Get Quote for Life Insurance
Connect with an advisor to protect the people you love
Get the right insurance plan
Life insurance is a financial safety net. It protects your loved ones in the event that you die and your income is no longer around to support them. If you die with an active life insurance policy, your loved ones will receive a tax-free payment that they can use in any way they want.
- Flexible coverage to help protect your loved ones
- Apply easily over the phone with no medical or blood tests required
- Get 100% of your benefits upfront upon a terminal illness diagnosis.
Term Life Insurance
Get affordable life insurance coverage. Choose how long you need it.
It’s temporary coverage that can last 10, 15, 20 or more years. It’s initially a cheaper option. But your premiums typically rise if you decide to renew your policy at the end of your term.
Some term plans let you convert to permanent life insurance. Permanent insurance is more expensive than term, but most plans offer premiums that remain the same for the rest of your life.
Permanent Life Insurance
Insurance that covers you all throughout your life.
It’s insurance coverage that lasts forever and never expires. There are three types of permanent life insurance: whole life, participating, and universal life.
Some plans may also offer tax-preferred growth in your cash value and ways to increase the death benefit.
How much does life insurance cost?
It depends on the type of coverage you choose. Generally, term insurance is more affordable than permanent insurance. But there are a lot of factors that determine the cost of your policy, including:
Age
Generally, insurance is less expensive when you’re younger.
Health
Family history, chronic diseases and lifestyle can increase costs.
Gender
Women live longer than men on average, so insurance may cost less.
Occupation
If you have a dangerous job, your insurance costs can be higher.
Benefits of choosing Yinsure life insurance
Canadians in mind
Providing timely assistance to individuals aged 18 to 70, living in Canada (except Quebec). From the experienced and wise to the young at heart, we're here to help when it matters most.
Flexible coverage options
Get potential benefits ranging from $100,000 to $1.5 million, depending on your age. This funds is for various expenses such as mortgage, education, or final costs, or leave it as a financial safety net for your loved ones.
Save more with a healthy lifestyle
Embracing a healthy lifestyle pays off in more ways than one. Non-smokers enjoy the advantage of lower premiums, allowing you to protect your loved ones while also benefiting from reduced insurance costs.
Enhanced funeral benefit
Receive up to $15,000 (subject to approval) to cover urgent expenses such as funeral costs. Plan ahead and alleviate the financial burden on your loved ones, ensuring your life is celebrated as you wish.
Comprehensive coverage for all causes
Be it natural death, accidental demise, or terminal illness, our policy covers it all1. Embrace peace of mind in your daily life, knowing that you have taken measures to prepare for any unforeseen circumstances.
Terminal illness benefit
Ease your worries by receiving 100% of your benefit upfront if you are diagnosed with a terminal illness and have a life expectancy of 12 months or less1. Plan ahead and gain the confidence to live your life to the fullest.
Easily apply over the phone
Reach out to our licensed advisors for a hassle-free coverage application in just one phone call—no medical or blood tests needed. We believe in keeping things simple for you.
Optional yearly cover increase
Every loonie counts. We automatically give you the option to increase your coverage amount by 3% on your policy’s anniversary to help cover changes to your lifestyle. You may contact us to opt out at any time.
Frequently Asked Questions
It depends on your personal situation and how much money your beneficiaries will need when you die. Contact us to find out how much you might need to financially protect your loved ones.
Your premiums depend on your age, health and lifestyle habits (e.g. smoker, non-smoker, etc.) when you purchase life insurance. For example, if you’re a healthy 30-year old, your premiums may be as little as $12/month for $100,000 of coverage.
Life insurance can be a huge financial asset at any age. Generally, life insurance is cheaper to buy when you’re young and healthy.
You can’t apply for most Yinsure insurance products if you’re age 85 or older. Some products may have other age limitations. Connect with us for more detailed information.
There’s no “one-size-fits-all” type of life insurance. The kind your parents have, or that your friend just bought, may not be the best kind for you. To help choose the right type of life insurance, you need to look at:
- your personal needs and current situation,
- the stage of life you’re at, and
- what you can afford.
The cost of life insurance can vary based on your age, assigned sex at birth, health, lifestyle, and medical history. The best solution could even be having more than one type of policy.