My Background

Posted on by LSM Insurance
Chantal with Friends
Chantal with Friends

Chantal Marr is a member of the Independent Financial Brokers of Canada. Much of her success stems from her ability to listen to her clients’ needs. This keen ability combined with a contagious enthusiasm and knowledge provides her clients with the confidence and trust they seek when making an important decision.

Her philosophy is based on building a reputation for integrity and trust and offering people the highest quality representation along with superb customer service. Chantal’s professional yet personal approach allows her to build and maintain solid relationships with all of her clients.

LSM Insurance’s acumen and success has garnered nationwide attention including articles in The National Post, The Toronto Star, The Toronto Sun, Money Sense Magazine, The Insurance and Investment Journal, The Investment Executive and the Markham Economist. LSM Insurance has also been featured on City TV and Global TV.

On a personal note, Chantal was born in Quebec and raised in Thornhill, Ontario. She completed her Bachelor of Arts at Laval University in Quebec City and Bachelor of Education at the University of Western Ontario. She has a strong passion for helping people and her interests include languages and traveling. She is fluent in both English and French.

Chantal Marr is active on various social media platforms and frequently posts and comments about life insurance, personal finance and life in Ontario. To follow Chantal Marr on Google+, add her to your circles.

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  1. Suresh Babu 06/21/2008 at 5:54 pm

    I am a life assurance broker from Durban, South Africa, Whilst surfing thro the web, I found a page with your details.
    My apologies for an un-conventinal method of approaching. I do not have any friends in Canada with life assurance knowledge.
    Hence, I am writing this purely to say hello and if possible find out a little more about the Life Assurance industry in Canada.
    I live in Durban – one of the major cities in South Africa, stuated on the east coast. I have been in the life assurance Industry for the past 20 years. I woked for a major campanies for 19 yearsand have gone on my own recenlty.
    Look forward to hearing from you.

  2. LSM Insurance 06/22/2008 at 8:12 am

    Hi Suresh,

    Thanks for the email. Feel free to contact us with questions – We’ll try and help out as best we can. Regards,

  3. Daniel N 09/11/2008 at 10:08 am

    My apology for the unconventional approach. However, after reading your “10 reasons to become…”, I feel that you might be able to answer some of the questions that I’ve been search high and low for answers.

    First, please allow me to give you a brief overview of my motivation for this quest. I came to the U.S from Vietnam about 20 years ago. Although I really enjoyed the hospitality from the American people, I was yearning for the closeness and friendship from the Vietnamese community in Houston, TX; thus, we decided to move to Houston about 15 years ago. As I enjoyed watching our community population grew to about (approaching) a million and counting, I also discovered heart-broken stories from many people in my community due to insurance related events.

    Many of the people in the Vietnamese community purchased their auto, life, and other type of insurances from insurance brokers in my community to find out later their policies were worthless due to lack of knowledge of the type of insurances they had purchased. When confronted by these unfortunate people, these brokers just shrugged theirs shoulders and said “because these people didn’t ask the right questions”. I was also a victim of these bad insurances. Someone broke into my home, damaged my car, and stole many valuable items from the house. I later found out that many of the items were not listed in the policy; thus, the insurance company refused to pay for it. To add insult to the injury, I was notified that my premium might be increase due to the claim ?!?!?. By talking to other people in my community, I found out there are many people in the same situation that I am in right now. So, I have had with these bad policies and decided to do something about it.

    So, my question is what do I need to do to become an insurance broker? I have been a computer programmer for the last 10+ years, and also a real estates investor for many years. In short, I have a heart of an entrepreneur, and looking for ways to help people in my community to get better services for their *hard-earned* money. Any advice or suggestion from you is greatly appreciated.

    Thank you,
    Daniel N

  4. LSM Insurance 09/11/2008 at 11:01 am

    Hi Daniel,

    Thanks for your note. We can not offer advice in the areas of home and auto insurance – We’re not licensed to sell either of these plans and my knowledge is limited.

    We are a leading Canadian insurance brokerage specializing in life and health insurance. If you have an entrepreneurial spirit and like helping others the insurance industry could be a great career for you. You would have to check with your local government body for their licensing protocol. We are not licensed to operate in the United States. Sorry we couldn’t be more help!

