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At the table baseline — competitive but rarely the cheapest
iA Financial Group (Industrial Alliance) is a Quebec-based national insurer selling through advisors and brokers. Our table puts it right at the term-life baseline (0.998), so it usually lands mid-pack — worth including in a comparison but not the price leader.
The rate engine computes a baseline premium (age, sex, smoking, coverage and term) and multiplies it by the carrier factor. On the same profile, that factor is the entire price difference between carriers.
| Term-life factor | 0.998 |
| Critical-illness factor | 1.000 |
| Versus baseline (1.000) | -0.2% |
$500,000 coverage, 20-year term, male non-smoker — quoted side by side with the other five carriers.
| 25-year-old | $280–$280/yr |
| 35-year-old | $310–$310/yr |
| 45-year-old | $805–$805/yr |
| 55-year-old | $2,565–$2,565/yr |
Compared at 35-year-old · $500,000 · T20, taking each carrier lowest quote. Figures come from this site rate engine and move with the rate tables.
Rarely on a healthy profile, but it can win on mixed health or when another carrier surcharges.
See critical-illness pricing →
Life insurance carriers compared →
Price ranges are rate-table estimates based on public industry data and regulatory approval trends; final premiums are subject to carrier underwriting.