Coast Capital Financial Management

What Coast Capital Financial Management does

Coast Capital Financial Management Ltd. (CCFM) is a Canadian insurance and financial planning advisory firm operating as a wholly owned subsidiary of Coast Capital Savings Federal Credit Union, Canada's largest credit union by membership with more than 600,000 members and 80 years of operating history. Headquartered in Surrey, British Columbia, CCFM delivers personal insurance, retirement planning, estate planning, business insurance, and employee benefits across Alberta, British Columbia, and Ontario. Its product set spans life, critical illness, and disability insurance for individuals and businesses, segregated funds and annuities for retirement, Legacy Builder Insurance for estate planning, and Group Benefits plus Group RRSPs for employer clients.

The company operates as an insurance intermediary, not a carrier. Insurance Specialists shop and compare products from multiple top insurers on behalf of clients to tailor coverage to individual needs and budgets. Distribution runs through three coordinated channels: in-branch and phone appointments at the parent credit union's locations, a Mobile Insurance Team that meets clients at their convenience, and digital touchpoints (blog, social media, email) used primarily for top-of-funnel education. There is no proprietary technology platform disclosed; the underlying asset is the advisor relationship and access to the credit union member base.

CCFM's revenue model is professional services in nature, earning commissions on insurance, segregated fund, and annuity placements rather than underwriting risk directly. Pricing is quote-based and personalized, with no public rate card. Partnerships extend the offering beyond pure insurance: Truvera Trust Corporation for Will and Estate planning, CRI Canada for mortgage protection insurance, and Worldsource Financial Management Inc. for mutual fund advisory services. The firm is privately held as a subsidiary of a credit union cooperative, with no external funding rounds, M&A activity, or public-company ownership signals in the source material.

Name

Coast Capital Financial Management

Legal name

Coast Capital Financial Management Ltd.

Website

https://coastcapitalfinancialmanagement.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Coast Capital Financial Management Ltd. is a Canadian insurance and financial planning advisory subsidiary of Coast Capital Savings Federal Credit Union, providing personal and business insurance, retirement, and estate planning services to individuals and SMBs across Alberta, British Columbia, and Ontario.

Ownership category

akta.pro rank

Product category

Insurance Advisory Services

NAICS

Insurance Agencies and Brokerages (52421), Portfolio Management and Investment Advice (523940)

SIC

Life Insurance (6311), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industry

Comprehensive Financial Planning (FSAEAAAA)

Keywords

• Personal insurance solutions
• Retirement planning services
• Estate planning insurance
• Business insurance advisory
• Employee benefits plans

Headquarters

HQ city

Surrey

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Advisory Services: CCFM provides advice and service related to insurance, segregated fund contracts, and annuities. The company operates as a subsidiary of Coast Capital Savings Federal Credit Union, earning revenue through commissions on insurance products sold and advisory fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Coast Capital Financial Management provides personalized insurance, retirement planning, and estate planning solutions for individuals and businesses across Alberta, British Columbia, and Ontario. Acting as an intermediary, the firm shops and compares policies from multiple top insurers to deliver tailored coverage including life insurance, critical illness insurance, disability insurance, segregated funds, annuities, and business protection products.

Product overview

Coast Capital Financial Management offers a comprehensive portfolio of insurance and financial planning products and services. The core offerings span three main categories: Personal Insurance (Life, Critical Illness, and Disability Insurance), Retirement Planning (Segregated Funds and Annuities), and Estate Planning (Legacy Builder Insurance). For business clients, they provide Business Insurance products including Key Person Insurance, Buy-Sell Partnership Insurance, Business Critical Illness Insurance, Business Overhead Insurance, and Business Disability Insurance, as well as Employee Benefits including Group Benefits and Group RRSPs. The company acts as an insurance intermediary, shopping and comparing with multiple top insurers to find solutions tailored to individual client needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Life Insurance

Quantifiable outcome

• Insurance provided through shopping and comparing multiple top insurers to find optimal solutions

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and minor.

• Truvera Trust CorporationcoreStrategic or Co-development PartnerCoast Capital has partnered with Truvera Trust Corporation to provide Will and Estate planning services to clients. This partnership enables CCFM to offer comprehensive estate planning solutions as part of their overall financial planning services.
• Worldsource Financial Management Inc.minorChannel Partner/ Reseller/ DistributorWorldsource Financial Management Inc. provides advice and service relating to mutual funds. This partnership allows Coast Capital to offer a broader range of investment products including mutual funds alongside their insurance and segregated fund products.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Hub International: Major North American insurance brokerage with significant Canadian operations. Comparable in being a multi-product insurance advisor serving both personal and business clients, but operates at broader scale and across more lines of business.
• CAA Insurance: Insurance arm of the Canadian Automobile Association offering home, auto, and life insurance to a captive membership base. Similar to CCFM in leveraging an established membership organization for warm lead generation and cross-sell opportunities.
• Western Financial Group: Canadian insurance and financial services brokerage with strong regional presence in Western Canada. Directly comparable to CCFM in serving personal and business clients with insurance and investment products across multiple provinces.
• BrokerLink (Intact Insurance Brokerage): One of Canada's largest insurance brokerage networks, offering personal and business insurance through a multi-channel distribution model. Directly comparable to CCFM in product breadth (personal and commercial lines) and advisor-led model, but at greater national scale.

Emerging players

• Edward Jones Canada: Branch-based financial advisory firm offering investment products, retirement planning, and insurance solutions across Canada. Comparable to CCFM in personalized advisor-led model and local presence, with cross-sell of insurance and investment products.
• IG Wealth Management (I.G. Wealth): Canadian wealth management advisory firm offering financial planning, investment products, and insurance through a national advisor network. Comparable to CCFM's retirement planning and mutual fund offerings, though IG is advisor-network based rather than credit-union embedded.

Broad incumbents

• Manulife Financial: Global life insurance and wealth management company with extensive Canadian operations. Directly competes with CCFM on life insurance, segregated funds, and group benefits, but offers proprietary products and institutional scale.
• Sun Life Financial: One of Canada's largest life insurance and financial services companies, offering life insurance, retirement, and wealth management products. Overlaps with CCFM on life insurance, segregated funds, and annuities, but at national scale and with proprietary product manufacturing.
• RBC Insurance: Insurance arm of Royal Bank of Canada offering life, health, home, auto, and travel insurance. Provides overlapping products to CCFM but as part of a much larger bank portfolio and with national distribution scale.

Others

• Worldsource Financial Management: Canadian mutual fund dealer and insurance agency that partners with advisors (including CCFM) to provide mutual fund products. Listed as an existing partner of CCFM, providing a comparable advisor-supporting intermediation model in the Canadian market.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/CoastCapitalSavings
• Facebookfacebook.com/coastcapitalsavings
• LinkedInlinkedin.com/company/coast-capital-savings
• Instagraminstagram.com/coast_capital

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Coast Capital Financial Management