The 6 life insurers our rate engine prices: term-life and critical-illness factors, channel and main discounts, all from the same table.
This index covers the 6 life carriers we price. It is not a list of every licensed life insurer in Canada.
| Carrier | Term-life factor | Critical-illness factor | Channel |
|---|---|---|---|
| Equitable Life The lowest term-life factor in our table (0.847) | 0.847 | 0.848 | Advisors |
| ivari Second-lowest factor, strong on simplified issue | 0.855 | 0.856 | Advisors & brokers |
| Sun Life Large national insurer priced just below baseline (0.904) | 0.904 | 0.905 | Advisors & group plans |
| Manulife Large national insurer at 0.932 | 0.932 | 0.933 | Advisors & brokers |
| iA Financial Group At the table baseline — competitive but rarely the cheapest | 0.998 | 1.000 | Advisors & brokers |
| Canada Life Prices at the table baseline for term life (1.002), better on CI (0.953) | 1.002 | 0.953 | Advisors & brokers |
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.
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