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Instant Online Quote for Term, Whole Life and Universal Life Insurance

We make the search and the application process simple for you

We set this page up primarily to give you quick and easy access to quotes of several insurance company's products based solely on three basic personal information namely, your age, gender, and your smoking status.
When you submit these information you will get a comparison results of several insurance company's quotes, and sometimes their ratings. Most if not all are Canadian insurance companies. You might even be familiar with some of them.

But now, you have a lot of questions!

 What do these premiums mean?
•  How come there are differences in premiums for the same plan such as Term 10 or Term 20?
 I want the cheapest plan. How do I apply?
 Do I need to do a medical to qualify for the preferred plus plan?
 If I were to include my spouse in the plan, do we get a discount?
 I have a slightly higher blood pressure, can the insurance company deny me? 

These are the kind of questions we hear everyday from our clients. And we are going to answer them for you so that you understand not only the different quotes provided but also the application process.

When you get a quote on an insurance product such as Term 10, coverage of $250,000 and a premium of $30.00 a month based on your age, gender and smoking status, it means very little by itself. It is just a quote! For insurance plans that do require medical underwriting, you might have to do a medical or perhaps not. And based on your age, the amount of insurance you're seeking and any medical conditions you might have, the premium quoted here might change. In a nutshell, you will not know for sure the exact premium you will pay until after all underwriting requirements whether medical or otherwise are met.

In addition, not all insurance companies underwriting requirements and procedures are the same. For instance, let's say you need $250,000, Term 20: insurance company A might quote you $25.00 a month with blood and urine tests as medical requirement, however insurance company B might quote you $26.45 a month with just urine test. We just want to stress the fact that when you get a quote, it is just a quote. Use it as a guidance.

What we suggest you do is that when you request a quote choose Regular in the Health Class box. The Preferred or the Preferred Plus classes are determined after completing the full underwriting process. You will get the preferred class rate if you're healthy.

So how can we add value to your search process & how can we be of any help to you?

Here is how:

 We have been in the insurance industry for 20 years. Experience counts
 We are licenced in Ontario, Alberta, British Columbia, Manitoba, New Brunswick, Nova Scotia, Saskatchewan,    Prince Edward Island and Newfoundland.
 We know all the different types of insurance available on the market.
 We will inform you about each and every insurance company's underwriting requirements so that you get to        pick and choose the which company to apply with.
 We understand different people have different needs.
 We will listen to you, your needs, your concerns, and your hopes and dreams.
 We will take the time and effort to answer all of your questions and help you with the application process from    the beginning to the end.
•  We want to build a long term relationship with you and your family so that we can take care of all your                  insurance needs for years to come.
 We are accessible 24 hours a day online at:
 ​Email us at: or reach us by phone at 416-546-1167 or toll-free: 1-800-656-1876  

We would be happy to answer all your questions.

Non-Med Canada

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