We are independent Canadian life insurance brokers and experts on term life insurance. We compare premiums AND benefits for 12 of Canada's top life insurance companies.
The Term Guy explains in 50 seconds why our term life insurance quotes are different, and how you can qualify to get additional discounts on your premiums.
Spousal discounts: Discounts for multiple insureds
Term Layering: Discounts for decreasing coverage over time.
Term Stacking: Using the exchange option, lower your term 20 or term 30 premiums in the first year by up to 50%
Backdating: change the policy date to reduce your age for premiums by a full year.
Pay Annually: Save money by choosing annual payments.
Call The Term Guy now to see if you qualify for these discounts.
(416) 642-6820
Here's the additional policy benefits you can compare in your online life insurance quotes:
Note: You should never purchase a term life insurance policy without the renewable and convertible options unless you have no other choice.
More Details: Clicking on more details for each company in your online term life insurance quote will display our opinion on each company including customer service, suitability for various client classes, and benefits and drawbacks of each company.
| Per Month | |
|---|---|
| Other Online "single company" agent | $92.47/mo or $1109/year |
| Our Online Quotes | $92.70/mo |
| Our Quotes with custom discounts (annual payment and term stacking) | $696.60 First Year, $1030 years 2-19 |
Our custom discounts saved them $413 in the first year and $80/year for the next 19 years over what seems to be a lower online quote! You could see similiar savings with The Term Guy.
About Us
We are experts on Canadian Term Life Insurance. We’ve been working online since 2006, showing Canadians the important differences in term life insurance policies. During that time we’ve been used repeatedly as a resource for the Canadian media seeking clear and easy to understand expertise on life insurance.
"I appreciate The Term Guy's hard work researching not only the best quotes but explaining the benefits of each company, how they best suit my personal needs and the needs of my family. Their ongoing advice has helped me choose the policy that I need and am comfortable paying."
Jason H.
Nova Scotia
"They walked me through the whole process, helped me pick out the policies that would best suit our family and spent hours going over each point of the proposals. Even now, two years later, they still give me the same level of attention that The Term Guy did when we first met. There is no one else that I would recommend."
Christina H.
Ottawa, ON
"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."
Randi M.
Calgary, AB
"I appreciate you taking care of everything and making it easy for me to understand the process and for your patience with all my questions. I realize how relieved I feel knowing that if anything ever happened to me, my family would be ok financially."
Donna D.
Cambridge, ON