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What type of life insurance are you interested in?

Select Coverage Group:

Next, would you like a fixed or custom term length?

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.

  • 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.

Next, select the type of permanent life insurance that best suits your goals.

  • 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?

  • 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?

  • 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?

You have selected a custom term. How many years of coverage do you need?

Do you know how much coverage you need?

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.

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.

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.
Calculate

Our recommended coverage amount is:

You have the final say! Choose the amount that feels right.

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.

What’s your birthday? (MM/DD/YYYY):

Where do you live?

Do you smoke regularly?

A Non-Smoker is someone who has not used tobacco, chew, or vape products in the last 12 months.

How would you like the payments in your quote shown?

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What to Expect

Here’s what to expect when applying for any of the quotes below!

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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. 

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