  5. kashif 05/03/2013 at 10:51 am

    i am working as branch manager in life insurance company in pakistan, i want to join LSM insurance ,

  6. LSM Insurance 05/03/2013 at 11:08 am

    Thanks for your interest. But LSM Insurance is only operating in Canada.

  7. Trevor 05/11/2013 at 12:57 pm

    Do you have an office in London, ON. I would like to discuss my existing policy Term plan which comes up for renewal shortly with a broker.

  8. LSM Insurance 05/11/2013 at 4:04 pm

    Hi Trevor,

    Thanks for the note. Our office in Markham, ON. But we have an excellent broker we work with in London, ON. He would be happy to meet with you. We will send you a separate email now.

  9. shashikant 05/21/2013 at 5:19 am

    i need a job in Canadian life insurance company in office is it possible? i have 20 years experience in life insurance.

  10. LSM Insurance 05/21/2013 at 7:45 am

    Thanks for the note. You can email us your resume at [email protected].

  11. Anna 06/01/2013 at 2:04 am

    I’d like to get insurance for my mom who is a 74 year old smoker in OK health, but she’s hard of hearing and visually impaired.
    I can’t afford much and would prefer a policy that doesn’t require a physical if poss. I’d be happy with a $50,000 policy or even less, so long as monthly payments are low.
    What would U recommend?

  12. LSM Insurance 06/01/2013 at 4:22 pm

    Hi Anna, Thanks for the note. We are happy to help out and will be in touch by email.

  13. Stephen 07/12/2013 at 3:26 pm

    I’m trying to find the best insurance/ annuity product whether whole life or universal life that allows me to deduct the entire premium from my corporation. As a self employed franchise operator, I need to build up a annuity since I do not contribute to CPP. I only require moderate insurance but want to focus more on building up the investment component tax free in the plan. I do not want to overpay high administrative , commissions or the higher risk groups.

  14. LSM Insurance 07/12/2013 at 4:10 pm

    Hi Stephen,

    We are happy to help, we will be in touch by email.

  15. GS GS 10/03/2013 at 9:25 pm

    Extremely helpful answers. Lots of insights…Managed to browse your website at the right time. Just in the process of buying insurance… Thank you.

  16. LSM Insurance 10/04/2013 at 8:40 am

    Thanks for note. We are happy to help – life insurance can be confusing we are doing our best to simplify the process and make the whole process of getting what you need easier.

  17. Alex 11/16/2013 at 4:57 pm

    How do I go about finding a life insurance that I’m the beneficiary of that I signed long ago, but that my mom was paying? I don’t remember through what company it was done through, but I remember is was a joint life+health policy.

  18. LSM Insurance 11/17/2013 at 2:58 pm

    Thanks Alex. You can check her old safety deposit boxes, bank statements and or insurance brokers companies she was working with.

    Below is a link to our life insurance company directory. Listing the coordinates of the Major Life Insurance companies in Canada link to

  19. Dale Gosal 01/04/2014 at 6:46 pm

    Hi, I was told my an insurance agent from Manulife that the T D life insurance policy that I hold is not a good one, he went on to say that if I was to die TD would not pay the insurance because they underwrite it after one has died, Is there any truth in this statement? I currently have a TD life insurance policy. With the high premiums is their better coverage for less premiums?

  20. LSM Insurance 01/05/2014 at 12:13 pm

    Hi Dale, Thanks for the note. If you answered your initial application questions truthfully and correctly a claim should be paid out. The claim criteria is based on your answers at the time of application not at the time of claim. As for the policy itself I can’t say if its good value without seeing the policy. Best Regards,

  21. AJ 02/08/2014 at 10:32 pm

    Hi Chantal,
    Read couple of articles posted on this site about buying Insurance / Investment books. Can you point me to where I can find a listing of books for sale? I am just starting out in the advisor business and interested in acquiring some existing business.

    Thanks for your help.


  22. AJ 02/08/2014 at 10:32 pm

    Hi Chantal,
    Read couple of articles posted on this site about buying Insurance / Investment books. Can you point me to where I can find a listing of books for sale? I am just starting out in the advisor business and interested in acquiring some existing business.

    Thanks for your help.


