Securing Life Insurance with Sickle Cell Disease in Canada
Finding life insurance when living with sickle cell disease can feel overwhelming, but there are affordable, reliable options available in Canada. The right policy can provide peace of mind and protect your loved ones, even with pre-existing conditions.
📖 16 Minute read
📅 Originally Published: May 15, 2023
🔄 Updated: October 1, 2025
Securing Life Insurance with Sickle Cell Disease in Canada
Finding life insurance when living with sickle cell disease can feel overwhelming, but there are affordable, reliable options available in Canada. The right policy can provide peace of mind and protect your loved ones, even with pre-existing conditions.
📖 16 Minute read
📅 Originally Published: May 15, 2023
🔄 Updated: October 1, 2025
Individuals with sickle cell disease often face unique challenges when applying for life insurance. While some companies may deny coverage or charge higher premiums, others offer specialized solutions such as guaranteed or simplified issue policies. With the right knowledge and guidance, it is possible to secure a policy that meets your needs.
This guide explores how sickle cell disease affects underwriting, what insurers in Canada consider, and strategies you can use to improve approval chances. You’ll also find insights on trusted insurance companies, legal protections, and real client experiences to help you make an informed decision.
In this article:
- Overview of Sickle Cell Disease
- How Sickle Cell Disease Affects Life Insurance
- What to Look for in a Life Insurance Policy with Sickle Cell Disease
- Application Pathways for Life Insurance with Sickle Cell Disease
- How to Improve Your Chances of Getting Life Insurance with Sickle Cell Disease
- Canadian Life Insurance Companies Offering Coverage for Sickle Cell Disease
- Legal Protections for People with Sickle Cell Disease
- Frequently Asked Questions (FAQs)
- Case Studies
Overview of Sickle Cell Disease
Sickle cell disease (SCD) is a group of inherited blood disorders that primarily affect the shape and function of red blood cells. The most common type, sickle cell anemia (SCA), occurs when the oxygen-carrying protein hemoglobin is abnormal. Instead of being round and flexible, the red blood cells become rigid and crescent-shaped, which can restrict blood flow and oxygen delivery throughout the body.
Unlike normal red blood cells that flow smoothly through vessels, these sickle-shaped cells are sticky and fragile. They may clump together, causing blockages that lead to pain episodes (“crises”), organ stress, and increased risk of infection. This makes the condition not only a medical challenge, but also a factor that directly influences life insurance underwriting in Canada.
Causes: SCD is caused by a genetic mutation that leads to the production of an abnormal type of hemoglobin known as hemoglobin S. This mutation affects the blood’s ability to carry oxygen efficiently.
Inheritance: The disease follows an autosomal recessive pattern. A child must inherit the defective gene from both parents to develop SCD. If only one parent carries the gene, the child may inherit the sickle cell trait, which typically does not cause symptoms but can be passed on to future generations.
Symptoms: SCD symptoms vary widely. Common issues include chronic anemia that can cause fatigue, recurring pain crises, swelling of hands and feet, frequent infections, and delayed growth. While some individuals experience mild symptoms, others face severe complications that require frequent hospitalization.
Diagnosis: In Canada, SCD is often identified at birth through newborn screening programs. For those not diagnosed at birth, a simple blood test can confirm the presence of abnormal hemoglobin, with further tests used to determine disease severity.
Treatment: Although there is no universal cure, treatment options are available to manage complications and improve quality of life. These include medications to reduce pain and infections, regular blood transfusions, and supplemental oxygen therapy. In some cases, hematopoietic stem cell transplantation (HSCT) may offer a potential cure, though it carries significant risks and is not widely accessible.
Prevention: Genetic counseling plays a crucial role in helping families understand their risk of passing on the condition. Prenatal testing can also identify whether a child will have SCD or carry the sickle cell trait.
SCD most commonly affects people of African descent, but it is also found in Hispanic, Middle Eastern, South Asian, and southern European populations. Ongoing research, including Canadian Sickle Cell Disease Association initiatives, continues to explore innovative treatments such as gene therapy and new medications aimed at improving outcomes.
How Sickle Cell Disease Affects Life Insurance
Sickle cell disease (SCD) has a significant impact on life insurance underwriting in Canada. Insurers view applicants with this condition as higher risk due to the potential for severe health complications. While it is still possible to obtain coverage, individuals should expect more stringent requirements, higher premiums, or limitations on the type of policy available.
