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    Life Insurance in Canada

    Whether you're just starting a family or planning for retirement, life insurance gives your loved ones a financial safety net. Let's find the right fit without the headache.

    Cover Direct
    Seniors Choice

    What Is Life Insurance?

    Life insurance is a contract between you and an insurance company. You pay regular premiums, and in return, the insurer pays a lump sum (called a death benefit) to your beneficiaries when you pass away. It's not the most cheerful topic, but it's one of the most responsible financial moves you can make.

    In Canada, life insurance proceeds are generally tax-free to your beneficiaries. That means the full amount goes to your family, not the CRA. Which is exactly how it should be.

    Why Life Insurance Matters

    Protect Your Family

    Cover mortgage payments, daily expenses, and your children's education if you're no longer around to provide.

    Replace Lost Income

    Your salary doesn't have to disappear with you. Life insurance can replace years of income for your dependents.

    Leave a Legacy

    Whether it's paying off debts, funding a charity, or leaving an inheritance, life insurance lets you make a lasting impact.

    Types of Life Insurance

    Term Life

    Coverage for a fixed period (10, 20, or 30 years). Affordable and straightforward.

    Learn More

    No Medical

    No exams, no blood tests, no awkward hospital gowns. Coverage based on simple questions.

    Learn More

    Whole Life

    Permanent coverage that lasts your entire life and builds cash value over time.

    Learn More
    Simple Process

    How to Get Covered

    1

    Tell Us About You

    Quick questions about your age, health, and what you need. No essay required.

    2

    Compare Plans

    See quotes from multiple Canadian insurers side by side. Transparency is kind of our thing.

    3

    Get Covered

    Choose your plan and work with a licensed advisor to finalize. Done and done.

    Who Should Get Life Insurance?

    Short answer: almost everyone. Here's the longer version.

    Parents with dependents
    Homeowners with a mortgage
    Couples with shared finances
    Business owners and partners
    Anyone with outstanding debts
    People who want to leave an inheritance
    Testimonials

    What Canadians Are Saying

    "I kept putting this off for years. Turns out, it only took about 10 minutes. Now I actually sleep better knowing my kids are covered."

    S

    Sarah M.

    Toronto, ON

    "As a smoker, I thought I'd be turned away everywhere. The team found me a plan that was actually affordable. No judgment, just help."

    J

    James R.

    Vancouver, BC

    "The whole process was straightforward and fast. I compared several quotes and found one that fit my budget perfectly. Highly recommend."

    P

    Priya K.

    Calgary, AB

    FAQ

    Frequently Asked Questions

    Get Your Free Life Insurance Quote Today

    Thousands of Canadians have already taken this step. It's free, fast, and could be the best financial decision you make this year.

    National Protection Plan

    Helping Canadians find the right life insurance coverage. Because your family deserves more than just hopes and good vibes.

    Contact

    Consumer Genius Inc. is not a Life Insurance company and we do not provide Life Insurance cover or advice. We will connect you to Life Insurance brands who will complete your quote. [Seniors Choice/Cover Direct] is underwritten by Canadian Premier Life Insurance Company (operating as Securian Canada) who is authorized and regulated by the Office of the Superintendent of Financial Institutions and the provincial insurance regulators, with permission to effect and carry out contracts of life insurance. Canadian Premier Life Insurance Company is incorporated and registered in Canada whose registered office is at 25 Sheppard Ave. West, Suite 1400, Toronto, Ontario, M2N 6S6. 1-844-894-0378

    Depending on the insurer, Quebec may not be an option.

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