Life Insurance for Real Estate Agents & Mortgage Brokers in Canada

Closings rise and fall, but your family and business goals shouldn’t. For those earning commissions or running independent practices, the right life insurance in Canada provides stability through every market shift. Learn how agents and brokers can secure affordable coverage, improve approval odds, and protect their income and legacy without slowing the pipeline.

📖 14 min read
📅 Originally Published: October 15, 2025

Canadian real estate agent holding tablet and keybox with a translucent shield and floating real estate icons

Life Insurance for Real Estate Agents & Mortgage Brokers in Canada

📖 14 min read
📅 Originally Published: October 15, 2025

Canadian drone operator holding controller beside a hovering drone and glowing insurance shield icon

As a Canadian real estate agent or mortgage broker, your income can be seasonal, commission-based, and tied to markets you cannot control. That lifestyle brings unique planning needs: replacing income if something happens, covering debts and taxes, and keeping family or business partners whole. The right life insurance policy helps you manage risk while you keep prospecting, nurturing your book, and serving clients at open houses and closings.

Underwriting in Canada reviews your health, financial profile, and work pattern. Lenders and insurers often ask for proof of commission history, tax returns, and stability of earnings. We will explain how to present your file clearly so that underwriting is smooth, what affects approval for agents and brokers, and which product structures fit variable income. By the end, you will know how to match coverage to cash flow and qualify efficiently in Canada.

Overview: Real Estate Agents & Mortgage Brokers & Life Insurance in Canada

Canadian real estate agent at a sunny open house with family and a protective shield motif.

Why Life Insurance Matters for Commission-Based Professionals

In Canada, real estate agents and mortgage brokers enjoy independence and income potential that few careers can match. However, that same freedom can bring financial uncertainty. Commission-based income rises and falls with market activity, leaving families and businesses exposed if an unexpected event interrupts your ability to work. A well-structured life insurance plan ensures your goals and loved ones remain protected through every market cycle.

Insurers review this lifestyle through both occupational and financial underwriting. Instead of a fixed salary, underwriters analyze your average commissions over multiple tax years, CRA assessments, and brokerage payout records. They look for consistency, documentation quality, and whether the coverage amount fits your actual income needs. When income stability and purpose of coverage are well presented, applications often qualify for standard approval.

Term life insurance is often chosen for income replacement, business protection, or debt coverage, while permanent insurance options such as whole life or universal life can help build long-term value. The right plan balances cost, coverage length, and how your income flows throughout the year.

Lifestyle & Medical Triggers That Impact Approval

Work and Lifestyle Patterns

Real estate agents and mortgage brokers often work long hours, manage multiple clients, and face irregular income cycles. These realities influence how underwriters assess risk in Canada. Certain work habits can affect eligibility, even for healthy applicants.

Fluctuating income: Large swings in annual earnings or missing tax records can lead to extra documentation requests.
Extended work hours: Long days and weekend showings may increase fatigue or stress-related health factors.
Frequent driving: Time spent travelling between listings adds to occupational exposure.
High stress environment: Sales pressure and tight deadlines can elevate blood pressure or anxiety over time.

Medical Factors Often Reviewed

Most applicants in this profession qualify for standard life insurance in Canada, but certain medical trends can affect pricing or approval speed. Underwriters pay close attention to:

Blood pressure and cholesterol levels fluctuate during peak seasons.
Sleep quality and fatigue are linked to irregular hours or travel.
Stress or anxiety indicators caused by market pressure or workload.
Nicotine or alcohol use in client or networking settings.
Exercise and diet consistency as signs of healthy lifestyle management.

Financial Stability & Documentation Signals

In addition to lifestyle and health, financial consistency plays a major role in underwriting outcomes. Underwriters often review income stability, debt levels, and recent tax filings. Applicants who stay organized, maintain steady income documentation, and follow regular medical care routines are most likely to receive smooth approval and affordable coverage for their needs.

How Canadian Underwriters Assess Real Estate Agents & Mortgage Brokers

Split scene of a Canadian agent driving between listings and managing work at a desk.

Occupational Review

Underwriters in Canada start by reviewing your role in the real estate or mortgage industry. This helps determine income reliability, workplace risks, and whether the requested coverage aligns with your financial capacity.

