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Insurance Brokerage · Est. Ontario

Insurance,
thoughtfully arranged.

For 25 years, Michael Mlotek has guided Ontario families and businesses through every dimension of life, health, group benefits, and travel insurance — with the independence to find what truly fits.

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25+ Years Experience20+ Insurance ProvidersON · BC · AB · NS Licensed
Our Insurance Partners

Backed by Canada's most trusted insurers, so your coverage is built on a foundation you can rely on.

RBC Insurance
iA Financial Group
Empire Life
GMS
Assumption Life
Victor
Manulife
BMO
Destination Travel Health Plans
ivari
Foresters Financial
Wawanesa Insurance
Sun Life Financial
Canada Life
Beneva
An Introduction

A Personal Message from Michael

Protection
“I believe insurance is more than a product. It is the quiet certainty that, whatever comes, your family is protected.”
Michael Z MlotekLicensed Insurance Advisor
Michael Z Mlotek - Licensed Insurance Advisor
Meet Your Advisor

Michael Z Mlotek

Licensed Insurance Advisor · 25+ Years · 20+ Providers

For over 25 years, Michael Mlotek has helped Ontario families and businesses navigate the complexities of life and health insurance. As the owner of MM Insurance and an independent advisor with access to 20+ insurance providers, he stays current on legislation and market developments to serve his clients with the most relevant advice.

Licensed across four provinces — Ontario, British Columbia, Alberta, and Nova Scotia — Michael brings a breadth of experience to every consultation. As an independent broker, not a captive agent, he works with multiple insurance carriers to find what genuinely fits each client, rather than pushing a single company's products. His approach is rooted in plain-language guidance and long-term relationships built on trust.

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What We Protect

Insurance solutions, thoughtfully arranged

Independent advice across four pillars of protection.

I

Life Insurance

Comprehensive coverage for every stage of life, from term to permanent solutions.

TermWholeUniversalNo MedicalMortgageFinal Expense
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II

Health & Wellness

Protect your health, income, and independence with individual coverage options.

Health & DentalCritical IllnessDisabilityLong-Term CareHSA
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III

Group Benefits

Employee and business protection programs tailored for organizations of every size.

EmployeeNon-ProfitKey PersonBuy-SellExecutive
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IV

Travel Insurance

Travel anywhere in the world with comprehensive protection and peace of mind.

Out-of-CountryVisitors to CanadaSuper VisaSnowbirdStudent
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25+Years in PracticeSince 1999
4Provinces LicensedON · BC · AB · NS
20+Insurance ProvidersIndependent Access
100%IndependentAdvice You Can Trust
Clientele

Trusted across every life stage

I

New Parents & Young Families

Building protection from the earliest years.

II

Established Families

Growing coverage as responsibilities expand.

III

Self-Employed Professionals

Personalized protection without employer benefits.

IV

Business Owners

Safeguarding your business and employees.

V

Newcomers to Canada

Navigating Canadian insurance for the first time.

VI

Seniors & Retirees

Preserving wealth and legacy in later years.

VII

Snowbirds & Frequent Travelers

Coverage that travels with you.

VIII

Non-Profit Organizations

Affordable group benefits for charitable teams.

Process

Your protection plan, gracefully arranged

I

Connect

Begin with a private consultation to discuss your situation and goals.

II

Consider

I review carrier options across multiple insurers to design tailored coverage.

III

Apply

I handle the application paperwork, medical underwriting if needed, and communication.

IV

Protect

Your policy is in force. I remain your advisor for life — including renewals and changes.

Instant Quote

Compare life insurance from 20+ carriers.

Answer a few quick questions and Michael will personally compare quotes across Canada's leading insurers — then bring you the right coverage at the best price. No cost, no obligation, no pressure.

  • Independent access to 20+ Canadian insurers
  • Licensed in ON, BC, AB & NS
  • A real broker — not an automated bot

Instant Life Insurance Quote

No obligation. Your information is private and never sold.

“Insurance is not about products — it is about people. Every policy represents a family's future, a business owner's legacy, or a dream worth protecting.”

— Michael Z Mlotek
Why MM Insurance

Independent. Experienced. Local.

When you work with a captive agent, you get one company's products. When you work with an independent broker like Michael, you gain access to dozens of insurance carriers competing for your business. Twenty-five years of experience means knowing which carriers excel for each situation — and having the relationships to advocate on your behalf. Whether you're in Toronto, Vancouver, or Calgary, Michael is licensed to serve you across four provinces.

I

Independent

Access to multiple insurance carriers, not tied to one.

II

Experienced

25+ years of guidance, thousands of satisfied clients.

III

Multi-Provincial

Licensed in Ontario, British Columbia, Alberta, and Nova Scotia.

IV

Always Available

Direct line to your advisor, not a call centre.

Client Reflections

In their own words

“Michael helped us find the right life insurance policy when we had our first child. His patience in explaining every option made a complex decision feel simple. Five years later, we still call him first for any insurance question.”
Sarah & David ChenYoung Family, Toronto
“As a small business owner in Markham, I needed group benefits that wouldn't break the bank. Michael found us a plan that our employees love, and he handles all the administration headaches. Worth every penny.”
Raj PatelBusiness Owner, Markham
“We're snowbirds who spend winters in Florida. Michael set us up with travel insurance that actually covers our pre-existing conditions. When my husband needed care in Miami, the claims process was seamless.”
Ellen & Robert MorrisonRetirees, Thornhill

Frequently considered

A captive agent represents a single insurance company and can only sell that company's products. An independent broker like myself works with multiple insurance carriers, allowing me to compare options and find the policy that best fits your specific needs and budget.

The right amount depends on your family's needs, debts, income, and goals. A common guideline is 10-12 times your annual income, but I recommend a personalized assessment. During our consultation, we'll review your specific situation to determine appropriate coverage.

No-medical life insurance provides coverage without requiring a medical exam. It's ideal for those who need coverage quickly or have health conditions that might make traditional underwriting difficult. While premiums may be higher, it offers an accessible path to protection.

Yes, I work with businesses of all sizes, including those with as few as two employees. I also offer non-profit group benefits that provide affordable coverage for charitable organizations and associations.

Super Visa insurance is required medical coverage for parents and grandparents visiting Canada on a Super Visa. It must provide at least $100,000 in emergency medical coverage and be valid for one year from the date of entry. I help families find compliant, comprehensive policies.

I'm compensated through commissions paid by the insurance carriers, not by you. This means my services cost you nothing directly. Because I'm independent, I have no incentive to push any particular company's products — only to find what genuinely fits your needs.

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Ready to Begin?

Your family deserves thoughtful protection.

Reach out for a private consultation — no obligation, no pressure.

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