Increased Risk: SCD is linked to serious complications such as chronic pain crises, stroke, organ damage, and infections. These risks make it more difficult to qualify for traditional life insurance policies and often lead insurers to classify applicants as high risk.
Higher Premiums: Even when coverage is approved, premiums are usually higher. The cost depends on the severity of the condition, an applicant’s overall health, and each insurer’s internal guidelines. Guaranteed and simplified issue policies are often priced at a higher rate compared to fully underwritten plans.
Medical Underwriting: Most life insurance applications involve a thorough review of health records. For individuals with SCD, this process can include additional lab tests, detailed questionnaires, and longer review periods.
Coverage Limitations: Some insurers offer coverage but may impose restrictions such as graded death benefits, where the full payout is only available after the policy has been active for a set number of years. Maximum benefit amounts may also be capped lower than for standard applicants.
Denial of Coverage: In severe or unstable cases, insurers may decline coverage altogether. This is more likely if there are frequent hospitalizations, unmanaged comorbidities, or significant complications.
Despite these challenges, coverage is still possible. Some companies specialize in high-risk life insurance and may offer tailored solutions. Improvements in treatment and management have also increased life expectancy, leading to more favorable underwriting outcomes in some cases. For the best results, applicants should consult with an experienced advisor who understands life insurance with sickle cell disease in Canada.
Table 1: Underwriting Factors and Advisory Considerations for Sickle Cell Applicants
What insurers evaluate and how it shapes life insurance decisions in Canada.
| Key factor insurers look at | Why it matters | Example of a favourable case | Example of a higher-risk case |
|---|---|---|---|
| Cause and phenotype (e.g., HbSS, HbSC) | Different genotypes carry different complication profiles | Non-severe phenotype with minimal complications | Severe HbSS with history of vaso-occlusive crises |
| Severity and stability scale | Overall control and absence of acute events reduce risk | Stable for 24 months with no ER visits | Frequent crises or ER admissions in last 12 months |
| Time since diagnosis or last complication | Recency indicates current instability | No complications for 2 to 3 years | Acute chest syndrome within the last 6 to 12 months |
| Objective tests and labs | Data supports clinical stability | Normal or stable hemoglobin and organ function labs | Abnormal renal or hepatic markers that are trending worse |
| Treatment and adherence | Consistent therapy reduces crisis frequency | Adherent to hydroxyurea or transfusion plan with follow up | Irregular medication use or missed transfusions |
| Specialist follow up (hematology) | Regular care lowers uncertainty for underwriters | Quarterly hematology visits documented | Infrequent or no specialist notes available |
| Comorbidities and co risks | Additional conditions increase claim likelihood | No major comorbidities or well controlled issues | Renal impairment, cardiopulmonary disease, or stroke history |
| Documentation quality | Clear records speed decisions and improve outcomes | Complete summaries, discharge notes, and test results | Gaps in records or unclear crisis history |
| Lifestyle and exposure (travel, occupational demands) | Stressors can precipitate crises and complicate claims | Stable routine, no high risk travel, predictable schedule | Frequent long haul travel or strenuous shift work |
| Transplant or curative therapy history | Major procedures change long term outlook | Successful stem cell transplant with stable follow up | Recent transplant with ongoing complications |
- Phenotype: Non severe is favorable → Severe HbSS increases risk.
- Stability: 24 months stable is favorable → Recent crises increase risk.
- Recency: No events for 2 to 3 years is favorable → Recent acute chest is higher risk.
- Objective tests: Stable labs are favorable → Worsening renal or liver tests are higher risk.
- Treatment adherence: Consistent therapy is favorable → Irregular adherence is higher risk.
- Specialist care: Regular hematology follow up is favorable → Limited follow up is higher risk.
- Comorbidities: None or controlled is favorable → Renal or cardiopulmonary disease is higher risk.
- Documentation: Complete records are favorable → Gaps or unclear history are higher risk.
- Lifestyle: Stable routine is favorable → Strenuous work or frequent travel is higher risk.
- Transplant history: Stable post transplant is favorable → Recent complications are higher risk.
What Should People with Sickle Cell Disease Look for in a Life Insurance Policy?