Income verification: Provide two to three years of CRA tax assessments, commission summaries, or brokerage payout reports to confirm consistent earnings.
Employment structure: Whether you’re self-employed, part of a team, or managing a brokerage affects how income predictability and business risk are assessed.
Driving exposure: Time spent travelling to listings and client meetings contributes to overall occupational risk.
Workload balance: Extended hours and market stress can raise fatigue risk, prompting lifestyle-related questions.

Financial & Personal Profile

After reviewing occupational details, underwriters evaluate your financial habits and health. Their goal is to confirm that the coverage amount and premiums are sustainable over time.

Debt and coverage alignment: Coverage requests are compared with mortgage balances, dependents, and ongoing expenses to confirm financial need.
Health and lifestyle factors: Blood pressure, stress, and wellness habits are reviewed in the context of workload intensity.
Documentation quality: Clear and organized financial records demonstrate stability, supporting quicker approval and better policy terms.

Once occupational, financial, and health information is reviewed, underwriters form a complete picture of your risk profile. Clear documentation and realistic coverage goals help professionals secure favourable underwriting results and lasting life insurance protection in Canada.

Underwriting Factors for Real Estate Agents & Mortgage Brokers

Key Elements That Shape Risk Classification

Once your application enters life insurance underwriting in Canada, the focus shifts to confirming a consistent risk profile. For real estate agents and mortgage brokers, underwriters evaluate the balance between financial predictability, personal stability, and lifestyle management. The goal is to ensure that your coverage amount and premium are sustainable for your income and long-term goals.

Time in profession: Applicants with three or more years of continuous licensing often receive stronger consideration, showing commitment and stable earning potential.
Business diversification: Having multiple income streams, such as renewals or referral fees, demonstrates resilience during slower housing periods.
Debt-to-income alignment: Coverage amounts that reasonably match income and liabilities are more likely to receive standard approval.

Beyond financial considerations, underwriters also review how daily habits and health behaviours influence long-term insurability.

Behavioural and Health Alignment

Underwriters assess how the profession’s lifestyle aligns with physical and mental wellness. Late hours, multitasking, and high-pressure deals can affect health. Applicants who show evidence of stress management, work-life balance, and regular medical care tend to receive more favourable ratings.

Health consistency: Routine checkups and updated labs confirm stable readings over time.
Stress moderation: Exercise or mindfulness practices help offset the demands of the industry.
Driving exposure control: Efficiently managing client travel can reduce perceived occupational risk.

By demonstrating professional consistency and a proactive health mindset, real estate and mortgage professionals can strengthen their overall underwriting profile and secure affordable, long-term life insurance protection that fits the rhythm of their work and life across Canada.

Table 1: Underwriting Review Practices for Real Estate Agents & Mortgage Brokers in Canada
How Canadian life insurers review commission-based professionals, focusing on income proof, workload, and disclosure accuracy.

Insurer	Key Factor Reviewed	Why It Matters	Favourable Case	Higher-Risk Case
Manulife	Income stability and records	Confirms consistent commissions and accurate coverage sizing.	2–3 years of CRA filings and commission summaries.	Gaps or wide income fluctuations.
Canada Life	Work schedule and driving	Assesses fatigue and occupational exposure.	Defined routes, balanced hours, moderate travel.	Late hours, long drives, irregular routines.
Empire Life	Application clarity	Accurate details speed underwriting and prevent delays.	Clear duties, income sources, and team structure.	Vague or missing job details.
RBC Insurance	Business continuity	Shows stability during slower markets.	Diversified income from renewals and referrals.	Recent brokerage change or single-source income.
IA Financial	Health and lifestyle	Links wellness with occupational performance.	Regular checkups, active routine, stress control.	Poor rest, unmanaged stress, irregular care.

Manulife: Consistent CRA and commission records help; income gaps slow review.
Canada Life: Balanced hours and routes help; heavy travel raises exposure.
Empire Life: Clear duties speed approval; vague details delay.
RBC Insurance: Diverse income = stable; single source = higher review.
IA Financial: Good wellness habits help; unmanaged stress adds risk.

Policy Options in Canada

Female broker presenting labeled cards for Term Life, Whole Life, and Universal Life insurance.

Choosing the Right Type of Coverage

In Canada, real estate agents and mortgage brokers can choose from three main types of life insurance: term life insurance, whole life insurance, and universal life insurance. Each serves a different purpose depending on your goals, income pattern, and career stage.

