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Key Takeaways
The best term life insurance in Canada is from PolicyMe, followed by RBC Life Insurance and Co-operators.
The best permanent life insurance in Canada belongs to Desjardins and Assumption Mutual Life.
The best life insurance for you will depend on your insurance needs, but term life insurance is generally the best choice for the average Canadian family.
One of the most important decisions to make during the life insurance buying process is picking a provider. Your choice of life insurance provider affects everything from your shopping experience and experience premiums to the terms of your coverage and extra benefits.
To help you with your choice, PolicyMe has created the ultimate comparison hub with exhaustive overviews of your life insurance coverage options, analyzing over 450,000 life insurance quotes to surface the most competitive rates and policies available in Canada.
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PolicyMe’s rankings are based on an independent, data-driven review of Canada’s best life insurance products and providers.
Our analysis combines 450,000+ quotes for 70+ Canadian life insurance products with in-depth research on 20+ providers, plus expert recommendations from our insurance advisors. Our star rating system assigns three stars for financial stability, one star for competitive pricing, a half-star for customer satisfaction, and a final half-star for ease of purchase.
Rankings are determined first by star rating and then by price. Our findings are entirely data-based and do not include paid placements, but should not be considered a substitute for personalized financial advice.
Low rates, high quality standards–that’s the PolicyMe difference.
A better question might be, “What’s the best life insurance for your financial needs?”
Term life insurance is the top choice for most Canadians because it’s simple, affordable, and covers a fixed term of 10-30 years, which matches the length of most financial obligations. If you’re shopping for life insurance to protect your family’s finances when your kids are young or until your mortgage is paid off, you likely need term coverage.
Permanent life insurance is best suited for Canadians with permanent financial obligations, like a disabled adult child. It’s also well suited for high-net-worth individuals that regularly max out their TFSA and RRSP contributions. It may include extras like cash value components, investment accounts, or participating dividends (i.e. a share of your life insurance provider’s annual profits).
Both term and permanent insurance coverage may be fully underwritten, which means it may require a medical exam, or no medical (which doesn’t). The no medical category is further divided into simplified issue life insurance (which requires a medical questionnaire and no medical exam), and guaranteed issue life insurance (which requires only basic questions and no medical exam).
Our expert recommendation: apply for fully underwritten term life insurance coverage first.
Full underwriting can yield premiums up to 10 times more affordable than either permanent or no medical coverage, which helps you maintain your policy until the end. A shocking 87% of permanent, universal life insurance plans never pay out, largely due to payment lapses caused by unexpected events–and life is full of those.
PolicyMe’s term life insurance follows our core philosophy by providing simple, cost-effective coverage with the policyholder’s benefit in mind. Using technology, we’ve streamlined the online application process so most applicants can bypass the medical exam and access affordable protection for their loved ones.
Combined with a convenient, online buying experience and a 4.9-star rating on Google, PolicyMe takes the top spot among the 5 best term life insurance policies in Canada:
Provider
Product
Rating
Average premiums*
PolicyMe
Term life insurance
★★★★★ (5.0)
$37/month
Empire Life
Solution
★★★★★ (4.5)
$37/month
RBC Life Insurance Company
RBC YourTerm
★★★★★ (4.5)
$37/month
Foresters Life Insurance
Term life insurance
★★★★☆ (4.0)
$38/month
Desjardins
Term life insurance
★★★★☆ (4.0)
$39/month
* For each product, we calculated the average monthly premiums for a female non-smoker between 30-44. The results show the approximate cost of a 10-30-year term life insurance policy with $600,000 in coverage.
Our star ratings are based on a mix of each provider's financial stability and Google Review scores, and each product's pricing and ease of purchase.
Great Customer Service
Quote Online
Buy Online
Cost 5% less
than industry average
How prices are compared
We compared each product’s yearly costs to the average cost of similar products for the same type of applicant. Unless otherwise noted, all figures show the approximate price difference for a female non-smoker aged 30-44 shopping for a term life insurance policy with $600,000 in coverage, or a permanent or no medical life insurance policy with $50,000 in coverage.
PolicyMe offers one of the most affordable term life insurance policies in Canada, with rates as low as 23% below the industry average. Our streamlined application process delivers cost-effective coverage backed by Securian Canada, which has been rated "A" or higher by A.M. Best for over 75 years.
Pros
$100,000 - $5 million in coverage available for 10-30 years
$10,000 of complimentary coverage per child with every policy
31-Day missed payment grace period
30-Day trial period
10% First-year couple's discount
Below-average rates for applicants under the age of 60
Buy online or over the phone
Convertible
High Google review scores
Pay by credit card
Renewable
Cons
Not well-suited for high-net-worth individuals looking for an estate planning tax strategy
Term life insurance
Term: 10-30 years
Coverage: $100,000 - $5 million
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Term 100 life insurance
Term: Lifetime
Coverage: $10,000 - $5 million
Plus health and dental insurance and critical illness insurance
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Guaranteed Issue Life Insurance
Term: Lifetime
Coverage: $5,000 - $100,000 for ages 18-70, or $50,000 for ages 70+
Solution 10, 20, or 30 by Empire Life
Best term life insurance - #2
Empire Life
(4.5)
How products are rated
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
Great Customer Service
Cost 7% less
than industry average
How prices are compared
We compared each product’s yearly costs to the average cost of similar products for the same type of applicant. Unless otherwise noted, all figures show the approximate price difference for a female non-smoker aged 30-44 shopping for a term life insurance policy with $600,000 in coverage, or a permanent or no medical life insurance policy with $50,000 in coverage.
