Protect their future.
For less than $1/day.
Term Life Insurance is the affordable way to cover your mortgage and replace your income. Lock in your rate for 10, 20, or 30 years.
- Tax-free lump sum payout
- Rates locked in for full term
- Cancel anytime, no fees
- Coverage up to $5 Million
Get your rate today.
No medical exams for most plans. Save up to 40%.
Trusted by 20k+ Canadians
4.9/5 Average Rating
What is Term Life Insurance?
Think of it like renting protection. It provides coverage for a specific period (the "term"), usually 10, 20, or 30 years. If you pass away during this time, your beneficiaries receive a tax-free lump sum payment.
How does it work?
- 1Choose an amount (e.g., $500k) and a length (e.g., 20 years).
- 2Pay a fixed monthly premium that never increases during the term.
- 3If you die within the term, your family gets the money. If the term ends, the coverage expires.
What does it cover?
*Exclusions typically include fraud or suicide within the first 2 years of the policy.
How much does it cost?
Term life is the most affordable type of insurance. Your rate depends on:
Term vs. Whole Life
What is the difference?
Term Life
The "Rental" Approach
- Most affordable options
- Covers temporary needs (Mortgage, Kids)
- Fixed payments for set time
- No cash value
- Expires after term ends
Whole Life
The "Ownership" Approach
- Coverage for life (never expires)
- Builds cash value (investment)
- 5x - 10x more expensive
- Complex policy structure
"The peace of mind is worth every penny."
The "What If" Question.
When Michael and Elena bought their first home, they felt excitement and terror.
"We realized if something happened to one of us, the other couldn't pay the bills," says Michael.
In 10 minutes, they secured a 20-year term policy for $45/month with EverLife. Now they sleep soundly.
Real Stories from Canadians
"I was overwhelmed by options, but EverLife made it so clear. I got covered in 3 days without a medical exam."
Sarah Jenkins
Toronto, ON
"The rates were significantly lower than what my bank offered. Highly recommend checking here first."
David Chen
Vancouver, BC
"We needed coverage for our mortgage. The advisor was helpful and didn't push us to buy more than we needed."
Emily & Mark
Calgary, AB
What happens after the term ends?
Don't worry, you have options. Most policies allow you to:
Renew
Continue coverage (usually at a higher price).
Convert
Switch to Whole Life without a medical exam.
End It
Let it expire if you no longer need protection.
Frequently Asked Questions
Not sure what you need?
Our licensed advisors are salary-based, not commissioned. That means unbiased advice focused 100% on your needs.
Peace of mind costs less than you think.
Lock in your lowest rate today before you get a year older.
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