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Compare Life Insurance Quotes.

We are independent brokers and sell life insurance across Canada.
Shop online for life insurance quotes and critical illness insurance quotes.

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Not sure what type of insurance best suits your needs?
Book a call with one of our licensed agents.
Serving clients across Canada.

How it works?

How it works.

1. Determine Coverage

Try our user-friendly life insurance calculator to determine the amount of life insurance coverage your family needs.

2. Compare Companies

Once you have calculated your coverage amount, instantly compare over 25 of the best life insurance companies in Canada.

3. Apply Online

You can simply apply online instantly or connect with one our awesome agents to complete your application by phone or email.

Meet Our Exceptional Team: Trusted by Hundreds of Satisfied Clients!

Simon Huften
President

[email protected]

Natasha Smith
Administrative &
Marketing Assistant

[email protected]

James Duncan
Life Insurance
Sales Advisor

[email protected]

Over 200 Five-Star Google Reviews from Real Customers!

Stacie Riggs
Stacie Riggs
02:43 28 Apr 22
This company was great to work with to ensure that my children have sufficient funds to look after a number of things upon my passing and to leave them them something too. I appreciate the time the company took to answer a number of questions and provided prompt answers. Thank you.
Wendell Johnson
Wendell Johnson
19:49 04 Apr 22
Had a great experience with Natasha, James, and Simon. I was quite surprised how easy they made getting affordable life insurance. In switching my coverage I was prepared for a long, drawn out process but things were completed within a couple of weeks. Natasha kept in touch at each step of the process and it made what can be a cumbersome process pretty much stress free. Stay away from the traditional agents that will often sell you products that give them the best commission even if its not the right product for you, instead use these guys as they give honest, knowledgeable opinion and excellent customer service.
Joshua John Mills
Joshua John Mills
13:28 16 Mar 22
The team at Life Insurance Canada is wonderful to work with. They have excellent customer service. They deal with their customers in a professional and timely manner. I highly recommend them to you!
Phill Pablo
Phill Pablo
20:36 25 Feb 22
James and Natasha provided great customer service, always prompt and professional. They were always in constant communication with updates and follow-ups. I would highly recommend using them. I will use them again in the future.
Amanda Montgomery
Amanda Montgomery
19:58 25 Feb 22
Excellent service! They were able to find me affordable life insurance. Great communication and they are always quick to respond to emails
Ian Blum
Ian Blum
13:48 23 Feb 22
From getting an online quote to booking the health screening and finalizing the contract, everything about this process was easy, flexible and fast (at least for life insurance). I will definitely be working with this company again in the future and recommending it to anyone who asks.
M. Clark
M. Clark
19:35 17 Feb 22
Very professional and very fast. The reps at Life Insurance Canada answered all my questions very promptly and gave me excellent advice concerning my options. Insured in no time and hassle free, thank you LIC!
Krash Angott
Krash Angott
13:48 14 Feb 22
Very professional, helpful and fast. I had been looking for insurance for while but when I found Life Insurance Canada I was insured in a couple of days! It was so good that my wife signed up too. We now both have some peace of mind thanks to the professionals at Life Insurance Canada.
Ann Olalere
Ann Olalere
14:20 17 Jan 22
I liked the fact that they publish insightful articles which help you to get a sense of what insurance is best for you. That way you make your decision with all the facts. Natasha and James Duncan were very helpful, professional and respectful of what I wanted to get and what I didn’t. They helped my husband and I every step of the way in purchasing our insurance. I will happily recommend them any day.
Anna Lum
Anna Lum
15:25 20 Dec 21
James Duncan and Natasha M were excellent to work with. James always answered my Qs promptly and professionally . I would have him help me again with other insurance products. I would definitely refer James to family and friends.
Aleisha Burta
Aleisha Burta
12:47 12 Nov 21
Natasha and Simon from Life Insurance Canada, made the process of finding a life insurance company very easy!! They took care of as much of the application process as they could. Natasha stayed on top of my file the entire time. Keeping everyone on track, as there were some delays on the life insurance companies end due to covid. Natasha and Simon answered all of my questions, and made the process simple. If you are in need of a policy I highly recommend giving Life Insurance Canada a call!!!
aneesh saji
aneesh saji
15:31 02 Nov 21
Received an amazing service from Simon & Natasha for our term life insurance requirements. Had a very consultative approach, to understand exactly what our goals and finalizing the best policy for us. They were really patient and professional, despite our request for multiple changes.
