

An advisor who works for you — not the insurance company.

Whether you're protecting your family, your income, or your business, I shop Canada's top carriers to find what actually fits — in plain language, with no pressure.

Independent & unbiased Access to Canada's leading carriers In person, virtual, or phone
I represent youAs an independent advisor, I shop across carriers to fit your needs — never a sales quota.
Plain languageNo jargon and no fine-print surprises. You'll understand exactly what you're getting.
No pressure, everI present your options and let you decide on your own time. That's the whole approach.

Why most insurance goes wrong

The coverage you have may not be the coverage you need

Most people buy insurance once, from whoever was in front of them — and never look at it again. These are the gaps that quietly cost families the most.

Sold one shelf

A captive agent can only offer their own company's products — so you never see whether something better fits you.

Confusing by design

Jargon and fine print make it hard to know what you're actually covered for until it matters most.

Declined, then gave up

One decline makes people assume the door is closed — when the right carrier and product would say yes.

A policy, not a plan

Coverage bought in isolation, with no review as life changes, drifts out of step with your real needs.

The difference

Why work with an independent advisor

The same coverage can come with very different advice. Here's what working together looks like.

01

Your options, not one company's

I'm contracted with many of Canada's leading carriers, so I compare the whole market and bring you what genuinely fits — not what one company needs to sell.

02

Education first

I explain the trade-offs in plain language so you make an informed decision. No pressure, no manufactured urgency, no rush.

03

Hard-to-insure expertise

Health history or a past decline doesn't mean no coverage. I know which carriers fit which situations, so we apply where you're most likely to be approved.

How I can help

Built around where you are in life

Whatever stage you're at, there's a path that fits. Start with the one that sounds like you.

How it works

Three steps, no pressure

A clear path from first call to coverage in place — and a partnership that continues after.

Free · 15 minutes
1

Your free review

We talk through your situation, health, budget, and goals over the phone. No obligation, no in-home visits.

Tailored to you
2

Your plan

I compare your options across multiple carriers and show you exactly what you qualify for and what it costs — before any application.

Ongoing
3

Coverage & reviews

We put your coverage in place and review it each year, adjusting as your life and needs change.

Access to Canada's leading carriers & providers

iA Financial Equitable Life Manulife Canada Life Empire Life RBC Assumption Life Humania Desjardins Edge Benefits TuGo My HSA Olympia Benefits

Learn on your own time

Resources

Straight answers and free guides, so you can make confident decisions before any conversation.

The Learn library

Plain-language answers to the questions everyone asks about life, critical illness, disability, and business insurance — plus guides by life stage.

Browse the library

Free guides

In-depth PDF guides for Canadian seniors and for parents building wealth for their children.

Read the guides

Client stories

What clients say

Real words from the people and families I've helped.

★★★★★
“Trevor walked me through every step and made sure I actually understood my options before I decided anything. No pressure, no rushing — just straight answers. I felt genuinely confident in the choice I made.”
James · Winnipeg
★★★★★
“I'd never worked with a truly independent advisor before Trevor. He laid out real options instead of pushing one product. If your advisor isn't giving you that, get a second opinion — he's the one who showed me the difference.”
Mark · Kenora
★★★★★
“I assumed my health history meant life insurance was off the table. Trevor knew exactly where to look and found me a policy to cover my final expenses. It's a weight off my mind knowing my family won't carry that cost.”
Sarah · Toronto
Trevor Perron with his wife and three children on a tree-lined path

Your advisor

Meet Trevor Perron

I'm Trevor — an independent insurance advisor, and the dad in that photo. I started My Circle Consulting because I saw how confusing and one-sided insurance can feel. Too often, people are sold a single company's product by someone who can only offer that one shelf, wrapped in jargon and pressure. I wanted to do it differently: represent the client, not the carrier.

As an independent advisor, I work for you. I shop across many of Canada's leading carriers to find coverage that genuinely fits your life, your budget, and your goals — and I explain it in plain language so you can make a confident decision, with no pressure and no rush.

Family is at the center of why I do this. As a husband and father of three, I know what it means to want the people you love protected, and to balance that with everything else life asks of you. That's the lens I bring to every conversation — whether we're protecting a young family, a retiree's legacy, or a business someone has spent decades building.

My mission is simple: to bridge the gap from the insurance world to your world.

When we work together, you're never handed off to a call centre or matched with a stranger. You work directly with me, from the first conversation through every annual review.

Independent Insurance Advisor · Serving Manitoba & Ontario
License #: LIA-50144 · AIA-50144 · 23218870 · info@mycircleconsulting.com
Book a consultation with Trevor

Common questions

Frequently asked questions

What does "independent advisor" actually mean?
It means I'm not tied to a single insurance company. I'm contracted with many of Canada's leading carriers, so I compare the market and recommend what fits you — rather than selling one company's shelf.
Do you only do life insurance?
No. I help with life, critical illness, disability, health and dental, and travel insurance for individuals and families, plus group benefits and corporate strategies for business owners.
What does it cost to work with you?
The consultation is free with no obligation. When you put coverage in place, advisors are compensated by the insurance carrier — so there's no separate planning fee to you.
I've been declined before. Is coverage still possible?
Often, yes. A decline from one carrier on one product isn't the final word. Different carriers assess health differently, and there are simplified and guaranteed-issue products built for harder-to-insure situations.
How do meetings work?
However suits you — in person, by video, or over the phone. Many clients complete the entire process by phone, on their own schedule.

Let's begin

Find out what's right for your circle

Book a free, no-pressure consultation, or start with the discovery form and I'll take it from there.

Free · No obligation · Manitoba & Ontario