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Life insurance for Ontario
Life insurance.
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Sample rates by age: 20 · 30 · 40 · 50 · 60 · term life calculator
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Habib Ur Rehman Bhatti is a licensed Ontario life insurance advisor. When you’re ready, he can help you understand your options and the application process.
Prefer to watch first? The 60-second video explains why the same coverage can cost different amounts from different insurers.
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Ontario life insurance guides
How much does term life insurance cost per month in Ontario?
It depends on your age, sex, smoking status, coverage and term. In our extract, the lowest shown Ontario sample premiums for a 25-year-old non-smoker buying $500,000 of 20-year term were about $20 a month for a female profile and about $29 for a male profile — and about $70 a month for the same coverage at 45. These are sample rates, subject to underwriting.
What's the difference between Term 10, 20, 25 and 30?
The number is how long your premium stays level. Term 10 usually starts at the lowest shown sample but has the steepest renewal increase; Term 20 matches the typical mortgage-and-family window; Term 30 locks a rate past retirement for young buyers. Match the term to the years you need the coverage — the tables under each term show real numbers.
Can I see rates without sharing my phone number?
Yes. See your lowest shown sample price without contact details. To unlock available insurer names and prices, share your name, email and phone number and agree that a licensed Ontario advisor may call about your quote. Sample rates are subject to underwriting.
Are these final insurance quotes?
These are sample monthly premiums from insurer advisor portals. Your final premium and eligibility are subject to underwriting. Each comparison shows the extraction date.
Which insurers can I compare?
The standard term comparison includes Empire Life, Equitable, Foresters, iA, Manulife and ivari, where rates are available for your profile. Canada Protection Plan no-medical products have a separate comparison.
How is QuoteCompass paid?
If you buy a policy, the insurer pays the brokerage a commission. There is no brokerage fee for comparing or asking for help.