The Solution term life insurance series lasts between 10-30 years, with the option to convert to term 100, universal or whole life insurance before the age of 75. Empire Life carries a 4.2-star rating on Google and an "A" from Morningstar DBRS, making it a smart and budget-conscious pick for all ages.
Pros
$25,000 - $20 million in coverage available for 10-30 years
6 Available riders
Below average rates for all ages and smokers
Convertible until age 75
Exchangeable for a longer term
High Google review scores
Renewed policies are fully paid-up at age 100
Cons
Phone call may be required to quote and purchase
Solution 10-30
Coverage: $25,000 - $20 million
Term: 10-30 years
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Solution ART
Coverage: $25,000 - $499,999
Term: 3 years
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EstateMax
Coverage: $10,000+
Term: Lifetime
Features: Participating dividends
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Optimax
Coverage: $5,000+
Term: Lifetime
Features: Participating dividends
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Solution 100
Coverage: $10,000 - $10 million
Term: Lifetime
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Term to 100
Coverage: $10,000 - $20 million
Term: Lifetime
RBC YourTerm by RBC Life Insurance
Best term life insurance - #3
RBC Life Insurance
(4.5)
How products are rated
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
Quote Online
Buy Online
Cost 6% less
than industry average
How prices are compared
We compared each product’s yearly costs to the average cost of similar products for the same type of applicant. Unless otherwise noted, all figures show the approximate price difference for a female non-smoker aged 30-44 shopping for a term life insurance policy with $600,000 in coverage, or a permanent or no medical life insurance policy with $50,000 in coverage.
As long as you're looking for $500,000 or more in coverage, RBC YourTerm life insurance is competitively priced and offers a variety of conversion options. If your health changes before your term expires, you can choose between participating and non-participating permanent life insurance products without the need for a medical exam.
RBC Life Insurance carries an "A" rating for financial stability from A.M. Best.
Pros
$100,000 - $25 million in coverage available for 10-40 years
31-Day missed payment grace period
30-Day risk-free review period
4 Available riders
Adjustable coverage
Choice of single or joint life coverage
Convertible until age 71
Exchangeable for a longer term
Includes accidental death benefit
Cons
Above-average rates for policies with $200,000 or less in coverage
Above-average rates for smokers
RBC YourTerm
Coverage: $100,000 - $25 million
Term: 10-40 years
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RBC Growth Insurance and Growth Insurance Plus
Coverage: $25,000 - $25 million
Term: Lifetime
Features: Participating dividends
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RBC Guaranteed Acceptance Life Insurance
Coverage: $5,000 - $40,000
Term: Lifetime
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RBC Simplified Term Life Insurance
Coverage: $50,000 - $1 million
Term: 10-40 years
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RBC Universal Life and Universal Life with Bonus Interest
Coverage: $25,000 - $25 million
Term: Lifetime
Features: Investment account
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Term 100 Life Insurance
Coverage: $50,000+
Term: Lifetime
Term life insurance by Foresters Life Insurance
Best term life insurance - #4
Foresters Life Insurance
(4.0)
How products are rated
Our star ratings are based on a mix of each provider's financial stability and Google Review scores, and each product's pricing and ease of purchase.
Quote Online
Cost 5% less
than industry average
How prices are compared
We compared each product’s yearly costs to the average cost of similar products for the same type of applicant. Unless otherwise noted, all figures show the approximate price difference for a female non-smoker aged 30-44 shopping for a term life insurance policy with $600,000 in coverage, or a permanent or no medical life insurance policy with $50,000 in coverage.
Foresters Financial's Term Life Insurance rates aren't particularly competitive, but each policy includes up to $1,000 in bereavement counselling and a unique charitable benefit. If you pass away, Foresters will make a donation matching 1% of your policy's face amount (up to $100,000) to the charity of your choice.
Pros
$10,000 - $5 million in coverage available for 10-30 years
6 Available riders
Choice of single or joint life coverage
Convertible until before age 71
Exchangeable for a longer term
Includes bereavement counselling for beneficiaries (up to $1,000 combined) and a donation to the charity of your choice
Cons
Low maximum issue age
Phone call may be required to quote and purchase
Term Life Insurance
Coverage: $50,000 - $5 million
Term: 10 - 30 years
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Advantage Max
Coverage: $50,000 - $20 million
Term: Lifetime
Features: Participating dividends
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Advantage Plus
Coverage: $25,000+
Term: Lifetime
Features: Participating dividents
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Non-Par Whole Life
Coverage: $50,000 - $5 million
Term: Lifetime
Term life insurance by Desjardins
Best term life insurance - #5
Desjardins
(4.0)
How products are rated
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
Great Customer Service
Quote Online
Cost 2% less
than industry average
How prices are compared
We compared each product’s yearly costs to the average cost of similar products for the same type of applicant. Unless otherwise noted, all figures show the approximate price difference for a female non-smoker aged 30-44 shopping for a term life insurance policy with $600,000 in coverage, or a permanent or no medical life insurance policy with $50,000 in coverage.
