Set the priorities
List the people who depend on you, major debts, ongoing household costs and goals you want to discuss.
Life Insurance
Life insurance. For the people who count on you.
Make space for a clear conversation about your family, your budget and the years ahead. Explore term and permanent life insurance, understand the questions to ask, and contact us about provider availability in your province.
- Family and budget first
- Understand term & permanent
- No obligation to buy
Choose call or email next. Ask about provider availability in your province; this step does not issue a quote or start coverage.
Your life. Your coverage.Compare the details that matter to you
A little guidance goes a long way.Explore your next step with confidence
Live examples
A.M. Fredericks UnderwritingABEX o/b Affiliated Broker Exchange
Allianz Global RisksAmbri AssuranceApril Canada Inc.April MarineArthur J. Gallagher & Co
AVRO Insurance ManagersBeazley Canada LimitedBerkley Insurance CompanyBlueCross BlueShield
Burns & Wilcox CanadaCAA InsuranceCAN - Continental Insurance
Cansure Underwriting LtdCaradoc Townsend MutualChes Special Risk Inc.Chubb InsuranceChutter Underwriting Services
Core Underwriting ServicesDefinityDesjardins Financial Security Investments Inc.
Dominion of Canada/Travelers/Travelers EssentialEagle Underwriting Group Inc.Echelon
Excess Underwriting Corp.Facility Association
Forward InsuranceGlobal Aerospace Underwriting
Great-West LifeGroupAssureGroupOne Insurance
HDI Global Specialty SE
IA Excellence Life Insurance
INGLE International
Intact Public Entities
La CapitaleLiberty International CanadaLynx Insurance UnderwritersMarkel
NorthbridgeOld Republic
Optiom
PAL Insurance Brokers Canada
Premier Canada AssurancePremier MarinePremium Marine
Revolution Advanced Underwriting
SignalSignature Risks
South Western GroupSovereign GeneralSpecial Risk InsuranceSports & Fitness InsuranceSSQ AssuranceStarr Technical RisksStrategic UnderwritingSummit Underwriting Group Inc.The Boiler Inspection and Indemnity Company (BI&I)
The Totten Insurance GroupTrans Canada
TravelersTrinity Underwriting
Unique Risks
Victor Insurance
From Insurance Genie
Recent life insurance purchases
Explore recent policy purchases shared through our participating insurance professionals.
Recent policies will appear here when the Insurance Genie CRM feed is connected.
A simple next step
Start with the life you want to protect.
You do not need a perfect coverage figure to ask your first question. Bring a starting point.
Gather what you have
Prepare a summary of personal and workplace coverage and a monthly budget you feel comfortable discussing.
Find the next step
Enquire about an appropriately licensed provider in your province. Share health information through that provider’s secure process.
Insurance Genie is an information and referral platform. Ask about life-insurance provider availability; a provider and any coverage are not confirmed by this page.
How the platform works →Can I ask about life insurance before choosing a coverage amount?
Yes. Start with your province, priorities and approximate budget. You can prepare a household needs estimate before discussing a specific amount with an appropriately licensed professional. This website’s contact step does not submit an insurance application.
Will I need to share medical details here?
No. Do not put medical information in an initial enquiry email. Ask the receiving provider how to share it securely, what underwriting is required and when a decision can be expected.
Short answer
Life insurance is designed to provide a death benefit while the policy is in effect. Term insurance covers a set period; permanent insurance is designed for lifelong needs. Start with the people and obligations you want to protect, then compare policy types and their costs. FCAC’s life insurance guide explains the main differences.
Term life
Protection for a defined period. Ask how the term fits your plans and what happens at renewal.
Compare the coverage period
Whole life
A type of permanent life insurance. Review the premium commitment, cash values and any non-guaranteed features.
Review long-term affordability
Critical illness
A benefit for a condition covered by the policy. Definitions and payment requirements vary.
Check covered conditions
Disability
Income protection for a qualifying disability. Review how the policy defines disability and when benefits begin.
Compare waiting periods
Compare an actual written proposal for your circumstances. Read FCAC’s guidance on critical illness insurance and disability insurance. Availability and policy terms must be confirmed by the receiving provider.
Get it right
How much cover do you actually need?
The working number
Outstanding mortgage$540,000
Other debt$28,000
Income replacement — 10 years$820,000
Education for two children$120,000
Final expenses$25,000
Less existing group coverage−$180,000
Indicated coverage$1,353,000
Illustrative worked example. Your figure depends on your household.
- Check workplace coverage. Ask what you have now and what happens if your employment changes.
- Match the years to the need. A mortgage balance and a long-term family goal may call for different conversations.
- Make the budget sustainable. Ask about the current premium, later costs and what is guaranteed.
- Review beneficiary choices. Keep the people you intend to protect in view as your circumstances change.
Life insurance FAQ
Do I need a medical exam?
Not every application requires an exam. The insurer decides what evidence it needs based on the product and your circumstances. Sun Life explains underwriting, including questionnaires and medical evidence. Ask the provider which process applies before assuming a quick approval.
Is Insurance Genie licensed to sell life insurance?
No. Insurance Genie provides information and referral support; it is not an insurer, brokerage or agency. Ask about an appropriately licensed life-insurance provider in your province. This page does not confirm that a provider is available or that a request has been accepted.
Term or whole life?
Term provides protection for a selected period; whole life is a form of permanent insurance. Compare the purpose, budget, coverage period and policy features with a licensed professional. Neither choice is automatically right for every household. Compare the policy types with FCAC.
What if I smoke or vape?
Disclose tobacco, nicotine and vaping use accurately. Insurers define smoking status and any later reassessment differently. Ask which definition applies and what evidence a review requires. Sun Life’s smoking-status guide gives an insurer-specific example; it is not a quote or an offer through this website.
Can I get coverage with a health condition?
A health condition does not tell you the outcome by itself. The product and the insurer’s assessment matter. Ask the provider what evidence is required and whether a proposal has exclusions, a different premium or other conditions. Read how an insurer assesses an application.
A different licence, a different conversation
A clearer plan for the people you love.
Start with your priorities and your budget. Ask about life-insurance provider availability and what you need for a useful coverage conversation.
Start with your priorities and your budget. Ask about life-insurance provider availability and what you need for a useful coverage conversation.
Insurance questions for your location
Find city and town preparation guides across the provinces. Use your actual location and confirm the provider’s provincial availability.
Explore city and town guides →Be prepared
Claims scenarios: what happens next?
Hypothetical situations to help you prepare questions—not actual client claims or promises of coverage.
A beneficiary makes a claim
Scenario: The insured person dies and a beneficiary contacts the insurer.
What happens next: The insurer requests claim documents and checks the policy status, beneficiary designation and applicable terms before deciding payment.
An older policy is found
Scenario: A family discovers policy paperwork after a death.
What happens next: Contact the named insurer to establish whether coverage remained in force and what documentation is needed.
Several benefits may exist
Scenario: A family has both workplace and individual life coverage.
What happens next: Contact each provider separately. Eligibility, policy status and required evidence must be confirmed for each benefit.
Actual outcomes depend on the facts and applicable wording. Read claims guidance · Ask about the next step
