Term life quotes.
Start with a price.

From our dated advisor-portal extract, the lowest shown monthly sample for a 25-year-old male non-smoker is $29.05 and at 45 it is $70.11. For a female non-smoker the same coverage is $20.25 at 25 and $50.85 at 45. These are the lowest shown across the seven insurers we track — sample rates, subject to underwriting.

Each insurer underwrites the risk itself and prices for its own target customer. The same age, sex, smoking status, coverage and term can be quoted differently by different carriers, and the ranking changes profile by profile. That is why comparing all seven at once is worth more than shopping one insurer harder.

Smoking moves the premium more than almost anything else you can change. In our extract, the lowest shown $500,000 20-year sample for a 45-year-old male smoker is $206.99 a month, and published smoker samples for that profile run up to $482.40 — against $70.11 at the lowest shown for a non-smoker of the same age. Every figure is a sample rate, subject to underwriting.

No. Every number on this site is a sample rate taken from an insurer advisor portal on a dated extract. Your final premium is set by the insurer when it underwrites your application — health, eligibility and current insurer pricing all feed into it. Treat the quote as a starting point, not an offer.

It depends on the coverage amount, your age and your health history. Medically underwritten term usually needs a health questionnaire and often paramedical screening at higher coverage. Simplified-issue and guaranteed-issue products, such as Canada Protection Plan's, ask fewer health questions and are compared separately on our no-medical page.

Your lowest shown sample rate is free. To see the full 7-insurer ranking for your exact profile, enter your name, email and phone; a licensed Ontario advisor can also call to confirm your real rate. Every figure is a sample rate, subject to underwriting.

A medically underwritten term application typically takes a few weeks from submission to a decision, depending on how quickly the medical requirements are completed. Simplified-issue products can move faster because they ask fewer health questions. A licensed advisor can tell you what a specific carrier currently needs for your profile.

Match the term to the number of years you actually need the coverage — usually a mortgage or the years your income supports someone else. Term 20 is the most common for Ontario families. We compare 10, 20 and 30-year sample rates for your own profile in the tool above; 25-year samples exist in our extract too, but only two insurers publish them, so that comparison is narrower and is covered on the Term 25 guide instead.