What would it actually cost to protect your family? Probably less than you think.
Most Canadians overestimate the cost of term life insurance — often by a wide margin. Three minutes here explains how term coverage works and how advisors right-size it, so your call is about your numbers, not the basics.
Worth knowing: Term life is typically the most cost-effective protection for working families: substantial coverage for a defined period — like your mortgage or your kids' dependent years — at the lowest cost per dollar of protection.
Does this sound like you?
Tap everything that applies — it shapes what your review focuses on.
See your protection picture in 30 seconds
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Estimated protection gap
$825,000 – $1,125,000
Adjust the sliders to reflect your situation.
Educational estimate only, using a simplified needs-analysis method (income replacement, debts, and dependents). This is not advice, a quote, or an approval — your actual needs depend on your full situation, which is what a licensed advisor reviews with you.
Three myths worth clearing up
Tap a card to see the reality.
How getting covered actually works
Today
Book a 20-minute call
No forms, no exams — a conversation about what you're protecting.
The call
We size your coverage
Term length and amount matched to your mortgage, income, and family.
Next
Options compared across carriers
Real options from Canada's leading insurers, explained in plain language.
Your call
Apply if and when you're ready
The timeline is yours. No pressure at any step.
Why timing matters more than timing the market
Protection pricing is based largely on age and health — so the same coverage generally costs more the longer you wait.
Illustrative index of a typical industry pattern — not a quote or a rate. Actual pricing depends on your personal health, coverage design, and carrier, which a licensed advisor reviews with you.
Based on what you're looking for, your call will cover:
- Term life fundamentals and how much coverage your situation suggests
- A side-by-side of your current coverage against alternatives across carriers
- Matching term length and amount to your mortgage
- Sizing coverage to your children's dependent years
Tell us a little about your situation in the form and the call starts where you are — not from zero.
Your review is with a licensed Canadian advisor, not a call centre.
Your information is handled under CASL and PIPEDA. A licensed Canadian advisor will follow up — no obligation, no pressure.
The questions people actually have
Will I be pressured to buy something?
No. This is a review and a conversation. Most people leave the call with clarity about where they stand — what happens next is entirely your decision.
Do I need a medical exam to get information?
No. The review itself involves no exams and no applications — it's a conversation about your situation and what options may exist.
What happens to my information?
It's stored in Canada, protected under PIPEDA, and used only so a licensed advisor can follow up with you. It is never sold. You can unsubscribe at any time.
Is this really free?
Yes. The review and the conversation are complimentary, with no obligation.
Will I get a price online?
Pricing depends on your needs and health — a quick call lets an advisor tailor accurate options for you rather than a generic estimate.
Review My Options
Takes under a minute. No obligation.