People with sickle cell disease (SCD) often face unique obstacles when applying for life insurance in Canada. Coverage is available, but the right choice depends on the applicant’s health status, budget, and financial goals. Understanding policy types and their limitations is essential to making a confident decision.
Guaranteed issue policies: These policies require no medical exam and no detailed health questionnaire. While more expensive with smaller coverage amounts, they provide access to individuals who may otherwise be declined due to health complications.
High-risk insurers: Certain companies specialize in coverage for applicants with chronic illnesses. Working with these providers may improve your chances of approval and help you secure lower premiums compared to standard insurers that are more restrictive for SCD cases.
Comprehensive coverage: It is important to choose policies that do not exclude death caused by sickle cell complications. Always read exclusions carefully to avoid gaps in protection.
Graded benefit policies: These provide limited benefits during the first two years and then transition into full coverage. They are often used as a bridge for applicants who cannot qualify for traditional coverage right away.
Flexible payment options: Premium flexibility can be valuable for families managing ongoing healthcare costs. This ensures coverage remains in force during times of financial strain.
Riders and add-ons: Optional riders such as critical illness or accidental death benefits can enhance protection. For SCD patients, a critical illness rider may help cover costs if complications or related conditions develop.
Affordability and claims reputation: Beyond cost, choose a company with a track record of fair claims handling and strong financial stability. This ensures long-term reliability for your family.
Ultimately, no single policy is right for everyone. Consulting with an insurance advisor who specializes in high-risk applicants is the best way to compare options and build a strategy. For broader context on chronic illness coverage considerations, you may also review guidance from the Heart & Stroke Foundation of Canada.
Table 2: Life Insurance Policy Options for People with Sickle Cell Disease
Comparing underwriting paths and coverage options available in Canada.
| Category | Fully Underwritten (Term & Whole) | Simplified Issue | Guaranteed Issue |
|---|---|---|---|
| Medical Requirements | Full exam, blood work, and detailed health records required | No exam, but must answer health questions | No exam and no questions asked |
| Risk-Specific Requirements | Evaluates severity of SCD, hospitalizations, treatment adherence | Questions about chronic conditions and hospitalization history | No risk assessment; auto-approval regardless of health |
| Coverage Amounts | Typically $250,000+ depending on profile and stability | Usually up to $500,000 depending on insurer | Limited to $5,000 – $25,000 |
| Premiums | Lowest if approved, but can be rated higher for risk | Moderate; higher than fully underwritten policies | Highest cost per dollar of coverage |
| Best For | Applicants with stable SCD, strong medical documentation | Applicants who are relatively stable but do not qualify fully | Applicants recently declined, severe or active conditions |
- Medical Requirements: Fully Underwritten → Full exam; Simplified → Health questions only; Guaranteed → No exam/questions.
- Risk-specific Requirements: Fully Underwritten → Evaluates condition stability; Simplified → Basic chronic illness questions; Guaranteed → None.
- Coverage Amounts: Fully Underwritten → $250k+; Simplified → Up to $500k; Guaranteed → $5k–$25k.
- Premiums: Fully Underwritten → Lowest if approved; Simplified → Moderate; Guaranteed → Highest per dollar.
- Best For: Fully Underwritten → Stable SCD; Simplified → Moderate risk; Guaranteed → Severe cases/declined applicants.
Application Pathways for Life Insurance with Sickle Cell Disease
Choosing the right pathway to life insurance with sickle cell disease in Canada starts with an honest review of health stability, documentation, and budget. Most applicants consider three core routes: fully underwritten coverage, simplified issue policies, and guaranteed issue policies. The best choice depends on current health status, recent complications, and how quickly coverage is needed.
Fully underwritten is the most cost effective if approved. It fits applicants who can show stability, specialist follow up, and good adherence to therapy. Expect comprehensive questions, possible lab work, and a longer decision timeline. If your history shows minimal crises and consistent care, this route can unlock higher coverage at lower premiums.
Simplified issue removes the medical exam and relies on a short health questionnaire. It is a strong path when recent events make full underwriting uncertain, or when timing is critical. Premiums are higher than fully underwritten options, but approval odds are often better for applicants with controlled conditions and complete documentation.
