David Gray & Co. Incorporated 1978
Insurance Consultants Ltd. www.davidgrayinsurance.com

800 - 1185 W. Georgia Street, Vancouver, BC V6E 4E6 Member of ADVOCIS
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© 2004-2015 David Gray & Co.
Insurance Consultants Ltd.
David Gray & Co. Insurance Consultants Ltd.

Overview and Profile
David Gray & Co. insurance Consultants Ltd. was established March 15th 1978 under the leadership of David Gray. David began his career in the Life Insurance industry with the Zurich Life Insurance Co. of Canada. After a successful period in personal sales he spent five years in Management. The life insurance industry was changing into independent advisor sales at this time as multi company representation was the way of the future.

With his wealth of experience by this time in the industry, David formed his own company and has enjoyed over 34 years of continued success servicing his many clients all over the lower mainland, the interior and Vancouver Island.

His reputation with many of Canada's largest insurers, such as Manulife Financial, Canada Life, Sun Life Financial, Standard Life, Great West Life and more, all of which he is contracted with individually, has enabled him to do the very best possible for each and every client.

As a testament to this, David has qualified for the National Quality Award, with Advocis, 30 consecutive years. This award represents maintaining at least 98% of all the business written in previous years.

With each year in this industry comes changes in products and it is extremely important to kept up to date and be able to have all your insurance needs addressed with a independent insurance advisor.
We offer you a wide variety of insurance options from a wide variety of vendors
We provide consultation on all insurance issues involving
Insurance Services Offered check our Insurance service page for more details
Employee Group Benefit Plans Life Insurance
Critical Illness Insurance Disability Insurance
Annuities and RRIF's GIC's Guaranteed Investment Certificates
Group RRSP's and Pensions Segregated Funds
We work with and offer the complete insurance options from a wide variety of companies including:
  Manulife Financial   Desjardins Financial Security
Canada Life Sun Life Financial,
Standard Life RBC Life
Great West Life IAPacific Life
National Life
 and more

At David Gray & Co. Insurance Consultants Ltd., we are an insurance consultant agency that works for you, your organization, your firm, or your client. Unlike an insurance agent, we are not tied to one vendor or insurance company for the insurance products we can offer you. As your consultant our goal is to provide you with:

· Objective assessment and evaluation,
· Current and accurate information,
· Professional advice and direction.

Our goal is to understand and analyze your needs and then work with you to provide a solution that meets your needs by selecting from the variety of programs, plans and options that are available to us.

Unlike a traditional agent working for one company, we have the flexibility to select from a variety of sources and plans in building the insurance solution that best serves your needs.

If, in the course of analysis, it is determined that the purchase of insurance is an appropriate strategy, we can help design the insurance contract(s) and work with a variety of vendors to see that your issues and interests are fairly treated in a cost-effective manner.

While reviewing your needs and preparing options, you have the opportunity to discuss what will be done, how it will be done, and how much it will cost. Work does not begin until you are satisfied with the contract and signatures affixed.

Advantages of using an insurance consultant

 Greater range of product selections and flexibility
 Objectivity as we are not tied to one vendor or plan option
 Analysis of needs on a fee basis or bundle price basis

As an insurance consultant we can provide greater objectivity than a traditional one vendor agent or sales rep. As a consultant we can be compensated by fees, either a flat-fee per project, or by retainer, or through hourly fees, or in a bundled manner where the costs are included in a provided package. An agent is only compensated if there is a sale by commissions. The nagging question that consumers have in such a situation is, how can I fully trust advice from someone that has a commissioned interest in my decision? Certainly, some insurance agents are honest, ethical, and want to do what is best for the customer. But, the economic reality of their business is that if they do not generate a sale, they don't produce any income.

As an insurance consultantancy we are uniquely positioned to assist in evaluating in force insurance coverage. You may need to know if you have sufficient coverage, whether that coverage continues to be the best for you, or any one of a number of other factors that would help you know if you are getting the most for your insurance dollar. As a consultantancy we know how insurance works, how insurance companies administer their business, and the terminology and jargon of the industry. Using a consultant to help you analyze your current situation, the status of policies in a trust, or your responsibilities as a fiduciary with regard to insurance matters makes sense because it saves you time, frustration, and stress. You are also much more likely to "get it right the first time", which may save you time and money in the future.

It is possible that a specific, commission-free or low-load insurance contract would best suit your needs. As your consultant we can assist you in obtaining coverage under such a contract. By doing so, you may save tens of thousands - of dollars over the life of the contract. (A conventional commission-based insurance agent might not even know that such contracts exist, and they certainly would not be motivated to sell them.)


Insurance Portfolio Review
When was the last time you went over all of your insurance coverage amounts? Those notices that come in the mail may not tell you everything you would like to know, and may not even be comprehensible.

But, where do you go to get the information you need?
You could call the agent or the customer service department of the insurance company. However, an agent is only compensated if there is a sale of more insurance coverage. And, the home office is likely to refer you back to your agent.
Wouldn't it be great if there were people that could give you the information you want and need, in plain English, and without the sales run-around?

Contact David Gray & Co. We're insurance consultants. You hire us to work for you.
We will assess your particular situation and gather the necessary information, correspondence, and data to advise you. You will receive a simple explanation of your current status along with options for consideration. We will provide you with a short report so that when you do want to speak to an agent or the home office, you will be able to intelligently and confidently instruct them what to do. Or, you can authorize us to take care of it for you. We promise to follow up and stay in touch, if necessary.
We promise to deliver concise, accurate, and current information and analysis. If knowledge is power, you will have all that you want to make the decisions you need to make. And, that could save you not only money, but time and effort, as well.  Call us at  604-629.2681

David Gray & Co. Insurance Consultants Ltd.

Request more info or a meeting to discuss your options.

Contact: David Gray
  800 - 1185 W. Georgia Street, Vancouver, BC V6E 4E6
  Telephone: 604-329-4114  Facsimile: 1-888-514-3588
  email: info at davidgrayinsurance dot com

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