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What has you looking at life insurance right now?
There's no wrong answer. This just helps us understand where you're at.
Most people come to us after a life change -- a new baby, a new home, or just a quiet moment where it finally hit them. Whatever brought you here, we're glad you're taking this step.
Who are you protecting?
Think about the people who would feel your absence the most -- financially and personally.
This isn't a trick question. It's the most important one. When you picture the people who depend on you, that's exactly who we're building this coverage for.
What would you want this coverage to do?
Check all that apply -- we'll use this to calculate your needs.
There's no right or wrong answer here. Some people need income replacement. Some have a mortgage they're worried about. Many need all three. Tell us what's keeping you up at night and we'll build the right number.
Let's figure out your income number
If your paycheque stopped tomorrow, how long would your family need support?
The average is around 10 years -- but the actual lump sum needed is lower than you'd think. Because that money gets invested, we calculate the present value at a 5% return. That means your family gets every dollar they need, without over-insuring.
Self-employed? Use your average over the last 2 years
Think about how many years until your kids are independent or your partner reaches retirement
What debts would you want cleared?
Think about what would stress your family out most if the payments kept coming without your income.
You don't need exact numbers -- rough estimates are totally fine here. Your agent will help you tighten this up.
What would you want set aside for final expenses?
In Canada, a funeral typically runs $10,000 to $25,000. This makes sure your family isn't scrambling.
This is one of the most overlooked pieces -- and one of the most meaningful. It means your family's first week without you isn't also their most stressful financial week.
You're almost there
Based on everything you've shared, we've built out a personalized coverage picture for your situation.
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Your needs analysis is complete
We'll show you your estimated coverage range on the final screen, right after you verify your contact info.
This is the same information your agent will see -- it just makes more sense once your information is confirmed. No surprises, no pressure, just a clear starting point for your conversation.
A little about you
Age and smoking status are the two biggest factors in what you'll pay.
The younger and healthier you are when you lock in coverage, the lower your rate -- for life. If you've been waiting, this is exactly why it's worth doing now.
Quick health check
Having a health condition doesn't mean you can't get covered -- it just shapes what options are available.
Your agent is trained to work with a wide range of health situations. Being upfront here means they can find you real options instead of wasting your time on products you don't qualify for.
Where should we send your quote?
A licensed Canadian agent will reach out -- usually within a few hours.
Your information is never sold. It goes directly to a licensed agent in your province who will contact you personally. You're not entering a call centre queue -- you're getting a real person.
We'll text a verification code to this number
Verify your email
Enter the 6-digit code we sent to your inbox.
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Verify your phone number
Enter the 6-digit code we sent via text.
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You did it. Seriously -- well done.
A lot of people think about this for years. You just did it in 3 minutes. A licensed Canadian agent will be in touch within 24 hours.
Your starting point for the conversation
This is a flexible range, not a fixed price. It reflects your income, debts, and goals -- your agent will help you land on the right number and the most affordable way to get there.