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At Insurance Concepts we empower you to discover and comphrehend the tools and resources to plot your personal lifestyle and financial goals...


  Insurance Concepts (Calgary) Ltd. is based out of Calgary, serving Albertans since 1979. With over two decades of experience, our continued success is a result of integrity, honesty and open communication between our clients.

You will receive our personal attention as a sounding board, educator and coach. We will help you with goal setting, planning, and asset allocation.

Over the years, we have leveraged ourselves with the largest Life Insurance companies, and through them, have access to leading edge personal and business planning concepts and solutions, for all your requirements.

As independent brokers, we shop the marketplace for the best products to meet the diverse needs of our clientele ranging from Individuals to Businesses, ensuring that the Life and Living Benefits Insurance and Investment portfolios we recommend are providing you with the best value.

Zahir Karmali

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Insurance Concepts
Phone: 239 3850


Materials on this web site are not intended to be financial , tax or legal opinions or a substitute for the exercise of the user's personal or professional judgment. Any decisions or courses of actions that the user may wish to make should be verified first with the user's professional, tax and financial advisors and Insurance Concepts (Calgary) Ltd assumes no liability thereto.


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