Desjardins has plenty to recommend it, including a decent product selection, positive customer reviews, and an "A+" financial stability grade from Standard & Poor's. Its Term Life Insurance rates are particularly competitive for seniors, but to get in-person service, you have to live in Ontario or Quebec.
Pros
$50,000 - $20 million in coverage available for 10-30 years
8 Available riders
Adjustable coverage
Bundling discount
Convertible until age 70
High Google review scores
Renewable until age 85
Cons
Concentrated in Ontario and Quebec
Low maximum issue age
Phone call may be required for quote or purchase
Term Life Insurance
Coverage: $50,000 - $20 million
Term: 10 - 30 years
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Life Insurance Over 50
Coverage: $5,000 - $20,000
Term: Lifetime
Features: No medical
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Term to 100
Term: Lifetime
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Universal Life Insurance
Term: Lifetime
Features: Investment options
Whole Life Guaranteed
Term: Up to age 100
Features: Participating dividends
* We compared each product's yearly costs to the average cost of similar products for the same type of applicant. This figure shows the approximate price difference for a female non-smoker between 30-44 shopping for a 10-30-year term life insurance policy with $600,000 in coverage.
Best permanent life insurance in Canada
“Permanent life insurance” is a catch-all for three types of products: term 100, universal, and whole life insurance. All three are permanent because as long as you keep paying, your coverage never expires—though you’ll find much lower premiums with term coverage.
Price is a key consideration for permanent policies because you have to make payments for the rest of your life. If you miss even one, your policy will lapse and you’ll lose all the value you’ve built so far, including any cash values, investments and dividends (unless they were deposited in a separate account).
Expert recommendation: When to choose term over permanent
We don’t typically recommend permanent life insurance for most people, as the higher cost can be tough to maintain over time (and these policies are built to last a lifetime).
That said, permanent life insurance can make sense for higher-income individuals who have already maxed out registered accounts like RRSPs and TFSAs and are looking for long-term financial planning tools. For many others, though, paying higher premiums for a policy with modest investment growth and limited flexibility may not be the best fit. Instead, a more practical approach is often to buy term life insurance and invest the difference.
Best term 100 life insurance in Canada
In our opinion, the best permanent life insurance follows our term life philosophy: simple, straightforward, and budget-friendly. Our top recommended product is therefore term-to-100 life insurance, so-called because your premiums continue until you turn 100 (although coverage extends to the rest of your life).
Term 100 life insurance is usually the most affordable type of permanent life insurance because it doesn’t include cash values, investment accounts, participating dividends and other extras. The 3 best T100 life insurance policies in Canada are nearly affordable as term life insurance:
Provider
Product
Rating
Average premiums*
Empire Life
Term to 100
★★★★★ (4.5)
$52/month
PolicyMe
Term 100
★★★★☆ (4.0)
$52/month
Beneva
Term 100
★★★★☆ (3.5)
$54/month
* For each product, we display the approximate monthly cost for a 60-year-old female non-smoker seeking a term 100 life insurance policy with $25,000 in coverage.
Term to 100 by Empire Life
Best term 100 life insurance - #1
Empire Life
(4.5)
How products are rated
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
Great Customer Service
Great for Seniors
Costs 5% less
than industry average
How prices are compared
We compared each product’s yearly costs to the average cost of similar products for the same type of applicant. Unless otherwise noted, all figures show the approximate price difference for a female non-smoker aged 30-44 shopping for a term life insurance policy with $500,000 in coverage, or a permanent or no medical life insurance policy with $50,000 in coverage.
Empire Life is an established name in the Canadian insurance industry, and with a 4.2-star rating on Google and an "A" from Morningstar DBRS, it has every reason to continue. Its Term to 100 plan offers a great deal to non-smokers of all ages and smokers under the age of 45. As with other T100 products, there are few frills attached, but you can customize your policy with 13 riders.
Pros
$10,000 - $20 million in lifetime coverage available
13 available riders
Below-average rates for applicants between the ages of 18-44
Choice of paying until age 20 or age 100
Choice of single, joint or multi-life coverage
Includes Living Benefit Advance
Option to stop premiums in return for reduced coverage starting in year 8
Cons
Above-average rates for smokers over the age of 45
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
Great Customer Service
Quote Online
Buy Online
Costs 4% less
than industry average
How prices are compared
We compared each product’s yearly costs to the average cost of similar products for the same type of applicant. Unless otherwise noted, all figures show the approximate price difference for a female non-smoker aged 30-44 shopping for a term life insurance policy with $500,000 in coverage, or a permanent or no medical life insurance policy with $50,000 in coverage.
PolicyMe's Term 100 life insurance is cost-effective, straightforward, and easy to budget. The drawback is a lack of cash value; if you'd rather treat your life insurance policy as an investment vehicle, you may prefer a universal or whole life policy.
Pros
$10,000 - $5 million in lifetime coverage available
$10,000 of complimentary coverage per child with every policy
31-Day missed payment grace period
30-Day trial period
10% First-year discount for couples
Below-average rates for all ages and smokers
Buy online or over the phone
High Google review scores
Pay by credit card
Cons
Not well-suited for high-net-worth individuals looking for an estate planning tax strategy
Term Life Insurance
Term: 10-30 years
Coverage: $100,000 - $5 million
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Term 100 Life Insurance
Term: Lifetime
Coverage: $10,000 - $5 million
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Guaranteed Issue Life Insurance
Term: Lifetime coverage
Coverage: $5,000 - $100,000
Features: No medical exam required
Term 100 by Beneva
Best term 100 life insurance - #3
Beneva
(3.5)
How products are rated
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
Great Customer Service
Costs 0% less
than industry average
How prices are compared
We compared each product’s yearly costs to the average cost of similar products for the same type of applicant. Unless otherwise noted, all figures show the approximate price difference for a female non-smoker aged 30-44 shopping for a term life insurance policy with $500,000 in coverage, or a permanent or no medical life insurance policy with $50,000 in coverage.