Guaranteed issue is designed for applicants who are not eligible elsewhere. There are no health questions, amounts are smaller, and there is usually a two year waiting period for natural causes of death. This path is often used as a bridge while you work toward improved stability for future re underwriting.
Timing matters. If you have had a recent hospitalization or acute chest syndrome, many carriers will postpone. In that case, a layered strategy can preserve protection now and reduce cost later. Start with guaranteed issue or simplified issue, maintain strong follow up with your hematology team, then review a move to fully underwritten coverage after 12 to 24 months of stability.
Work with an advisor who can stage applications and compare carriers. Organize discharge summaries, lab results, and specialist notes. Clear documentation can shift underwriter perception from uncertainty to confidence, which improves outcomes and may expand coverage options across the Canadian market.
Table 3: Best Time to Apply and Alternative Solutions for Sickle Cell Applicants
When to choose fully underwritten, simplified, or guaranteed issue based on your situation.
| Situation | Underwriting view | Recommendation for timing | Alternative solutions |
|---|---|---|---|
| Stable health for 24 months with few or no crises | Favourable. Evidence of control and adherence | Apply now for fully underwritten coverage | No alternative needed. Consider adding riders for flexibility |
| Controlled condition with occasional mild events | Likely rated. Risk still manageable | Apply now. Shop carriers and benefit amounts | Simplified issue as a backup. Review ratings annually |
| Mid recovery after a recent event or new treatment start | Some carriers postpone until stability is demonstrated | Submit underwritten with complete documentation if timing allows | Hold a simplified issue fallback to avoid gaps |
| Recent diagnosis or acute complication within 6–12 months | Higher risk. Many will postpone | Use temporary coverage now. Re underwrite after 12–24 months stable | Simplified issue now. Revisit underwritten later |
| Severe or active complications with frequent hospitalizations | Decline likely for traditional coverage | Not eligible for underwritten at this time | Guaranteed issue, consider Critical Illness and Accidental Death |
| High exposure lifestyle such as frequent long haul travel | Elevated risk due to stressors and access to care | Apply underwritten only with strong mitigation details | Simplified issue if postponed. Consider employer group life |
| Documentation gaps or limited specialist follow up | Uncertain risk. Slower decisions or postponement | Gather records, then re approach underwriting | Simplified issue now. Build file for future re underwriting |
| Budget pressure with need for immediate protection | Neutral risk but time sensitive | Start small now. Increase coverage as circumstances improve | Layer guaranteed or simplified now, add underwritten later |
- Stable health: Apply underwritten now. No alternative needed.
- Controlled condition: Apply now, shop carriers. Backup: Simplified issue.
- Mid recovery: Try underwritten with strong documents. Backup: Simplified.
- Recent diagnosis: Use simplified now. Re underwrite in 12–24 months.
- Severe or active: Not eligible underwritten. Use guaranteed issue and consider CI or AD.
- High exposure lifestyle: Apply underwritten with mitigations. Backup: Simplified or group life.
- Documentation gaps: Build records first. Use simplified issue in the interim.
- Budget pressure: Layer smaller coverage now. Add underwritten later.
How Can People with Sickle Cell Disease Improve Their Chances of Getting Life Insurance?
While securing life insurance with sickle cell disease in Canada can be challenging, there are practical steps that applicants can take to improve their approval odds and access better coverage options.
1. Manage the condition consistently: Regular check ups, adherence to prescribed treatments, and proactive monitoring show insurers that you are committed to your health. Demonstrating a stable condition with few recent complications often leads to more favorable underwriting outcomes.
2. Maintain detailed medical records: Insurers rely heavily on documentation. Comprehensive files that outline your diagnosis, treatment plan, crisis frequency, and recovery history can help underwriters view you as a lower risk case. Keep updated reports from your hematologist and ensure lab results are accessible.
3. Adopt a healthy lifestyle: Good overall health supports your application. Regular exercise, a balanced diet, and avoiding high risk habits such as smoking or excessive alcohol use can strengthen your profile and demonstrate a proactive approach to wellness.
4. Work with a specialized advisor: Consider partnering with an insurance broker experienced in high risk cases. These professionals know which Canadian insurers are more likely to approve coverage for sickle cell disease and can guide you through the process efficiently.
5. Compare multiple insurers: Each company applies its own underwriting standards. Shopping around and exploring both fully underwritten and no medical life insurance policies helps ensure you find the best fit for your needs and budget.