Term Life Insurance: The most affordable and straightforward option. It provides protection for a fixed period such as 10, 20, or 30 years. Ideal for covering mortgages, income replacement, or business debts.
Whole Life Insurance: Offers lifelong protection with guaranteed premiums and a cash value that grows over time. Suited for agents and brokers who want to build equity or leave a financial legacy.
Universal Life Insurance: Combines permanent coverage with investment flexibility. You can adjust your premium or coverage, ideal for self-employed professionals with variable income.

After selecting the policy type, the next step is deciding which underwriting path fits your health and documentation comfort level.

Underwriting Path Options

Regardless of the policy type, applicants can apply through different underwriting paths. Fully underwritten plans offer the best pricing but require a full medical and financial review. Simplified issue plans need only a short health questionnaire for faster approval. Guaranteed issue policies require no health questions or exams and are open to nearly anyone, though coverage amounts are smaller.

Choosing the right combination of policy and underwriting path ensures that your life insurance coverage in Canada remains affordable, flexible, and aligned with how you earn as a real estate or mortgage professional.

Table 2: Life Insurance Options for Real Estate Agents & Mortgage Brokers in Canada
Comparison of main coverage types for commission-based professionals, highlighting underwriting level, approval speed, and cost.

Coverage Type	Fully Underwritten	Simplified Issue	Guaranteed Issue
Medical Requirements	Full medical exam and labs for larger coverage.	Short health questionnaire; no exam.	No health questions; automatic approval for small policies.
Financial Disclosure	Proof of income and commission records required.	Basic income details; minimal verification.	No income proof; age and residency only.
Coverage Range	$100K–$5M+	$25K–$500K	$5K–$50K
Premium Level	Lowest cost for healthy, organized applicants.	Moderate pricing and quick approval.	Highest cost but guaranteed acceptance.
Best For	Experienced agents with strong documentation.	Busy professionals needing fast coverage.	Applicants with prior declines or health issues.

Fully Underwritten: Best pricing; full review needed.
Simplified Issue: Quick, no exam; moderate coverage.
Guaranteed Issue: Automatic approval; higher cost.

Commission-based professionals in good health usually qualify for fully underwritten life insurance in Canada. Those seeking faster approval or fewer requirements can choose simplified or guaranteed issue plans for flexible protection.

Likely Approval Outcomes & Pricing Scenarios

How Approval Classes Are Determined

When a real estate agent or mortgage broker applies for life insurance in Canada, the insurer’s underwriting decision determines both approval and cost. This process groups applicants based on health, documentation quality, and financial stability. Most applicants qualify at standard rates, though pricing may vary with income consistency and medical disclosure.

Once all financial, health, and lifestyle data are reviewed, underwriters assign an approval class that determines both cost and eligibility. For example, an agent with a steady income and recent medical exams often receives preferred pricing.

Factors That Influence Pricing

Several variables influence the final approval class and premium level:

Health stability: Consistent medical checkups and well-managed conditions support standard or preferred rates.
Financial documentation: Complete tax filings, income summaries, and proof of business continuity build confidence and minimize additional review.
Lifestyle balance: Underwriters consider sleep quality, travel volume, and stress levels tied to heavy workloads.
Application accuracy: Clear, complete responses help speed up underwriting and reduce rating risk.

What to Expect

Standard approvals represent the majority of cases for healthy, well-documented applicants. If minor risks appear, insurers may issue a rated policy with slightly higher premiums. More complex files, such as incomplete financials or recent medical changes, may lead to a temporary flat extra fee or simplified issue option. Guaranteed issue plans remain available when full underwriting isn’t feasible.

Regardless of the result, accurate disclosure and preparation greatly improve your chances of achieving affordable life insurance coverage in Canada designed for professionals across the real estate and mortgage industry.

Table 3: Approval Outcomes & Cost Impact for Real Estate Agents & Mortgage Brokers in Canada
How underwriting outcomes affect premiums and eligibility for Canadian real estate and mortgage professionals.