Olivia Warrington
Olivia Warrington
12:23 14 Oct 21
Every time I spoke or had an email conversation with a representative of Life Insurance Canada, it was a positive, exceedingly professional, andforward move in the application process. I never felt rushed, always felt heard, and in the end, had all of my needs met with great courtesy and respect. I highly recommend Life Insurance Canada to satisfy your life insurance needs too.
D Manhas
D Manhas
18:40 11 Aug 21
I found this insurance brokerage company excellent to deal with. They made navigating the different insurance companies easy by figuring out which policy would work best based on our needs and individual profiles. Natasha has been especially helpful in following up on the details related to one of our policies. This really helped to keep me organized and to make sure my husband’s health interview got completed. I recommend this company to anyone wanting to make paying insurance polices easier. There is a lot of differences between policies and having an insurance broker help you out takes some of the stressfulness out of buying insurance. I will definitely use this company again. Thanks for all your help!
Anne-Marie Crotty
Anne-Marie Crotty
14:37 07 Jun 21
Natasha and Simon have been exemplary in their professionalism and responsiveness to any inquiry we may have had. We always received timely updates on all things concerning our coverage. We would highly recommend them to any of our friends looking for life insurance.
Sarah Brown
Sarah Brown
15:04 10 May 21
Simon & Natasha were great. I had many questions to understand the differences between products & value. They were answered promptly and fully explained. Great value and service.
Amanda Montgomery
Amanda Montgomery
12:33 10 May 21
Natasha and Simon have been excellent to deal with. They are always quick to respond. Communication has been excellent and our life insurance prices are very fair. 5 stars all around 🙂
TANIA ERCOLI
TANIA ERCOLI
12:20 30 Apr 21
Natasha and Simon were very professional and answered any questions I had very quickly at any time. very satisficed and highly recommended. Great team!
Luis F Goncalves
Luis F Goncalves
23:29 23 Apr 21
Simon and Natasha were terrific! They were timely, attentive and responsive to all my questions and concerns. I had a very positive experience from the time I inquired until signing and receiving my documentation. Totally satisfied! Great team!
Ryan Johnston
Ryan Johnston
15:47 08 Apr 21
Phenomenal service from start to finish. Very responsive with answering all questions you have and they keep you updated with what's going on throughout the whole process. I wouldn't hesitate and will recommend Natasha and Simon to anyone in need of life insurance!
Charky
Charky
20:41 04 Apr 21
It truly was an easy experience for a tough subject matter. They were very professional and attentive to our questions. Would recommend without hesitation
Lisa Martin
Lisa Martin
23:16 31 Mar 21
Highly recommend! Simon and Natasha were very responsive and had a lot of patience with me and all my questions. They gave me options and basically asked me what I want and made all my wishes come true!
Sajan Mann
Sajan Mann
19:40 29 Mar 21
Great to work with, made life insurance super simple. Quick to respond and always follow up with you I would recommend them to anyone who wants an easy experience without having to leave the house
Tianna Vanvlerken
Tianna Vanvlerken
15:19 16 Mar 21
Natasha and Simon were great to work with.They were very informative and quick to respond. They made the whole process quick and easy. Would highly recommend working with them.
Chris Tauriello
Chris Tauriello
16:51 15 Feb 21
Natasha and Simon were professional and responsive throughout the entire process.I appreciate all their patience and dedication. At times, I was not able to respond for days on end, and they both made sure to follow up to ensure my wife and I got the service and coverage that we were looking for. Thank you both!
Mikaela Wilson
Mikaela Wilson
06:31 15 Feb 21
Didn't have to leave my home to get great life insurance! Their website is easy to use and it gives you exactly what you want (an accurate quote!) without forcing you to wait for them to call you. Communication was prompt, applying was easy, and the setup process was flawless. Highly recommend, and just applied for life insurance for my husband too. 😉
Tom Wasylkiewicz
Tom Wasylkiewicz
19:36 29 Jan 21
Simon and Natasha were great to work with. I had some initial issues/concerns, but they walked me through everything and found me a deal I was comfortable with. They're very professional and quick to respond. I'd highly recommend.
Dana Choi
Dana Choi
19:25 23 Jan 21
Thank you Life Insurance Canada for ensuring I received the best pricing and coverage. I am new to Canada and found them online and was pleasantly surprised with the ease of use and enjoyed my correspondence with their team. Thanks for making sure I’m taken care of.
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Types of insurances.