A merger between La Capitale and SSQ Insurance in 2023 produced Beneva, and going by the company's Google rating, it was the right move for customers. Its Term 100 plan charges some of the lowest premiums in Canada. If only it was easier to quote and buy online!
Pros
$10,000 - $10 million in lifetime coverage available
7 available riders
High Google review scores
Cons
Above-average rates for all ages and smokers
Phone call may be required to quote and purchase
Term Plus
Term: 10-40 years
Coverage: $10,000 - $5 million
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Term Simplified
Term: 10-40 years
Coverage: $10,000 - $5 million
Features: No medical exam required
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Term 100
Term: Lifetime coverage
Coverage: $10,000 - $10 million
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Enhanced Term 100
Term: Lifetime coverage
Coverage: $10,000 - $10 million
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Universal Life Insurance
Term: Lifetime coverage
Coverage: $10,000 - $10 million
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Simplified Whole Life
Term: Lifetime coverage
Coverage: $10,000 - $99,999
Features: No medical exam required
* We compared each product's yearly costs to the average cost of similar products for the same type of applicant. This figure shows the approximate price difference for a 60-year-old female non-smoker shopping for a term 100 life insurance policy with $25,000 in coverage.
Affordability, simplicity, reliability. Trust a provider who knows what’s important.
Because life insurance is generally tax-free, a whole life insurance policy with participating dividends or an investment account can help you leave more wealth to your loved ones. But unless you’ve already maxed out your RRSP and TFSA, you’ll enjoy more growth with traditional financial instruments.
If you want life insurance with extra benefits, our top 3 recommendations offer straightforward, lifelong protection:
Provider
Product
Rating
Average premiums*
Beneva
Enhanced Term 100
★★★★★ (4.5)
$56/month
Empire Life
Solution 100
★★★★☆ (3.5)
$59/month
Assumption Life
ParPlus (Life Pay Enhanced)
★★★★☆ (3.5)
$60/month
* For each product, we display the approximate monthly cost for a 60-year-old female non-smoker seeking a whole life insurance policy with $25,000 in coverage.
Enhanced Term 100 by Beneva
Best whole life insurance - #1
Beneva
(4.5)
Great Customer Service
Great for Seniors
Costs 6% less
than industry average*
Enhanced Term 100 charges below-average rates, but beyond that, we can't say much. There are few details on Beneva's website and it's unclear whether this whole life policy includes an investment component or not.
However, we can report that Beneva has largely positive customer reviews on Google and an "A" for financial stability from A.M. Best.
Pros
$10,000 - $10 million in lifetime coverage available
7 Available riders
Cons
Below-average rates for all ages and smokers
Must call for basic product details
Phone call may be required to quote and purchase
Term Plus
Term: 10-40 years
Coverage: $10,000 - $5 million
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Term Simplified
Term: 10-40 years
Coverage: $10,000 - $5 million
Features: No medical exam
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Term 100
Term: Lifetime coverage
Coverage: $10,000 - $10 million
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Enhanced Term 100
Term: Lifetime coverage
Coverage: $10,000 - $10 million
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Universal Life Insurance
Term: Lifetime coverage
Coverage: $10,000 - $10 million
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Simplified Whole Life
Term: Lifetime coverage
Coverage: $10,000 - $99,999
Features: No medical exam
Solution 100 by Empire Life
Best whole life insurance - #2
Empire Life
(3.5)
Great Customer Service
Costs 0% less
than industry average*
Solution 100 is a non-participating whole life insurance product from Empire Life. Despite the lack of dividends, it still costs more than term life insurance, and your only advantage is a guaranteed cash surrender value starting in year four. The problem with cash surrender values is you have to wait a long time to see substantial value.
Pros
$10,000 - $20 million in lifetime coverage available
$50 Annual policy fee
11 Available riders
Below-average rates for applicants between the ages of 18-29
Choice of reduced coverage starting in year 4
Choice of single, joint or multi-life coverage
Guaranteed cash surrender value starting in year 4
Cons
Above-average rates for most ages and smokers
Solution 10-30
Term: 10-30 years
Coverage: $25,000 - $20 million
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Solution ART
Term: 3 years
Coverage: $25,000 - $499,999
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EstateMax
Term: Lifetime coverage
Coverage: $10,000+
Features: Participating dividends
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Optimax
Term: Lifetime coverage
Coverage: $5,000+
Features: Participating dividends
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Solution 100
Term: Lifetime coverage
Coverage: $25,000 - $20 million
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Term to 100
Term: Lifetime coverage
Coverage: $25,000 - $20 million
Par Plus by Assumption Life
Best whole life insurance - #3
Assumption Life
(3.5)
Great Customer Service
Costs 0% more
than industry average*
The price of ParPlus by Assumption Life starts at 17% below the industry average and maintains its competitive streak until applicants reach the age of 44. At that point, older adults and seniors are better off seeking a non-participating permanent life insurance product to save on premiums.
