Call Now: 709-631-0028

Life is Filled with difficult choices. Fortunately, Life Insurance doesn't have to be one of them.

That's because in addition to offering Blue Cross products, we offer the best selection of Life Insurance coverage that is available in Newfoundland & Labrador! We offer insurance from dozens of companies that can protect you regardless of your health situation, at any stage of your life! For example:

Are you young and healthy? Standard Term Insurance is best for you. This option offers the lowest premiums, and offers the highest payouts. If you have no major health issues this is your best option.

Are you hard to insure? Guaranteed Issue Insurance is a great option. If for some reason you are hard to insure...no problem! We have guaranteed issue insurance plans that can protect most anyone.

Do you have a family member that is over 50 and is worried about their funeral costs? Final expenses insurance is surprisingly affordable. We can provide funeral coverage that will cover their funeral expenses. For a little more, there are policies that will leave some extra money for their family.

The one decision that you must make now is to get started.

That is because the best time for you to get Life Insurance is before you get sick or any older. This means that there will never be a better time than today.

To get started, call Francis Kelly at 709-631-0028. If you'd prefer e-mail enter your name and one point of contact in the blue email form on this page. All it takes is a few minutes over the phone, or a few emails and we'll have designed a custom health plan that fits your needs. Then you'll receive your free, no-obligation quote to read at your leisure. The whole process costs you nothing until you actually agree to, and sign your policy.

Please note that if you are uncomfortable with meeting in person, the entire process (right down to your final signatures) can be done virtually online, or by email. Your choice!


Fast & Easy, the way it should be!

After years of working on it, our application process is the easiest and fastest in the province. When you have questions, you will be able to reach me personally - the same person for the whole process! You won't find that in any call centre. Why wait? Give us a call now at 709-631-0028.

- Francis Kelly

Directly below, you'll find comments from several of our satisfied clients. This will tell you all you need to know about how easy we'll make this for you, and how we look after people.

insurance to supplement my provincial plan

During our interactions he was consistently helpful and informed and was able to fully explain the details of the plans I was enquiring about. He is always been thoroughly professional and in addition makes every effort to match the requirements of his client to the available options. Also he kept me fully informed about the progress of my application, and all in all was a pleasure to deal with. I would recommend anyone to turn to Francis for their medical insurance needs.
Judy M
St. John’s, NL

“It’s great dealing with someone personally rather than calling into a call center”

Francis is great. He handles my family’s healthcare plan. Anytime I have any question or concerns I can call him and he handles it. It’s great dealing with someone personally rather than calling into a call center and being treated like a number in a case file. You can’t get service like that these days. Happy to have met Francis. He’s made the whole process a lot simpler
Mike W,
St. John’s, NL

"Greatest service that I have ever seen from an insurance agent"

For me, it's easy to see why Francis Kelly is a leading agent for Medavie Blue Cross in Atlantic Canada. He puts his clients first! We have received the best advice and the greatest service that I have ever seen from an insurance agent. He put his over 20 years of experience to work to get me and my family the best insurance coverage that suited our needs and budget. Thank you so very much.
Dave T.