Applying these strategies does not guarantee approval, but they significantly improve the likelihood of securing coverage. Managing your health, presenting strong documentation, and working with knowledgeable professionals can help turn a difficult application into a successful one. For additional health and lifestyle support resources, visit the Sickle Cell Disease Association of Canada.
Canadian Life Insurance Companies Offering Coverage for Sickle Cell Disease
Life insurance companies in Canada approach sickle cell disease differently depending on their underwriting philosophy, product mix, and risk appetite. While no company publishes specific guarantees of approval, several insurers are known for offering options to people with chronic conditions through simplified issue or guaranteed issue products.
Assumption Life: Offers both simplified and guaranteed issue plans. Their guaranteed issue requires no medical exam or health questionnaire, making it a viable fallback for applicants with significant health challenges.
Canada Protection Plan (CPP): Known for broad high risk acceptance, CPP provides simplified issue coverage with no exam and only a few questions. They also offer guaranteed acceptance policies for those unable to qualify elsewhere.
Sun Life Financial: One of Canada’s largest insurers, Sun Life provides traditional underwritten coverage and may consider applicants with chronic illnesses depending on stability and documentation. In higher risk cases, they may offer rated coverage or exclusions.
Industrial Alliance (iA): Offers both simplified and guaranteed issue options. Applicants with stable conditions may be approved under simplified issue, while severe cases can still access basic coverage through guaranteed acceptance.
BMO Insurance: Provides a mix of traditional and guaranteed issue products. Applicants with SCD may face difficulty in securing fully underwritten coverage, but guaranteed issue remains available as a last resort.
Each insurer applies its own underwriting guidelines, so outcomes vary case by case. Working with an experienced advisor helps match applicants to the most suitable company and product type.
Table 4: Insurer Comparison – Coverage for Sickle Cell Disease
How Canadian insurers generally approach applicants with sickle cell disease.
| Company | Minimum stability / eligibility signal | Typical stance | Notes |
|---|---|---|---|
| Assumption Life | Case by case; depends on stability and health history | Often directs to Simplified or Guaranteed Issue | Guaranteed Issue available with no questions asked |
| Canada Protection Plan | Case by case; requires disclosure of chronic illness | Offers Simplified Issue and Guaranteed Acceptance | Broad access for higher risk applicants |
| Sun Life Financial | Requires disclosure and evidence of stability | May approve with higher premiums or exclusions | Standard underwriting focus; alternatives may apply |
| Industrial Alliance (iA) | Medical follow up and documentation required | Provides Simplified and Guaranteed Issue options | Traditional underwriting is stricter |
| BMO Insurance | Case by case; depends on recency of complications | May decline fully underwritten; Guaranteed Issue available | Fallback products ensure access to some coverage |
- Assumption Life: Simplified or Guaranteed Issue. Guaranteed Issue requires no questions.
- Canada Protection Plan: Simplified and Guaranteed Acceptance. Known for high risk access.
- Sun Life: May approve with ratings or exclusions if stable. Traditional underwriting focus.
- Industrial Alliance: Simplified / Guaranteed available. Stricter with full underwriting.
- BMO Insurance: May decline underwritten. Guaranteed Issue fallback ensures some coverage.
Protect Your Wealth works with all major Canadian insurers. We’ll match your case to the right company.
Legal Protections for People with Sickle Cell Disease
When applying for life insurance with sickle cell disease in Canada, it is important to understand the legal protections in place. These rules help ensure that applicants are treated fairly and not discriminated against because of their health history or genetic background.
The Genetic Non-Discrimination Act (GNDA), passed in 2017, prevents insurers and other companies from requiring a genetic test or using genetic test results as a condition for coverage. For individuals with sickle cell disease or the sickle cell trait, this protection ensures that life insurance decisions are based on current health and medical records rather than genetic status alone.
In addition, provincial human rights codes prohibit discrimination in services based on disability or medical conditions. This means that while insurers are allowed to assess risk through medical underwriting, they must do so consistently across all applicants and cannot refuse to work with someone solely because of a chronic condition.
These protections do not guarantee approval for a life insurance policy. Insurers may still decline or rate coverage based on health factors such as hospitalizations, complications, or comorbidities. However, applicants are assured that eligibility decisions must follow fair and transparent standards.
