By Habib Ur Rehman Bhatti · Sources and methodology
Real rate data · Ontario
Term life insurance for a female smoker aged 67 — $1,000,000, 10-year
Compare the exact profile below using dated Ontario insurer samples. Premiums are subject to underwriting; product features and eligibility differ.
Lowest shown sample
$1128.60/mo · Empire Life
Sample rate, subject to underwriting. Not a guarantee.
Real 10-year term rates for a female smoker aged 67
| Insurer | Monthly | 12 monthly payments |
|---|---|---|
| Empire LifeLowest shown | $1128.60 | $13543.20 |
| Equitable Life of Canada | $1153.73 | $13844.76 |
| iA Financial Group | $1153.80 | $13845.60 |
| Foresters Financial | $1188.00 | $14256.00 |
| ivari | $1220.40 | $14644.80 |
| Manulife | — | Non-smoker rates only |
| Canada Protection Plan | — | Not available for this profile |
Sample premiums extracted September 10, 2026; subject to underwriting. Not all applicants qualify.
What this profile shows
For a female smoker aged 67 buying $1,000,000 of 10-year term coverage, the current QuoteCompass extract contains 5 medically underwritten insurer samples. The lowest shown sample premium is $1128.60 a month from Empire Life and the highest is $1220.40 from ivari — a difference of $91.80 a month, or $1101.60 across twelve monthly payments, for identical coverage and term. That spread exists because each insurer prices the same risk with its own underwriting rules, health-class definitions and policy features; it is not a discount and it is not a promise of savings. Every figure is a dated sample extracted September 10, 2026 from insurer advisor portals and is subject to underwriting — health, eligibility and current insurer pricing determine the final offer. No-medical products are priced and underwritten separately and are excluded from this comparison.
A 10-year initial term beginning at age 67 reaches approximately age 77. Consider when your obligations end; renewal terms and future premiums depend on the contract.
How this profile compares
The current extract publishes 9 profiles for smoking female applicants aged 62–70 buying $1,000,000 of 10-year term. Ordered by lowest shown sample, this profile sits at position 6 of 9, its own lowest shown sample being $1128.60 a month from Empire Life. The median for that peer group is $1030.50 a month, and the group runs from $720.90 at age 62 to $1471.50 at age 70. That position describes the published data only — a lower sample is not a better policy, because product features, conversion options, eligibility and underwriting differ between insurers. Every figure is a dated sample, subject to underwriting.
Frequently asked questions for a female smoker aged 67
What does a 10-year term starting at 67 actually cover?
It covers the 10 years from issue, so a policy issued to a female smoker aged 67 runs to about age 77. The premium is level for that initial period only; what happens at renewal, and at what price, depends on the contract and on the insurer's rates at the time.
Does the $1,000,000 sample depend on being female?
Yes. Insurers in Canada rate life insurance using sex where provincial rules allow, so the $1,000,000 samples published here are for a female applicant aged 67 and are not interchangeable with the male-applicant figures. Subject to underwriting.
How is smoking treated for a 67-year-old applicant?
Tobacco use is a separate rating class, and insurers normally verify it during underwriting rather than taking the application at face value. The samples on this page are for a smoker and will not match a non-smoker's. Understating tobacco use can void a policy. Subject to underwriting.
Can a 67-year-old still qualify for a 10-year term?
Insurers each set their own issue ages and medical requirements, and a 10-year term starting at 67 would run to about age 77. Availability at this age varies by insurer and depends on your answers and any medical evidence requested. Subject to underwriting.
What does the 12 monthly payments column mean for a female smoker aged 67?
It is the twelve monthly sample premiums added up, for a female smoker aged 67. It is not a quote for an annual payment plan, which an insurer may price differently.
Is $1,000,000 the right amount for this profile?
That depends on your debts, dependants, income and existing assets rather than on age alone. $1M is the face amount published for a female smoker aged 67, so it can be compared like for like; size it with the coverage calculator or an Ontario advisor before applying.
Should I also compare other term lengths at 67?
This page prices $1,000,000 of 10-year term for a female smoker aged 67. At the same coverage a shorter term usually lowers the monthly sample and ends sooner, while a longer one usually costs more and covers past age 77. The related pages below link this same profile at other terms.
Related real-rate pages
Browse every sample profile · How 10-year term works · Life insurance in Ontario · Where these numbers come from
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