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EverLife is a digital insurance brokerage. We compare quotes from Canada's top insurance companies to find you the best rate. We are not an insurance company ourselves; we are your advocate.

No. Our service is 100% free for you. We are paid a commission by the insurance company if you choose to buy a policy, but this does not affect your premium.

Absolutely. We use bank-level encryption to protect your data and never sell your information to third-party marketers.

Term life insurance covers you for a specific period (e.g., 10, 20, or 30 years). If you pass away during that term, your beneficiaries receive a tax-free lump sum. It is the most affordable option for most families.

A general rule is 10-15x your annual income. You should also consider your debts (mortgage, loans) and future expenses (children's education).

Yes, most term policies we sell are 'convertible'. This means you can trade them in for a permanent policy later without a medical exam.

Not always. Many policies up to $1,000,000 are now 'no-medical' or 'fluid-less', meaning approval is based on a health questionnaire only.

You can still get coverage, but premiums will be higher. If you quit for 12 months, you can apply to have your premiums reduced to non-smoker rates.

Premiums are typically paid monthly via pre-authorized debit from your bank account. Some carriers allow annual payments for a discount.

Most policies have a 30-day grace period. If you pay within that time, your coverage remains active. If you miss it, the policy may lapse.