However, its pricing remains below-average for smokers of any age.
Pros
$5,000 - $4 million in lifetime coverage available
7 Available riders
Choice of paying for 20 years or until age 100
Choice to receive dividends as accumulation, cash, enhanced, paid-up additions or reduced premiums
Choice of individual or joint life coverage
Includes the ability to vote at annual general meetings
Cons
$80 Annual policy fee
Above-average rates for older applicants and seniors
Phone call may be required to quote and purchase
FlexTerm
Term: 10-35 years
Coverage: $100,000 - $10 million
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YouthPlus
Term: Until age 25
Coverage: $35,000 - $175,000
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Non-Participating Whole Life
Term: Lifetime coverage
Coverage: $10,000 - $10 million
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ParPlus and ParPlus Junior
Term: Lifetime coverage
Coverage: $5,000 - $4 million
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Bronze, Silver, Gold and Platinum Protection Whole Life
Term: Lifetime coverage
Coverage: $5,000 - $750,000
* We compared each product's yearly costs to the average cost of similar products for the same type of applicant. This figure shows the approximate price difference for a 60-year-old female non-smoker shopping for a whole life insurance policy with $25,000 in coverage.
Best universal life insurance in Canada
Universal life insurance is permanent coverage that typically includes a self-directed investment account. These investments can reduce your premiums, pay for extra coverage or even add to the tax-free insurance lump-sum payout for your beneficiaries.
However, because it’s attached to your life insurance policy, you can’t close it, transfer your funds, or even withdraw from it as easily as a traditional account. Plus, if you miss even a single premium payment, you’ll lose all your accumulated value and put your financial future at risk.
The top 3 universal life insurance products in Canada manage to keep premiums low for people who like to keep an active hand on their investments:
Provider
Product
Rating
Average premiums*
Beneva
Universal Life
★★★★☆ (3.5)
$54/month
Equitable Life
Generations Term 100
★★★☆☆ (3.0)
$52/month
Canada Life
Universal Life
★★★☆☆ (3.0)
$53/month
* For each product, we display the approximate monthly cost for a 60-year-old female non-smoker seeking a universal life insurance policy with $25,000 in coverage.
Universal Life by Desjardins
Best universal life insurance - #1
Beneva
(3.5)
Great Customer Service
Costs 1% more
than industry average*
Beneva's Universal Life is a non-participating product with few extras and no online quotes or purchases. The company has a 4.6-star Google rating and an "A" from A.M. Best to recommend it, but there are more cost-effective and convenient products out there.
Pros
$10,000 - $10 million in lifetime coverage available
5 Available riders
Cons
Above-average rates for all ages and smokers
Phone call may be required to quote and purchase
Term Plus
Term: 10-40 years
Coverage: $10,000 - $5 million
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Term Simplified
Term: 10-40 years
Coverage: $10,000 - $5 million
Features: No medical exam required
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Term 100
Term: Lifetime coverage
Coverage: $10,000 - $10 million
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Enhanced Term 100
Term: Lifetime coverage
Coverage: $10,000 - $10 million
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Universal Life Insurance
Term: Lifetime coverage
Coverage: $10,000 - $10 million
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Simplified Whole Life
Term: Lifetime coverage
Coverage: $10,000 - $99,999
Features: No medical exam required
Generations by Equitable Life
Best universal life insurance - #2
Equitable Life
(3.0)
Costs 4% less
than industry average*
Generations by Equitable Life offers hands-on customers plenty of choice, including life insurance riders, investment options, and how to spend their dividends. Said benefits carry a competitive price tag, and the company holds an A from A.M. Best as well as an A+ from the Better Business Bureau.
Pros
$25,000 - $5 million+ in lifetime coverage available
6 Available riders
Adjustable coverage
Choice of daily interest, guaranteed deposit, or linked interest investment accounts
Includes advance payment, bereavement counselling, living benefit, and terminal illness benefit
Choice of paying increasing rates for yearly renewable terms, or level premiums until age 100
Choice of single or joint coverage
Guaranteed monthly investment bonus
Option to stop premiums in return for reduced coverage
Cons
Complex
Phone call may be required to quote and purchase
Requires time to manage coverage, dividends, and investments
Term Life Insurance
Term: 10-30 years, or until age 65
Coverage: $10,000 - $5 million
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Equimax Estate Builder and Wealth Accumulator
Term: Lifetime coverage
Coverage: $10,000 - $25 million
Features: Participating dividends
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Universal Life Insurance
Term: Lifetime coverage
Features: Investment account
Universal Life by Canada Life
Best universal life insurance - #3
Canada Life
(3.0)
How products are rated
Our star ratings are based on a mix of each provider's financial stability and Google
Review scores, and each product's pricing and ease of purchase.
Costs 1% less
than industry average
How prices are compared
We compared each product’s yearly costs to the average cost of similar products for the same type of applicant. Unless otherwise noted, all figures show the approximate price difference for a female non-smoker aged 30-44 shopping for a term life insurance policy with $500,000 in coverage, or a permanent or no medical life insurance policy with $50,000 in coverage.
Canada Life's Universal Life insurance policy offers fairly competitive rates and a few
choices of how to invest your funds. But unlike a traditional investment account, you
can't transfer your funds should you change your mind, and you'll lose all your
accumulated wealth if you can't pay your premiums.
