Start Over A issue has occurred, please ensure all fields are filled out before proceeding. Get Personalized Life Insurance Quotes and Apply Instantly What type of life insurance are you interested in? Select Coverage Group: Term Insurance Term insurance provides protection for a specific period (like 10, 20, or 30 years). It's ideal for covering your mortgage, your kids' education, or business goals. Select Permanent Insurance Permanent insurance means you're covered for your whole life, no matter what. Some types build value, others focus on affordability. Select Next, would you like a fixed or custom term length? Fixed Terms Select from common fixed term years. Custom Terms Select a more custom term to fit your needs. Choose a term that aligns with your biggest financial commitments. For example, a 20-year term can be a good fit for a 20-year mortgage. 10-year term Premiums Guaranteed for selected duration, Renewable and Convertible. Premium increases every 10 years 20-year term Premiums Guaranteed for selected duration, Renewable and Convertible. Premium increases every 20 years 30-year term Premiums Guaranteed for selected duration, Renewable and Convertible. Premium increases every 30 years Custom term Custom Term gives you control! Choose exactly how many years of term insurance you need. Some plans cover you up to age 80, others until age 85. Your premiums are based on the length of coverage you select. To get an accurate quote, make sure you know your "insurance age" (see the tip below). Then, experiment with different carriers, coverage lengths, and plan options to find the perfect fit. For example, if you're 40 years old, you could choose a plan that covers you for up to 40 or 45 years. What’s my “insurance age”? All Canadian insurance companies use your "insurance age" to calculate rates. Not sure what yours is? It's easy! If your birthday is more than six months away, it's your current age. If it's less than six months away, round up to your next birthday. Choose a custom duration to suit your needs, Premiums guaranteed for. Selected duration, Premiums increase after selected duration. I want to select a custom term Next, select the type of permanent life insurance that best suits your goals. Term to 100 Guaranteed coverage until age 100. Universal Life Insurance that offers more flexiblity. Whole Life Insurance that covers you for your entire life. Term to 100 With Term to 100, your premiums stay the same for life, with guaranteed coverage until age 100. How would you like to schedule your payments? Equal premium payments for your life Equal premium payments for 20 years Universal Life Universal Life is a type of permanent insurance that offers more flexiblity. Here's what you can customize: Cost of Insurance (COI) Level or Yearly Renewable Term (YRT) options Death Benefit: Select a level death benefit or one that increases over time. Premium Payments: Choose how long you want to pay premiums (options like Quick Pay, 10 Pay, 20 Pay, or Life Pay). Investments: Explore a range of investment options, from safe choices to ones with potential for higher growth. Important Note: Universal Life policies don't invest directly in stocks or funds. They track the performance of your chosen investments. Want to learn more about Universal Life? Check out our University pages! How would you like to schedule your payments? Equal premium payments for your life Equal premium payments until are 65 Equal premium payments for 20 years Equal premium payments for 10 years Whole Life Whole Life is a classic type of permanent insurance that covers you for your entire life. Here's the breakdown: Predictable Premiums: Usually, you pay the same amount for the life of the policy, or you can choose a shorter "quick pay" option. Built-in Value: Whole Life policies typically build cash value over time, and may offer other benefits like Automatic Premium Loans. Two Types: Non-Participating: Similar to Term 100 (level premiums, level coverage), but with added benefits. Participating (PAR): These policies can earn dividends, which you can use in various ways: Leave on deposit to earn interest Use to pay premiums Take as income Buy "Paid Up Additions" to increase your coverage and cash value How would you like to schedule your payments? Equal premium payments for your life Equal premium payments until you are 65 Equal premium payments for 20 years Equal premium payments for 10 years You have selected a custom term. How many years of coverage do you need? Select amount: 5 year 6 year 7 year 8 year 9 year 10 year 11 year 12 year 13 year 14 year 15 year 16 year 17 year 18 year 19 year 20 year 21 year 22 year 23 year 24 year 25 year 26 year 27 year 28 year 29 year 30 year 31 year 32 year 33 year 34 year 35 year 36 year 37 year 38 year 29 year 40 year 41 year 42 year 43 year 44 year 45 year 46 year 47 year 48 year 49 year 50 year Do you know how much coverage you need? Help me decide I already know! What coverage amount would you like? No problem! Our Easy Calculator will help decide how much coverage you should have. If you’d like a more detailed report, try using our Needs Analysis Tool. How much do you owe on your mortgage and other debts? Having enough insurance to cover your debts gives your loved ones options and less financial stress. Enter amount of total mortgage / debts How much would your family need to replace your income and cover education? Life insurance helps ensure your family can maintain their lifestyle if you're no longer there. Think about how much of your income they need, and if you'd like to provide for your child's future education. Enter amount of total income Replacement & Child Education Needs If you wish to allocate funds to support specific causes or individuals after your lifetime, please specify the dollar amount below: Life insurance can cover final expenses and help you leave a legacy. Consider how much you'd like to provide for loved ones or support causes you care about. Enter amount of total Estate/Legacy Needs Calculate Our recommended coverage amount is: Total recommened coverage amount You have the final say! Choose the amount that feels right. Select amount: $ 5,000 $ 10,000 $ 15,000 $ 20,000 $ 25,000 $ 30,000 $ 35,000 $ 40,000 $ 45,000 $ 50,000 $ 55,000 $ 60,000 $ 65,000 $ 70,000 $ 75,000 $ 80,000 $ 85,000 $ 90,000 $ 95,000 $ 100,000 $ 125,000 $ 150,000 $ 175,000 $ 200,000 $ 225,000 $ 250,000 $ 275,000 $ 300,000 $ 325,000 $ 350,000 $ 375,000 $ 400,000 $ 425,000 $ 450,000 $ 475,000 $ 500,000 $ 550,000 $ 600,000 $ 650,000 $ 700,000 $ 750,000 $ 800,000 $ 850,000 $ 900,000 $ 950,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,500,000 $4,000,000 $4,500,000 $5,000,000 $6,000,000 $7,000,000 $8,000,000 $9,000,000 $10,000,000 $11,000,000 $12,000,000 $13,000,000 $14,000,000 $15,000,000 $16,000,000 $17,000,000 $18,000,000 $19,000,000 $20,000,000 $21,000,000 $22,000,000 $23,000,000 $24,000,000 $25,000,000 $26,000,000 $27,000,000 $28,000,000 $29,000,000 $30,000,000 Almost done! Let's get those final details for your quote. Sex at birth: Life insurance carriers ask for sex at birth due to the correlations between sex and mortality. Your responses will be kept private, secure, and will not be used for a discriminatory purpose. Male Female What’s your birthday? (MM/DD/YYYY): Your date of birth (MM/DD/YYYY) Where do you live? British Columbia British Columbia Alberta Saskatchewan Nunavit Manitoba Ontario Nova Scotia New Brunswick Prince Edward Island Newfoundland Do you smoke regularly? A Non-Smoker is someone who has not used tobacco, chew, or vape products in the last 12 months. Smoker Non-Smoker How would you like the payments in your quote shown? Premium mode Annual Semi-Annual Quarterly Monthly Ready to see your quotes? Just enter your email below! Your email: Confirm email: Previous Next Loading your results, one moment... Start Over Your Personalized Quotes If you have any questions, feel free to book a call with our advisors. We are unable to match you with any available quotes with the information provided. Please contact us for more info. Life insurance rates are provided directly to easyLife by insurance companies. Rates are calculated in real time and are subject to change. Any questions? We’re here to make it easy. Book a call