Life Insurance Canada.com provides expert advice and online resources for a variety of different insurance products. Read more about the different products that we offer Canadians through our online experience.

Term Life Insurance

Term life insurance is the most popular type of life insurance in Canada because of its affordability and flexibility. It provides life insurance coverage for a period of time which is known as the term. The term length can be anywhere from 10 years to 40 years.

Permanent Life Insurance

Permanent life insurance provides lifelong life insurance protection which never expires (unlike term life insurance). There are three different types of permanent life insurance products available in Canada- whole life insurance, universal life insurance and term to 100 life insurance.

No Medical Life Insurance

No medical life insurance is quickly becoming a very popular life insurance product in Canada. Why? Mainly because of how quick and easy it is to get coverage in place because the application process is a breeze and the wide range of products now available to choose from. 

Critical Illness Insurance

Critical illness insurance in Canada is a hot product. But beware! You must be educated on what is covered- it may not be what you think. It is very important to make sure you understand what types of critical illness products are available and what you are buying.

Who needs Life Insurance?

Who needs life insurance? We want to protect the people we love. We look after our partners, we build safe homes to raise our children. But what happens when we can’t be there anymore? In the event of your death, life insurance will continue to protect the people who depend on you. Take out a policy today. In a world full of uncertainty, life insurance is guaranteed protection.

Life Insurance Providers We Work With.

What Will Life Insurance Cost Me?

$10k $5M
Yearly Price From:

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Top questions people ask us.

We frequently hear from our customers asking how much life insurance coverage do I need?

The amount of life insurance that you require is specific to you and your family. This amount is dependent on your families financial situation and needs. We need to understand your current situation to help determine how much life insurance coverage you should be considering. Some of the questions that we ask include questions about your occupation, annual income, debts, dependents, education needs and more.

We want to ensure that if something happens to a member in your family, your family is able to maintain their standard of living. Basically we want to be able to replace the income and support of whomever passes away so that your family can be able to move on without having to worry about finances.

Understanding how much life insurance coverage that you need is definitely crucial… Especially for families with unusual debts and finances such as high debts and medical bills. Once you are sure that your life insurance agent is taking into consideration all of your current and future financial needs, you can then purchase a life insurance policy that is right for you and your family.

The cost of your life insurance policy is dependent on many different factors. When determining the cost of a life insurance policy, the life insurance company will need to know about your gender, age, smoking status, lifestyle habits, past and current medical status, type of life insurance you are applying for and the coverage amount. These are all factors which will play a role in determining the final premium cost of your life insurance policy.

To keep it simple, the higher the risk you are to the insurance company, the higher the cost of the policy will be. The older you are, the higher the premiums. If you are a smoker, the premiums will also be higher. If you have had past medical issues such as cancer, heart attack or are currently a diabetic then there also could be increases in the cost of the policy.

It is the easiest to get life insurance coverage in place when you are young and healthy. With that being said, we have access to a very large group of life insurance companies and can tailor a product to your needs to ensure that you are getting the right product at the lowest possible premium. Contact us today to learn more.

The good news is that once you have been approved for a life insurance policy, accept it and are paying the premiums you do not have to worry about any changes in your health. When applying for life insurance, the life insurance company is looking at your current and past health. Once approved, you and the life insurance company enter into a binding contract and any changes in your health afterwards has no effect on your policy.

On the flip side, you might already have a life insurance policy and have higher than normal premiums because you were in worse health than you are in today- even though you are older today. Depending on the situation, you may actually be paying too much for your life insurance and can get a lower rate. Maybe you had an increase in the cost of your policy due to travel, piloting a plane or deep sea scuba diving which you no longer do.