For these reasons, we recommend keeping your coverage and your investments separate
unless you're confident you can keep up with your premium payments for the rest of your
life.
Pros
$25,000 - $10 million in lifetime coverage available
7 Available riders
Adjustable coverage
Choice of daily interest, guaranteed interest, index, managed and Stable Growth
Account investment accounts
Choice of Level or Coverage Plus death benefit
Choice of level or increasing premiums to age 85 or 100
Choice of single or joint life coverage
Make partial withdrawals at any time
Cons
Above-average or close-to-average rates for most ages and smokers
Phone call may be required to quote and purchase
My Term
Term: 5-50 years
Coverage: $100,000 - $25 million
Universal Life
Term: Lifetime
Coverage: $25,000 - $10 million
* We compared each product's yearly costs to the average cost of similar products for the same type of applicant. This figure shows the approximate price difference for a 60-year-old female non-smoker shopping for a universal life insurance policy with $25,000 in coverage.
Best no medical life insurance in Canada
No medical life insurance covers policies that don’t require a life insurance medical exam. There are two kinds available:
Simplified issue life insurance requires a health questionnaire but no medical exam, and is available for term and permanent policies. Applicants are sorted into broad age, gender, health, and lifestyle categories that determine their premiums, and some products have stricter requirements than others.
Guaranteed issue life insurance asks only basic health and personal questions, requires no medical exam, and is available only for permanent policies. Applicants are sorted into broad age and gender categories, and because life insurance providers assume you're in poor health, you'll be charged fairly high premiums.
Unless you’ve already been declined, it’s recommended to apply for a fully underwritten life insurance policy first. It can yield big savings, and even if you’re rejected, it won’t affect your chances of qualifying for a no medical policy later.
Most of PolicyMe’s customers don’t need a medical exam. It only takes 20 minutes to see if you qualify for instant approval.
* For each product, we calculated the average monthly premiums for a female non-smoker between 30-44. The results show the approximate cost of a 10-year no medical term life insurance policy with $50,000 of coverage.
** For each product, we display the approximate monthly cost for a 60-year-old female non-smoker seeking a no medical permanent life insurance policy with $25,000 in coverage.
Term Simplified by Beneva
Best no medical 10-year term life insurance - #1
Beneva
(4.5)
Great Customer Service
Costs 13% less
than industry average*
Whether you compare it to fully underwritten term life insurance or other no medical products, Term Simplified carries an extremely competitive price tag.
Despite Beneva's high Google rating and "A" financial stability grade from A.M. Best, we have two reservations: 1) you can't get a quote (or even basic product details) online and 2) there seems to be very little coverage available.
Pros
$10,000+ in coverage available for 10-40 years
6 Available riders
Below-average rates for all ages
Choice of fixed or decreasing coverage
High Google review scores
Cons
Phone call may be required to quote and purchase
Term Plus
Term: 10-40 years
Coverage: $10,000 - $5 million
[spacer]
Term Simplified
Term: 10-40 years
Coverage: $10,000 - $5 million
Features: No medical exam required
[spacer]
Term 100
Term: Lifetime coverage
Coverage: $10,000 - $10 million
[spacer]
Enhanced Term 100
Term: Lifetime coverage
Coverage: $10,000 - $10 million
[spacer]
Universal Life Insurance
Term: Lifetime coverage
Coverage: $10,000 - $10 million
[spacer]
Simplified Whole Life
Term: Lifetime coverage
Coverage: $10,000 - $99,999
Features: No medical exam required
Term Superior+ Express/Immediate by UV Insurance
Best no medical 10-year term life insurance - #2
UV Insurance
(4.0)
Costs 5% less
than industry average*
Term Superior+ Express and Immediate are simplified term life insurance products. Despite allowing applicants to skip the medical exam, UV Insurance charges very favorable rates.
The catch? You'll have to make do with $250,000 or less in coverage.
Pros
$10,000 - $499,999 in coverage available for 10-30 years
6 Available riders
Choice of individual or joint life coverage
Convertible until age 70
Exchangeable for a longer term
Includes benefit for severe loss of independent existence
Renew indefinitely
Cons
Above-average rates for all ages and smokers
Low Google review scores
Low maximum issue age
Unrated by A.M. Best or other credit rating agencies
Term Superior+ Express
Term: 10-30 years
Coverage: $10,000 - $150,000
Features: No medical exam required
[spacer]
Term Superior+ Immediate
Term: 10-30 years
Coverage: $150,001 - $499,999
Features: No medical exam required
[spacer]
Term Superior+ Regular
Term: 10-30 years
Coverage: $250,001+
[spacer]
Whole Life Express
Term: Lifetime coverage
Coverage: $10,000 - $150,000
Features: No medical exam required
[spacer]
Whole Life Regular
Term: Lifetime coverage
Coverage: $150,001+
Features: No medical exam required
* We compared each product's yearly costs to the average cost of similar products for the same type of applicant. This figure shows the approximate price difference for a female non-smoker between 30-44 shopping for a 10-year no medical term life insurance policy with $50,000 in coverage.