  23. LSM Insurance 02/09/2014 at 12:58 pm

    Thanks AJ. You can contact contact Cameron Jacox he may be able to help you out email: [email protected]

  24. Harpinder 04/04/2014 at 5:30 am

    Hi I want to know which Life insurance should i take for my 10 year old Son and 8 year old Daughter
    also please let me know which life insurance should we take My age is 39 and my wife is also 39 but i am Diabetics .

  25. LSM Insurance 04/04/2014 at 1:13 pm

    Thanks Harpinder. I’m happy to help out.

    We do a lot of work with diabetics. In terms of the best plan it depends on your needs and your budget.

  26. Irvin Airdrie 04/26/2014 at 1:32 pm

    The bottom line to burial insurance is quite simple, common sense tells us that the insurance company will make a profit off you. You pay X, and get back X minus the profit. A good financial planner will never recommend a burial insurance product to you. Your returns get fixed, while the cost of final arrangements rise by about 6% a year. What does this mean? Simply, an insurance product that pays you back $25,000 over 20 year can cost you as much as $40,000 over those 20 years, more if you live longer. Final arrangements made today can be purchased for an average of $15,000. but, in 20 years given average inflation, they will be close to $40,000. So 20 years goes by, you pay $40,000 in insurance, get back $25,000, and leave your family with a Bill for an additional $15,000. If this makes sense to you, then I am sure there are bridges for sale somewhere as well.

  27. LSM Insurance 04/26/2014 at 2:44 pm

    Thanks for the note Irvin.

    I think the key is to find the right policy for the person’s situation.

    The younger and healthier you are when you take out the insurance the lower the premium. There are many Permanent policies which can be paid up in a limited number of years such as 10, 15 or 20 years and many of these policies can be purchased with an increasing death benefit to give you a hedge against inflation.

  28. Chris Huntley 05/09/2014 at 5:57 pm

    Hello Chantal,
    About 9 months ago I stumbled upon your “IRR of Life Insurance” article, here: link to

    I thought it was wonderful how you took a different road than the same old tired “how much do I need?” calculator. Anyway, I thought your calculator was so useful, that I spent $3,000 building a similar calculator on my site.

    I’d love to hear your thoughts: link to

    Also, since you are in Canada and I’m in the US, (since we’re not competitors), would you consider adding a link to your IRR article to my calculator?

  29. LSM Insurance 05/10/2014 at 9:29 am

    Thanks Chris. You did a nice job with the calculator simple and very nice graphics

  30. Michel Bilodeau 07/23/2014 at 1:47 pm

    Bonjour Chantal,
    I need a life insurance plan of $25,000.00 and I live with HIV and I am undetectable. Can you help?

    Best regards,


  31. LSM Insurance 07/23/2014 at 1:56 pm

    Hi Michel, We are happy to help. I will be in touch by email soon. Regards,

  32. MJ Mochtar 11/25/2015 at 6:19 am

    I need a mortgage insurance.
    Do you have an office in Kitchener, ON?

  33. LSM Insurance 11/25/2015 at 9:22 am

    Thanks for the note. We are happy to help out and we have an associate in Kitchener, I will send you an email now. Regards, Chantal

  34. Sharon Angus 04/15/2016 at 7:22 am

    Hi Chantal,
    Thank you for your post on adjustable whole life article written in this link: link to I just came across this post. Adjustable whole life will not be a good news to consumers who want level premium offered by whole life coverage. Anyway my questions are how is maximum premium calculated by a life insurance company and what are considered in its calculation?
    Is maximum premium the same as net level whole life premium as very often quoted in life insurance jargon?
    Thank you.

  35. LSM Insurance 04/15/2016 at 7:46 am

    Thanks for the note. Most newer adjustable whole life policies have stated maximum. A lot of the losers policies don’t. You can ask for something in writing from the insurance company what the maximum premium is.

    If there is a maximum premium the formula for premium increases is usually spelled out in the policy or you can contact the insurance company for a copy of this once again I would get this in writing.

  36. bruce liebman 06/27/2016 at 12:32 pm

    Hello Chantal

    came to your page when trying to learn more about MGA’s;

    I work for Barclays Business Info Center.
    We are trying to find a directory or list of the leading MGA’s.

    thanks much!

  37. LSM Insurance 06/27/2016 at 1:45 pm

    Hi Bruce, Feel free to reach out to me at [email protected] if you need more details on LSM Insurance.

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