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Second-lowest factor, strong on simplified issue
ivari is a Canadian life insurer selling through advisors and brokers, and it prices almost level with Equitable in our table (0.855 vs 0.847). It is often the better route when a full medical is difficult but simplified issue is still possible.
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 | 0.855 |
| Critical-illness factor | 0.856 |
| Versus baseline (1.000) | -14.5% |
$500,000 coverage, 20-year term, male non-smoker — quoted side by side with the other five carriers.
| 25-year-old | $240–$240/yr |
| 35-year-old | $265–$265/yr |
| 45-year-old | $690–$690/yr |
| 55-year-old | $2,195–$2,195/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.
They are within about 1% of each other in our table, so the underwriting outcome usually decides it.
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.