Access Life L100 Immediate Plus by Industrial Alliance
Best no medical permanent life insurance - #2
Industrial Alliance
(4.5)
Great Customer Service
Great for Seniors
Costs 5% less
than industry average**
Access Life is divided into four coverage steps which determine premiums and maximum face amounts. Immediate Plus is the highest tier; as long as you're in fairly good health and have no signs of AIDS, HIV, cirrhosis of the liver, hepatitis C or kidney failure, you'll be eligible for the best rates and most coverage.
Pros
$10,000 - $500,000 in lifetime coverage available
$60 Annual policy fee
Guaranteed cash surrender value starting in year 5
No medical exam
Option to stop premiums in return for reduced coverage starting in year 8
Premiums payable until age 100
Cons
Above-average rates for all ages and smokers
Limited coverage available
Phone call may be required to quote and purchase
Access Life Insurance
Term: 15-25 years or until age 100
Coverage: $10,000 - $500,000
[spacer]
Pick-A-Term
Term: 10-40 years
Coverage: $10,000 - $10 million
[spacer]
Genesis 10 Life Pay
Term: Lifetime coverage
Coverage: $100,000 - $10 million
Features: Investment options
[spacer]
iA PAR Estate Solution or Wealth Solution
Term: Lifetime coverage
Features: Participating dividends
Simply Immediate Life by ivari
Best no medical permanent life insurance - #3
ivari
(4.0)
Great for Seniors
Costs 7% less
than industry average**
ivari's Simply Simplified Life Insurance comes in three tiers, none of which require a medical exam. Immediate is the least expensive and most feature-rich of the three; if you're in fairly good health, you'll qualify for lower insurance rates and several handy benefits.
Pros
$10,000 - $500,000 in lifetime coverage available
Choice to stop paying premiums in exchange for reduced coverage after year 8
Guaranteed cash surrender value starting in year 5
No medical exam
Includes access to Maple virtual healthcare and transportation benefit
Return of premiums plus 3% simple interest within the first 2 years
Cons
Limited coverage available
Phone call may be required to quote and purchase
TERMSelect
Term: 10-30 years
Coverage: $50,000 - $10 million
[spacer]
Simply Guaranteed Life
Term: Lifetime coverage
Coverage: $10,000 - $25,000
Features: No medical exam required
[spacer]
Simply Simplified Life
Term: Lifetime coverage
Coverage: $10,000 - $500,000
Features: No medical exam required
[spacer]
ivari Universal
Term: Lifetime coverage
Coverage: $25,000 - $20 million
Features: Investment options
** We compared each product's yearly costs to the average cost of similar products for the same type of applicant. This figure shows the approximate price difference for a 60-year-old female non-smoker shopping for a no medical permanent life insurance policy with $25,000 in coverage.
Best guaranteed issue life insurance in Canada
Guaranteed issue life insurance has no medical exam and only asks basic health questions, making it the most accessible coverage for people with pre-existing medical conditions. The only type of guaranteed issue life insurance available is permanent.
Competitive premiums, reliable coverage, and no medical questions or exams. PolicyMe is trusted by 30,000 Canadians and counting.
* For each product, we display the approximate monthly cost for a 60-year-old female non-smoker seeking a permanent life insurance policy with $25,000 in coverage.
Our star ratings are based on a mix of each provider's financial stability and Google Review scores, and each product's pricing and ease of purchase.
Great Customer Service
Quote Online
Buy Online
Costs 3% less
than industry average*
How prices are compared
We compared each product's yearly costs to the average cost of similar products for the same type of applicant. Unless otherwise noted, all figures show the approximate price difference for a female non-smoker aged 30-44 shopping for a term life insurance policy with $600,000 in coverage, or a permanent or no medical life insurance policy with $50,000 in coverage.
Backed by Securian Canada and an A+ rating from A.M. Best, PolicyMe combines over 65 years of reliability with a customer-first approach. Guaranteed Issue Life Insurance makes it easy to budget for your family’s financial protection online or over the phone, and your premiums stay locked and level from the moment you get a quote.
Pros
$5,000 - $100,000 in lifetime coverage available
31-Day missed payment grace period
30-Day trial period
Buy online or over the phone
High Google review scores
No medical exam
Pay by credit card
Cons
Not well-suited for high-net-worth individuals looking for an estate planning tax strategy
* We compared each product's yearly costs to the average cost of similar products for the same type of applicant. This figure shows the approximate price difference for a 60-year-old female non-smoker shopping for a guaranteed permanent life insurance policy with $25,000 in coverage.
Methodology: best life insurance in Canada
About the data
PolicyMe’s rankings are based on an independent, data-driven review of Canada’s best life insurance products and providers. Our analysis combines 450,000+ quotes for 70+ policies and 20+ insurers, drawing on trusted sources such as COMPULIFE, WinQuote and official provider websites, supplemented by ratings from Google.PolicyMe’s rankings are based on an independent, data-driven review of Canada’s best life insurance products and providers. Our analysis combines 450,000+ quotes for 95+ policies and 25+ insurers, drawing on trusted sources such as COMPULIFE, WinQuote and official provider websites, supplemented by ratings from Google.
About star ratings
Each product received a star rating out of five based on pricing, customer satisfaction and ease of purchase, customized by age group, sex at birth, and smoking status. We awarded three stars to every provider with insolvency protection from Assuris and a financial stability rating of “A-” or higher from a respected credit rating agency such as A.M. Best.