Outcome	Meaning	Premium Impact	Typical Scenario	Common Insurers
Standard	Approved at normal rates for strong health and steady income.	Standard	Consistent commissions, clean medicals, full documentation.	Manulife, RBC, Canada Life
Simplified Issue	Fast approval with short health questions and no exam.	10–30% higher	Busy professionals seeking quick coverage.	Empire Life, IA Financial
Guaranteed Issue	Automatic approval with smaller benefit amounts.	Highest; 2-year waiting period	Applicants with prior declines or ongoing health conditions.	Assumption Life, Foresters Financial

Standard: Normal rates for stable income and health (Manulife, RBC).
Simplified Issue: No exam; fast approval (Empire Life, IA).
Guaranteed Issue: Automatic approval with smaller benefits (Assumption Life, Foresters).

Canadian Insurer Tendencies

Diverse Canadian advisor reviewing insurer analytics on multiple screens in a bright office.

Different Approaches to Evaluating Professionals

Life insurance companies in Canada vary in how they assess real estate agents and mortgage brokers. While most follow similar underwriting principles, each has its own comfort level with commission-based income, required documentation, and years in business. Knowing these tendencies helps applicants and advisors choose the most compatible insurer.

Documentation-focused insurers: Prioritize income verification and CRA tax records.
Balanced underwriters: Weigh lifestyle, medical history, and financial consistency equally.
Flexible insurers: Offer simplified paths for newer or self-employed applicants.

Some carriers emphasize financial documentation, preferring two or three years of CRA tax records and brokerage statements to verify income stability. Others take a broader view, balancing lifestyle habits and medical history alongside financial strength, especially for self-employed or newly licensed professionals.

Tailoring Submissions by Insurer Preference

Conservative insurers typically request full financial and medical reviews for larger coverage amounts, while more flexible ones accept simplified documentation for smaller policies. Applicants who provide clear, consistent documentation experience smoother underwriting and faster approvals.

Advisors can add value by aligning applications with insurer expectations. Clear proof of income sources, renewals, and client activity reflects professionalism and credibility, qualities every major Canadian insurer values when evaluating life insurance applications in Canada.

Table 4: Canadian Insurer Tendencies for Real Estate Agents & Mortgage Brokers
How Canadian insurers assess commission-based professionals, focusing on documentation quality, flexibility, and underwriting approach.

Company	Eligibility Focus	Underwriting Style	Notes
Manulife	Full financial and medical detail.	Structured, data-driven.	Best fit for experienced professionals.
RBC Insurance	Verified income and brokerage activity.	Flexible and quick.	Ideal for established earners.
Canada Life	Complete financial and health review.	Conservative; prefers thorough files.	Rewards full documentation.
Empire Life	Balanced focus on income and health.	Health-focused; consistent results.	Reliable for mid-career agents.
Beneva	Proof of steady income and history.	Moderate; cautious on short records.	Prefers clarity over high volume.
IA Financial	Health and lifestyle stability.	Standard–Rated; flexible on minor risks.	Supports simplified underwriting.
Foresters Financial	Basic health and income info.	Very flexible; simplified approvals.	Good for smaller, fast coverage.
Assumption Life	Age and occupation basics.	Simplified or guaranteed issue.	Used for limited documentation cases.

Manulife: Full records; structured review.
RBC Insurance: Verified income; quick approval.
Canada Life: Detailed files; steady applicants.
Empire Life: Balanced review; consistent results.
Beneva: Prefers clear records; moderate stance.
IA Financial: Flexible for mild risks.
Foresters: Simplified; fast coverage.
Assumption Life: Guaranteed for limited files.

Timing Your Application & Alternatives

Proper timing can make a measurable difference in how smoothly your life insurance application is approved. For real estate agents and mortgage brokers, the best time to apply for life insurance in Canada is when both health and financial documentation are stable. Aim to apply after your latest CRA filings, commission summaries, and medical updates are complete to help underwriters confirm income consistency and approve coverage faster.

Apply after submitting your latest CRA filings.
Wait 30–60 days if you’ve recently changed brokerages or experienced irregular income.
Consider mid-year or post-tax season for best underwriting efficiency.

When Waiting Isn’t Possible

If timing isn’t perfect, consider temporary protection through Simplified Issue or Guaranteed Issue plans. These provide quick approval without full underwriting and can be upgraded later once your financial or medical records are updated. Keeping short-term coverage in place prevents gaps while preparing for a full review.

With smart timing or a temporary plan in place, you can secure affordable life insurance coverage in Canada that aligns with your income rhythm and long-term goals as a real estate or mortgage professional.

