Term life insurance quotes
Why are our quotes better?
A 35-year-old non-smoking male sees Term 20 quotes as low as $48.75/month for $1,000,000 — before the additional discounts found on personal review.
- ✓ More information... Online quotes showing premiums AND policy benefits from 17 of Canada's top life insurers.
- ✓ Low premiums, plus we manually review your quote with 5 additional discounts not found online.
- ✓ Easy to understand expert level advice.
- ✓ Independent broker with Canada's top life insurers.
17 Canadian carriers
As independent brokers, we quote 17 life insurance companies.
Policy features that matter
Renewable. Convertible. Exchange. Accelerated Death Benefits. Customer Service. Underwriting. Your quote compares all of these.
Free manual review
We manually review for 5 more discounts not found in online quotes.
"I saw The Term Guy's site and took a chance. I am a pilot and life insurance can be tricky and quite expensive. They worked hard and diligently in getting me the best quote over just a few weeks, saving me over 75% a month on what I was quoted from another company."
Here's what your results look like
Three of the 17 carriers we quote, shown in the same comparison format you'll see when you run a real quote.
| Sample For: 35-year-old male, non-smoker, $1,000,000, Term 20 | |||||
|---|---|---|---|---|---|
| Company | Premium | Renewable to | Convertible to | Accelerated Death Benefit | Exchange option |
| Humania Assurance | $48.75 | 80 | 65 | No | Years 1-5 |
| Co-operators | $51.75 | 85 | 70 | No | N/A |
| Desjardins | $52.20 | 85 | 70 | No | Years 0-5 |
+ 14 more carriers — run a quote to see your full results.
You don't need an expert to compare premiums.
But we are term life insurance experts — so we compare more than just premiums:
Renewable
Your coverage continues past the initial term without re-applying.
Convertible
Exchange your term for permanent life insurance with no medical exam — critical if you've become uninsurable during your term.
Exchange option
Switch to a longer term with no medical exam. We use this in some of our manual discounts.
Accelerated Death Benefits
Access your death benefit while you're still alive if you're diagnosed with a terminal illness.
Customer Service
Our opinion based on decades of experience. Some companies will offer a more pleasant application experience than others.
Underwriting
Not all companies will underwrite you equally. The right match can mean lower premiums — or the difference between approval and a rated policy.
Discounts beyond the online quotes.
We will review these manually for you.
- Annual payments — some companies offer over 8% discount if you prepay annually.
- Two-person discounts — some companies offer discounts for two people on a single policy (typically spouses).
- Backdating — sometimes you can back up your age by one year, reducing premiums.
- Term layering — structure your policy so coverage decreases as your needs do, instead of buying flat coverage.
- Term stacking — our custom-built strategy. In some cases saves up to 50% in first-year premiums.
Frequently asked questions
How long does the form take?
It's instant once you submit. The quote form above is all the information we need to run a quote from 17 companies. Fill out the form, hit submit and view your quotes.
How accurate are these quotes?
These quotes are exact, subject to underwriting. If you have insurability issues, your premiums could be higher. Most Canadians in standard health should expect to see their policy issued at exactly these premiums — no additional taxes or fees.
Will I be locked into the premium I see?
No, this is just a quote so you can see premiums and policy features. It's not an application.
What happens after I submit?
After you submit, you'll see premiums and policy features from 17 carriers. We'll also follow up with a call or text to answer any outstanding questions — most people still have a bunch beyond the quote itself.
Ready to see your quotes?
Run my quote
Glenn Cooke, BMath, MMT
Prefer to speak to an expert?
Book a call or Zoom by clicking below — no cost, no obligation.
Glenn "The Term Guy" Cooke is an independent life insurance broker who has worked in insurance since 1986. He specializes in education, easy to understand explanations of life insurance for the family market and ensuring our clients get the best policy at the lowest possible premium.
Because The Term Guy makes life insurance easy to understand, he's been quoted in almost every daily national newspaper, on TV, on radio, published on almost every Canadian financial blog, and sourced in numerous consumer financial books authored by folks such as Preet Banerjee and Gail Vaz-Oxlade.
Let The Term Guy answer your questions about life insurance. Book a call or Zoom, or call anytime — no cost, no obligation.