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Term life pays a fixed benefit during the term — the most popular, cost-effective life insurance in Canada. A healthy 30-year-old non-smoker pays about $22-35/month for $500k, 20-year term.
Already have a policy or proposal? Upload it for a plain-language AI review and compare quotes from multiple insurers.
Estimates computed by the rate engine — ranges across all carriers
| Profile | T10 | T20 | T30 |
|---|---|---|---|
| Male · 30 | $20.17–$23.08 | $26.42–$30.17 | $43.08–$49.75 |
| Male · 40 | $26.00–$29.75 | $40.58–$46.83 | $78.50–$91.83 |
| Male · 50 | $58.50–$68.08 | $107.25–$125.58 | $202.25–$238.08 |
| Female · 30 | $15.58–$17.67 | $19.75–$22.25 | $31.00–$35.58 |
| Female · 40 | $18.92–$21.42 | $28.50–$32.67 | $53.08–$61.83 |
| Female · 50 | $42.67–$49.75 | $76.83–$89.75 | $143.50–$168.50 |
Illustrated annual return is an estimate only and is not guaranteed.
Life premiums do not vary by province (one national factor set), so there are no province pages here. The factor is the engine input: 1.000 is the baseline, and lower means a cheaper quote for the same profile.
Free · as fast as 30 seconds · multiple carriers