Table 5: Best Time to Apply & Alternative Solutions for Real Estate Agents & Mortgage Brokers in Canada
When to apply, when to wait, and which coverage fits common professional and health scenarios for Canadian agents and brokers.

Situation	Underwriting View	Best Timing	Alternative Options
Stable health & steady income	Low risk; standard approval likely.	Apply now with updated CRA and commission records.	No backup; maintain yearly updates.
Recent income fluctuation	Needs income average over time.	Apply after latest filing or 60 days stability.	Short-term Simplified plan.
Controlled health condition	Often standard or mild rating.	Apply post-checkup or lab update.	Simplified policy as interim coverage.
New brokerage or restructure	Proof of active license and income required.	Apply 1–2 months after transition.	Simplified temporary coverage.
Post-recovery or leave	Approval delayed until recovery verified.	Wait 3–6 months post-treatment.	Simplified or short-term policy.
Chronic or ongoing condition	Likely rated or postponed initially.	Apply once stabilized and documented.	Guaranteed Issue plan.

Stable health: Apply now; standard approval likely.
Income fluctuation: Apply after 60 days stability.
Controlled condition: Apply after checkup; Simplified interim.
New brokerage: Apply after 1–2 months steady income.
Post-recovery: Wait 3–6 months; Simplified coverage.
Chronic condition: Guaranteed Issue plan recommended.

Documentation & Advisor Communication Tips

Flat-lay of CRA tax forms, commission summaries, ID, and laptop charts for an application.

Key Documents to Prepare

Having your paperwork ready before applying makes the process smoother and faster. Real estate agents and mortgage brokers should prepare documents that clearly show income, licensing, and business stability. These help underwriters confirm financial strength and reduce follow-up requests during life insurance applications in Canada.

CRA tax assessments: Provide at least two to three years of returns.
Commission summaries: Include recent payout statements or brokerage reports.
Business records: Keep copies of licenses, corporate registration, and renewals.
ID and contact details: Submit current photo ID and ensure addresses match across all documents.
Supporting notes: If income varies, include a short note explaining renewals or referral income.

Once your documents are organized, clear communication with your advisor can help prevent unnecessary delays.

Advisor Communication Checklist

Strong collaboration with your advisor can make a major difference. Advisors act as a bridge between you and the insurer, ensuring all questions are addressed early and efficiently.

Be transparent: Share any recent medical updates, income changes, or role transitions.
Stay organized: Send documents together and confirm all forms are signed and dated.
Respond quickly: Timely replies to follow-ups shorten approval time.
Review before submission: Double-check for missing pages or signatures.
Ask for a pre-check: Many advisors can review your file for underwriting gaps before submission.

By keeping your records complete and maintaining open communication, you demonstrate professionalism and readiness, two qualities that help build trust and lead to smoother, faster life insurance approvals in Canada.

Practical Ways to Improve Approval Odds

Strengthen Your Application

Real estate agents and mortgage brokers can take several simple steps to improve their chances of approval for life insurance in Canada. Underwriters look for consistency, organization, and healthy lifestyle habits that reflect long-term stability.

Keep finances organized: File taxes on time and keep at least two years of CRA records ready.
Show stable income: Provide commission statements showing steady or growing earnings.
Update licenses and business records: Ensure your brokerage license and renewals are current.
Prepare medical information: Schedule routine checkups and keep recent results available.
Be honest and complete: Provide accurate answers on your application to avoid delays or re-requests.

Financial preparation strengthens your application, but your day-to-day lifestyle habits also play a key role in underwriting outcomes.

Adopt Healthier Habits

Small improvements in health and daily routines can help applicants qualify for standard or preferred rates in the life insurance underwriting process.

Exercise regularly: Even light activity improves cardiovascular health and stress resilience.
Sleep well: Maintain consistent rest to reduce fatigue and improve overall focus.
Limit smoking or alcohol use: Reducing these habits can improve medical ratings.
Manage stress: Set work–life boundaries, especially during peak sales seasons.

These practical habits show responsibility, professionalism, and health awareness, qualities that strengthen your profile and improve your chances of affordable life insurance approval in Canada.

Get Personalized Advice & Life Insurance Quotes

Finding the right life insurance for real estate agents and mortgage brokers in Canada goes beyond a quick online quote. Our licensed advisors at Protect Your Wealth understand the unique needs of commission-based professionals and can match you with insurers who value your career structure and financial stability.