It is also beneficial to stay on top of your financial security and review your options from time to time to make sure that you have the right policy in place.

There are lots of companies and agents where you can buy life insurance from. At Life Insurance Canada.com Inc. we work with over 20 of the greatest life insurance companies in Canada. We do all the work for you in finding the right policy at the right price. Let us do the work for you as you can be confident knowing that you will be just like the other thousands of customers we have served over the years, getting the best product at the lowest possible price.

This is a very common question. For most Canadians, the answer is simply no. Term life insurance is the right fit for the majority of Canadians who require life insurance.

Term life insurance is much more affordable than permanent life insurance and fits the needs for more than 95% of Canadians. You need to ask yourself if you need life insurance for a period of time or for your entire life? Once you have an idea of why you are buying life insurance, you should connect with one of our experience agents to help determine the type of product and coverage amount.

Yes! We are completely independent and do not hold any particular interest in any one certain life insurance company. We are privately owned and work in the best interests of our clients to show them all of their policy options, pricing and companies in Canada. You can be confident that you are receiving professional, honest advice at no cost.

When our customers purchase life insurance from us, we are solely compensated by the life insurance company who our customers purchase from. There is no cost to you, the customer for using our services as we are paid by the insurance company.

There are many differences between mortgage life insurance and term life insurance (which we offer).

Mortgage life insurance is life insurance provided by your bank to cover the outstanding balance of your mortgage. You pay the same monthly premium while your coverage decreases (because the principal of the mortgage is being paid down). You have to revisit your insurance options every time you make changes to your mortgage (every five years for most people). You cannot choose the beneficiary as the bank is the beneficiary (your family does not receive any funds). It is not 100% guaranteed to pay out because the bank will decide at the time of claim if they will pay or not (this is called post-claim underwriting). On top of all of this, it’s usually very expensive!

Term life insurance is a product that we sell and is offered by over 20 life insurance companies in Canada. You can choose the exact amount of coverage your family needs (e.g. $750,000) as well as the term length. It provides level premiums (cost of the policy) and level death benefit for a period of time, typically 10, 20 or 30 years. You can choose the coverage amount and it does not have to be the outstanding balance of your mortgage. You can also choose the beneficiary of the policy (it’s not the bank, unlike mortgage life insurance). Once the policy is approved the policy is guaranteed to pay out and the cost is usually less than mortgage insurance.

Shopping for the right life insurance policy can be daunting, especially considering the many different providers, coverage types, and premium rates that exist. Life insurance quotes help you to sort through the various life insurance policies on the market to find the right one—for your needs and budget. Typically, all you need to obtain a custom life insurance quote is to fill in some basic personal information, like age, gender and smoking status, and what policy type you are interested in. From there, you will be presented with one or many policy options that fit your criteria.

The key to comparing life insurance quotes is to find a premium rate you can afford for the type of coverage you are looking for (i.e. term or whole life insurance). It is also important to remember that instant life insurance quotes are based on only a handful of factors, meaning that final premium rates may vary depending on the underwriting process and your overall health.

While in the past a life insurance customer may have had to obtain quotes from each life insurance provider and compare them at home, it is now possible to use a centralized platform—like LifeInsuranceCanada.com—to generate and compare life insurance quotes and policies. You can also work with an independent insurance broker, who will do the legwork and present you with custom quotes from various insurance providers.

There are two key things to know about life insurance and taxes in Canada. First, the death benefit is tax-free, meaning that the beneficiary of a life insurance policy will receive the entire death benefit without having to report it as taxable income on their annual tax return. The second thing to note is that life insurance premiums you pay every month are generally not tax-deductible.

There are many factors that go into how much life insurance you may need, including number of dependents, income, and debts. This means that every person has a different coverage need. Head over to our easy coverage calculator to see how much life insurance you need.

Life insurance in Canada ensures that your loved ones have financial support in the event of your death. In short, you select and apply for a policy that meets your needs, and pay a monthly premium over the course of the policy. A death benefit is paid to your beneficiary (or beneficiaries) if/when you die, which helps to cover funeral costs, any debts, as well as income replacement. There are different types of life insurance policy in Canada, which can be explored in more depth here.

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