Products with an average price at least 5% below the industry average received one extra star for affordability, while providers with a Google Reviews score of 4.0 or higher earned an extra half-star for customer satisfaction. Finally, products offering convenient online quoting options earned another half-star for accessibility.
About the categories
Our “Best Of” categories use criteria reflecting the most popular types of coverage and buyer needs. Most term life insurance categories compare the average price of a 10-30-year policy with $600,000 in coverage for non-smoking women between the ages of 30-44. The “best of” categories for smokers and seniors compare policies for smoking women and 60-year-old non-smoking women, respectively.
Most senior customers purchase a smaller amount of permanent and no medical coverage because it’s expensive, and they require coverage for end-of-life expenses rather than debt or income replacement. We therefore capped coverage for the best no medical term life insurance category at $50,000, and coverage for all the best permanent life insurance categories at $25,000.
About rankings
The rankings within each category are determined first by star rating and then by average monthly premiums by age group, sex at birth and smoking status.
About pricing comparisons
To ensure fairness and accuracy, we made all pricing comparisons between products of the same type, with the same coverage amount, and for the same combination of age group, sex at birth and smoking status. The rates listed in this article are based on publicly available rates as of June 2026.
For example, the cost of a 10-year term policy for non-smoking women aged 18-29 with $400,000 in coverage is always compared to the industry average for all 10-year term policies for the same demographic segment and with the same amount of coverage.
Similarly, the average cost of a fully underwritten permanent life insurance policy for non-smoking women aged 30-44 with $75,000 in coverage is always compared to the industry average for all fully underwritten permanent policies for the same demographic segment and with the same amount of coverage.
Disclaimer
PolicyMe’s findings use unaltered data and are free from paid placements or sponsored influence. While we strive to keep our information up-to-date, we cannot guarantee the validity of third-party data. These results are intended as a helpful reference and not as a substitute for personalized financial advice.
How to choose the best life insurance policy for you
Life insurance works best when it’s tailored to your needs. To find a policy that works for your peace of mind, first:
Considerterm vs permanent. If your financial obligations will end or change in a decade or two, term life insurance is likely your best option. If you’re planning for end-of-life or estate planning expenses, permanent life insurance may suit you better.
Calculate how much life insurance you need. Rather than simply multiplying your income, sit down and think about your dependents, what you want to cover and how much it will cost. Subtract any coverage already provided by your group benefits. A life insurance calculator can help.
Choose your term lengthor permanent life insurance options. Think about how long your financial obligations will last and set your term accordingly. Consider your budget carefully to see if you can support the extra cost of a cash value, investment account or participating option.
Compare permanent and term life insurance quotes. The best way to find a deal is to compare prices from multiple insurers or ask an insurance broker to do it for you.
Don’t forget to research life insurance providers! PolicyMe’s life insurance reviews examine the cost, customer service, and product selection of Equitable Life, Sun Life, Scotiabank, and more. Now might also be a good time to consider other types of insurance, like disability insurance and critical illness insurance, and many providers offer discounts for bundling.
FAQ: Best life insurance in Canada
On the basis of affordability, customer satisfaction, and convenience, PolicyMe is the best life insurance provider in Canada. Its cost-effective coverage is designed to make it easy for Canadian families to secure financial protection.
The cost of life insurance in Canada depends on your age, sex at birth, and health, as well as the type of policy and amount of coverage you choose. Monthly insurance premiums can be as low as $4/month for an 18-year-old female non-smoker, or as high as $800+/month for a 60-year-old male smoker.
Cost should be your primary consideration when shopping for life insurance, because if you can’t pay your premiums, you can’t maintain coverage. Beyond that, it makes sense to look for a company with good customer service so you and your loved ones can get timely, reliable help.
Assuming you’re a non-smoker in good health, a life insurance policy with $500,000 in coverage starts around $185/month for a 60-year-old man. A fully-underwritten, 10-year term life insurance policy is the cheapest choice; choosing permanent coverage will raise your premiums to a minimum of $876/month.
Fully-underwritten term life insurance is the easiest, most affordable, and most flexible type of coverage you can buy. It provides more coverage for your dollar and lasts as long as you need it to, so you don’t end up under or over-insured.
To calculate how much life insurance coverage you need, add up the cost of everything you want your insurance payout to achieve (whether it’s paying off your mortgage, supporting a spouse, or putting your kids through school) and subtract your savings, assets, and any coverage you already have. It’s better to make precise calculations rather than simply multiplying your income or using a rule of thumb, because the latter can leave you under or over-insured.
Jasmine Kanter
Jasmine specializes in converting complex insurance data into actionable guidance. Her background includes auto, life, and health insurance and financial planning. Lately, she’s leveraging AI to extract insights from the numbers and help Canadians make better decisions.
Jasmine specializes in converting complex insurance data into actionable guidance. Her background includes auto, life, and health insurance and financial planning. Lately, she’s leveraging AI to extract insights from the numbers and help Canadians make better decisions.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
Average premiums
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Term
All terms
PolicyMe
How products are rated
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(5.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(5.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(5.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(4.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.0)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
Our star ratings are based on a mix of each provider’s financial stability and Google Review scores, and each product’s pricing and ease of purchase.
(3.5)
How premiums are calculated
For each product, we calculated the average monthly premiums for a female non-smoker aged 30-44. The results show the approximate cost of a 10-30 year term life insurance policy with $500,000 in coverage, or a permanent life insurance policy with $50,000 in coverage.