Whether you’re building your client base, managing variable income, or planning long-term financial protection, we’ll help you compare coverage options, understand underwriting expectations, and secure affordable life insurance that fits your lifestyle and income pattern.

💡 Get a Free Quote 📅 Book a 30-Min Call

Quotes are free and obligation-free. Our goal is to make life insurance for real estate and mortgage professionals clear, transparent, and flexible, so you can focus on serving clients, growing your business, and protecting what matters most.

Case Studies

📍 Case Study: Jasmine, 38, British Columbia

Problem: Jasmine, a self-employed real estate agent in Vancouver, had inconsistent income during her first few years in business. She wanted life insurance to protect her family and cover her mortgage but worried that fluctuating commissions would make approval difficult.

Strategy: Her advisor recommended gathering three years of CRA tax assessments, brokerage income summaries, and renewal projections to show financial stability. They applied for a term life insurance policy in Canada through a carrier familiar with self-employed professionals. The advisor highlighted Jasmine’s growing client base and consistent performance trend.

Outcome: Jasmine was approved at a standard rate with affordable premiums and secured a 20-year term policy. Her coverage now aligns with her mortgage balance and family’s financial needs.

“Once I showed a clear income pattern and explained my business growth, the process went smoothly. Having this coverage gives me peace of mind for my kids.”

📍 Case Study: Daniel, 50, Ontario

Problem: Daniel, an experienced mortgage broker in Mississauga, had taken a short leave due to stress-related health issues. When he tried to apply for life insurance, he was unsure how the recent gap in work and medication use would affect his eligibility.

Strategy: His advisor suggested waiting two months after returning to full-time work, updating his medical file with his physician’s report, and submitting detailed financial documents to show steady renewal income. To stay protected in the meantime, Daniel took a simplified issue policy for short-term coverage.

Outcome: Daniel was later approved for a fully underwritten term policy at standard rates. The short-term plan was replaced with full coverage once stability was verified, ensuring uninterrupted protection.

“My advisor helped me stay covered even while I was getting back on my feet. It was reassuring to know I had options and didn’t have to wait without insurance.”

FAQ – Frequently Asked Questions

Can real estate agents and mortgage brokers qualify for life insurance in Canada?

Yes. Most real estate and mortgage professionals qualify for term or whole life insurance as long as their income and health records are properly documented. Underwriters evaluate income stability, commission history, and medical background to determine eligibility.

Do fluctuating commissions affect life insurance approval?

Fluctuating income does not automatically affect approval. Insurers typically review an applicant’s average income over two or three years. Submitting consistent CRA tax records and brokerage payout summaries helps underwriters see long-term financial stability and avoid delays.

What type of life insurance is best for real estate professionals?

Term life insurance is often the best option for income replacement and mortgage protection. Those seeking lifetime coverage or cash value growth may prefer whole life or universal life insurance. An independent advisor can help match the plan to your needs.

Can I apply for life insurance if my income recently changed?

Yes. If your income has changed due to market fluctuations or switching brokerages, insurers may request additional financial documentation. Waiting one to two months for income to stabilize or providing your most recent commission statements can help support approval.

What if I was previously declined for life insurance?

Applicants who were declined can still qualify for Simplified Issue or Guaranteed Issue life insurance. These options require few or no medical questions and can be upgraded later once full documentation or health improvements are available.

Why work with an independent advisor instead of applying directly?

An independent advisor compares rates and underwriting flexibility across multiple insurers, helping you find the best fit for your financial profile. For self-employed professionals, an advisor ensures your application includes the right financial details to maximize approval chances and minimize policy cost.

Find a solution for what you’re looking for

Take the necessary steps to obtain the right life insurance policy today. You can even get free professional advice from an award-winning broker at Protect Your Wealth to help you identify and secure the right life insurance coverage you need to create financial stability and protect your family and assets.

To schedule a consultation about your income protection goals, or if you have any questions about insurance in Ontario or Canada, please contact Protect Your Wealth or call us at 1-877-654-6119 to talk to an advisor today! We’re proudly based out of Hamilton, and service clients anywhere in Ontario, British Columbia and Alberta including areas such as Vaughan, Hamilton, Medicine Hat, and Kelowna.