I live in Toronto. I hope to buy a 20-year Term Life Insurance for my (gullible) mother of age 58 to replace her Permanent Life Insurance (which I believe that the evil insurance agent exploited her to buy), but how do I find an ethical, honest independent insurance broker?
I could approach, say, Manulife Financial or Desjardins directly, but was thinking to see some quotes from an independent insurance broker too.