The life you love.A legacy that lasts.
Protect the people and possibilities that make life yours. Start with a conversation about life insurance that fits your family.
For the life you have.
And the one you imagine.
Find a starting point that feels like you, then explore the details.
Life insurance
Help protect the people who count on you, through today’s commitments and tomorrow’s changes.
Find your starting point
Universal life
Lifetime protection with a cash-value component. Understand the flexibility, costs, and investment choices.
Explore universal life
Insured Retirement Plan
Explore how universal life may play a role in retirement planning, and what borrowing against a policy involves.
Understand the strategy
Disability insurance
Consider income protection if an illness or injury prevents you from working.
Compare coverage typesBegin with real life—and see what coverage may help hold together.
Your needs may shift as your life changes. A useful conversation connects today’s commitments with tomorrow’s hopes—then looks at the policy details.
Keep a place to belong.
Consider the mortgage or rent, shared debts, and everyday costs another person may need to carry if your income were no longer there.
Protect the care behind the numbers.
Income matters, and so does unpaid care. Think about childcare, household work, education plans, and the time your family relies on.
Help the work continue.
Business owners may need to explore debts, ownership agreements, key people, or the family income connected to the business.
Leave room for what comes next.
Final costs, family support, charitable gifts, and estate goals can all shape a longer-term protection conversation.
Bring the whole life—not just a coverage number.
A useful first conversation looks at what people rely on today, what may change later, and what protection already exists. You can begin without knowing the final amount or policy type.
Start hereYour life nowPeople · plans · responsibilities
IncomeWhat would need replacing?
Home & debtMortgage, rent, loans
People & carePaid and unpaid work
Future plansEducation, business, giving
Existing coverWorkplace and personal
Budget & timeWhat can stay sustainable?
Term or permanent? You do not need to decide alone.
These labels describe broad categories, not a personal recommendation. The right fit depends on your goals, budget, eligibility, time horizon, and the actual contract.
Compare coverage clearly
A defined period
Term life
Coverage for a set number of years or to a stated age. It is often explored for time-bound needs such as income years, a mortgage, or dependent children.
- Fixed coverage period
- Typically no cash value
- Renewal terms vary
Long-term design
Permanent life
Coverage designed to last for life while the policy remains in force. Some products may build cash value and can support longer-term planning.
- Lifetime design
- Features vary by product
- Contract details matter
See where your request stands—and what happens next.
Create an account to keep your coverage requests together. The dashboard gives you a clear status, dated updates from the team, and the next step without exposing medical or payment information.
- Follow the request from received to complete
- Read customer-visible updates in one place
- Start another request when life changes
Request D2L-•••418
Protecting a home
- Received
- Follow-up
- Conversation
- Options
- Complete
What’s next: Your goals are being clarified before any insurer-specific options are discussed.
A smaller first ask. A clearer next step.
Financial decisions deserve plain language and deliberate privacy. This website gathers only enough information to route and respond to your request. Any application, underwriting, policy, price, exclusions, and approval happen later through the appropriate licensed and insurer processes.
Read independent Government of Canada guidanceWhat we ask
Your goals, province or territory, an approximate direction, and how you would like to be contacted.
What we do not ask
No medical records, banking details, payment information, identity documents, or Social Insurance Number in general web forms.
Human accountability
A request leads to a conversation. Verify the representative’s licence for your province or territory before relying on insurance advice.
Policy before promise
Read the actual contract. Product availability, eligibility, benefits, premiums, renewals, and exclusions vary.
A calmer first step, in four clear parts.
The online request is for direction—not diagnosis, underwriting, or a binding policy.
- 01
Name the life moment
Choose the people, plans, or responsibilities you want to protect.
- 02
Share a direction
Give a rough coverage range and contact preference—without medical details.
- 03
Talk it through
A representative follows up to understand your situation and next questions.
- 04
Review real details
Consider insurer options, terms, exclusions, and costs before deciding.
Good questions before you begin.
Short answers for the first step. The learning centre goes deeper when you are ready.
Visit the learning centreIs the online request an insurance application?
No. It starts a follow-up conversation. It does not issue coverage, bind a policy, confirm eligibility, or provide a final premium.
Do I need to know how much coverage I want?
No. “Not sure yet” is a valid starting point. Income, debts, care responsibilities, future goals, existing resources, and budget can all inform the discussion.
Will I need to answer health questions?
An insurer may require health or medical information during a later application or underwriting process. Do not send that information through this website’s general forms.
Can I track a guest request?
Your private dashboard is connected to requests submitted while you are signed in. Create or sign in to your account before starting if you want the request to appear there.
Start with the life behind the numbers.
Tell us what you are working toward. We’ll help make the next conversation easier to understand.