Staying informed about your rights is an important part of the application process. Speaking with an experienced insurance broker can also help ensure that your application is reviewed under the correct legal framework.
FAQ – Frequently Asked Questions
Can someone with sickle cell disease qualify for traditional life insurance in Canada?
Yes, some applicants are approved. Eligibility depends on stability, frequency of complications, and overall health. Those with strong documentation and few recent hospitalizations may qualify for fully underwritten coverage, often at rated premiums. You can compare options with a life insurance quote.
How does sickle cell disease affect life insurance premiums?
Insurers view SCD as a chronic condition with potential complications, so premiums are usually higher than standard rates. Pricing reflects crisis frequency, recent hospitalizations, organ involvement, adherence to treatment, and the policy type selected.
What can I do to improve my chances of getting life insurance with sickle cell disease?
Maintain consistent care, keep detailed medical records, and document stability over time. Healthy lifestyle choices and working with an advisor who understands high-risk underwriting can also improve outcomes.
Are there specific life insurance companies that offer coverage to people with sickle cell disease?
Several Canadian insurers consider applicants with chronic conditions through simplified or guaranteed issue products. Availability and outcomes are case by case, so comparing multiple carriers is recommended.
What should I look for in a life insurance policy if I have sickle cell disease?
Confirm that complications related to SCD are not excluded, review waiting periods for graded benefits, assess coverage amounts and premium flexibility, and consider riders such as critical illness where appropriate.
What type of life insurance is best for someone with sickle cell disease?
The best option depends on your health profile and timeline. Fully underwritten policies can be most cost-effective if approved. Simplified issue is useful when exams are a barrier. Guaranteed issue provides last-resort coverage with smaller amounts and a waiting period.
Does sickle cell trait affect life insurance eligibility?
Generally, sickle cell trait is treated differently from the disease. Most applicants with the trait and no other health issues can qualify for standard coverage, but underwriting remains case by case.
Can I get no medical or guaranteed issue life insurance with sickle cell disease?
Yes. No medical and guaranteed issue policies do not require exams, and guaranteed issue has no health questions. Coverage amounts are smaller and premiums are higher, but they provide access when traditional policies are not available. Learn more about options at No Medical Life Insurance.
Is group life insurance through my employer an option if I have sickle cell disease?
Often yes. Many group plans offer basic coverage without medical underwriting, which can be valuable if individual coverage is postponed or declined. Review your benefits booklet and consider supplementing with personal coverage if needed.
Case Studies
Profile: Non-smoker. Diagnosed with sickle cell disease in childhood. No major crises in the last 3 years. Works full time.
- Problem: Aisha worried that her history of hospitalizations during her teenage years would make her uninsurable.
- Approach: Applied through a broker who matched her to a carrier open to no medical life insurance. Submitted physician notes confirming recent stability.
- Resolution: Approved for a Simplified Issue Term policy of $150,000 with slightly higher premiums, but no exclusions related to sickle cell disease.
Takeaway: Stability and recent positive medical history helped Aisha qualify for meaningful coverage at a fair price.
Profile: Non-smoker. Living with moderate sickle cell disease. Experienced two crises requiring hospitalization in the past 24 months.
- Problem: Declined by two insurers for fully underwritten coverage due to recent hospital admissions.
- Approach: Advisor recommended applying for a guaranteed issue life policy to secure some protection immediately, with a plan to reapply for simplified issue after demonstrating stability for 2 years.
- Resolution: Approved for Guaranteed Issue Life Insurance of $25,000. Although premiums were higher, the policy provided peace of mind for his family.
Takeaway: Even after a decline, guaranteed issue coverage can bridge the gap until health stability supports a stronger application.
Find a solution for what you’re looking for
Navigating the world of life insurance with sickle cell disease may present unique challenges, but with informed decision-making, professional guidance, and persistent exploration of options, it’s entirely possible to secure a policy that offers both peace of mind and financial protection for your loved ones. At Protect Your Wealth, we work with and compare policies and quotes from the best life insurance companies in Canada to ensure the best solution for you and your needs. We provide expert life insurance solutions, including no medical life insurance, critical illness insurance, term life insurance, and permanent life insurance to build the best package to give you the protection you need.
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 Waterloo, Mississauga, Edmonton, and Nanaimo.
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