✓ Free   ✓ No Medical Exam   ✓ 3 Minutes

The Coverage Your Family Needs. The Rate You Deserve.

Compare 20+ Canadian carriers in minutes. No medical exam required for most applicants. Licensed advisors in BC, AB, ON and NS.

✓ No Medical Exam ✓ 20+ Canadian Carriers ✓ 100% Free ✓ No Obligation

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Takes under 3 minutes. No medical exam required.

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👏

You just did what most Canadians keep putting off.

A licensed advisor will call you within 1 business day — usually within the hour during business hours. The call takes about 10 minutes. No pressure, no obligation.

20+
Canadian Carriers Compared
$0
Cost to Get a Quote
48hrs
Typical Approval Time
4+
Provinces Now Serving

Carriers We Work With

iA Financial Sun Life Foresters Financial Canada Protection Plan Manulife
Why It Matters

Most Canadian Families Are Underinsured

The average Canadian family carries far less life insurance than they actually need. A mortgage, young children, and a single income create a significant financial gap that group benefits and government programs don’t cover.

🏠
Protect Your Mortgage
A life insurance policy ensures your family can stay in their home. The payout covers mortgage payments so your spouse and children aren’t forced to sell under pressure.
👨‍👩‍👧‍👦
Replace Your Income
If you were gone tomorrow, how long could your family manage financially? A tax-free lump sum gives them the runway to rebuild without financial stress layered on top of grief.
🎓
Fund Your Children’s Future
Life insurance proceeds can fund an RESP, cover education costs, or simply provide stability during the years when your children need it most.
💳
Clear Your Debts
Car loans, credit cards, lines of credit — these don’t disappear when you do. A policy ensures your family isn’t left managing debt on top of everything else.
⚰️
Cover Final Expenses
The average Canadian funeral costs $10,000 to $15,000. A final expense policy ensures your family can grieve without worrying about a bill arriving in the mail.
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Peace of Mind
Knowing your family is financially protected changes how you live. It removes the background anxiety that comes with being responsible for people who depend on you.
The Process

How It Works

Getting covered is simpler than most Canadians expect. No doctor visits, no blood tests. Just a few questions and a short phone call.

1
Complete the Quote Form
Answer a few quick questions about your coverage needs, age, and health. Takes under 3 minutes. No medical exam required.
2
Your Advisor Calls You
A licensed Canadian advisor calls within 1 business day. They compare 20+ carriers and present your best available rates. The call takes about 10 minutes.
3
Get Covered
Choose the policy that fits your family and budget. Most applicants are approved within 24 to 48 hours. No obligation until you decide to move forward.
Coverage Options

Types of Life Insurance in Canada

Your advisor will recommend the right type based on your age, budget, and what you’re trying to protect. Here’s a quick overview.

Most Popular
Term Life Insurance
Covers you for a set period — typically 10, 20, or 30 years. The most affordable way to get a large amount of coverage. Best for families with a mortgage and young children. Premiums are fixed for the full term.
Permanent
Whole Life Insurance
Covers you for life. Never expires, never increases in price. Builds cash value over time. Often used for final expense coverage, estate planning, or leaving a guaranteed inheritance.
No Health Questions
Simplified Issue Life Insurance
No medical exam required — just a short health questionnaire. Available for coverage up to $1,000,000. Approval typically within 24 to 48 hours. Available to Canadians with most health conditions.
Cannot Be Declined
Guaranteed Issue Life Insurance
No health questions at all. You cannot be declined. Best for seniors or anyone with a serious health history who doesn’t qualify for other products. Coverage up to $25,000. Note: 2-year waiting period applies.
What Canadians Are Saying

Real Stories from Real Families

★★★★★
“I’d been putting this off for three years. My advisor called within the hour, explained everything clearly, and had us both covered by Friday. No medical exam.”
— Mark & Jess T., Parents of Two, Calgary AB
★★★★★
“I’m a single mom with a mortgage. My advisor was patient, honest, and found me $500K of coverage for less than $30/month. It was the easiest phone call I’ve had.”
— Sarah M., Single Mom, Surrey BC
★★★★★
“I have Type 2 diabetes and was declined by two other brokers. PolicyConnect found a carrier that approved me at near-standard rates. I was shocked.”
— Brian K., Type 2 Diabetic, Calgary AB
Common Questions

Frequently Asked Questions

Do I need a medical exam to get life insurance in Canada?
No. Simplified issue life insurance is available for coverage up to $1,000,000 with no physical exam or blood tests required. A short health questionnaire is all that’s needed, and approval typically comes within 24 to 48 hours.
How much life insurance do I actually need?
A commonly used starting point is 10 times your annual income, plus your mortgage balance, plus estimated childcare and education costs. For a person earning $80,000 with a $500,000 mortgage and two children, that’s roughly $1.3 million. Your advisor will walk through the exact calculation for your situation.
Is the payout taxable?
No. Life insurance death benefits in Canada are paid tax-free directly to your named beneficiary. Your family receives the full amount with no income tax deducted.
What if I have a pre-existing health condition?
Many Canadians with health conditions including diabetes, high blood pressure, high cholesterol, sleep apnea, and more qualify for simplified issue life insurance. The right carrier depends on your specific condition. If no carrier will take you, guaranteed issue coverage is always available — you cannot be declined.
How much does it cost?
A healthy 35-year-old can get $500,000 of coverage for approximately $26 to $38 per month. Rates depend on your age, health, gender, smoking status, and coverage amount. Your advisor will give you exact quotes from multiple carriers on the call.
Is this really free? What’s the catch?
Yes, completely free. There is no cost to get a quote and no obligation to purchase anything. Life insurance advisors in Canada are compensated by the insurance carrier — not by you. You only pay your monthly premium if you choose to move forward with a policy.

Ready to Protect Your Family?

Free quote. No medical exam. Takes under 3 minutes.

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