Canada Policy Experts · Independent insurance brokerage
Life insurance.
Expert help finding
your coverage.
Compare life insurance options with an advisor who helps you understand them. Personal guidance for Canadians 50+, seniors, and anyone living with diabetes or another health condition.
No obligation. An advisor to help from questions to application.
Explore coverage. Ask questions. Make an informed choice.
- Independent brokerage
- Compare coverage options
- Help with health questions
- Support with your application
More choice. One helpful conversation.
The carriers we work with.
Explore our insurance providers. An advisor can help you compare the options available to you.
Find your starting point
Life insurance help
for your situation.
Explore guidance for your age, health history or coverage needs. Search the Learning Centre for a specific question.
Seniors →
Understand your options as you get older.
Adults over 70 →
Plan for final expenses and family support.
Living with diabetes →
Learn what insurers may consider.
Previously declined →
Explore possible next steps after a decline.
Understand your choices
Compare your life insurance options.
Learn what each type is designed to do before deciding what suits you.
How long do you need protection?
Start with the need you want your life insurance to cover.
Protection for a defined period. Check the policy’s renewal and conversion options.
Protection designed to last your lifetime, provided the policy stays in force.
Conceptual illustration, not a price comparison or a guarantee of benefits. Policy terms apply. Source: Financial Consumer Agency of Canada.
Free tools. Your numbers.
How much life insurance do you need?
Work out a starting estimate for your family. No sign-up, no contact details, and no pressure.
01 / Free planning tool
How much life insurance might I need?
Add up what your family may need, then subtract the resources already available.
Use the calculator02 / Free planning tool
How much could my family need to replace lost income?
Estimate the money needed to cover a monthly household shortfall over time.
Use the calculator03 / Free planning tool
How much should I set aside for final expenses?
Make a personal budget for one-time expenses and see what remains to be funded.
Use the calculatorAn advisor in your corner
You bring the questions.
We help with the next step.
Canada Policy Experts is an independent life insurance brokerage. We help seniors and Canadians with health conditions understand their options across the insurers we work with.
Your insurer determines the price, eligibility and approval timeline. Our role is to explain the differences and help you navigate the application.
Meet Canada Policy Experts →How it works
Three simple steps to honest quotes and an advisor in your corner.
- 1
Fill out the quote form
Tell us about your coverage goals, age and province.
- 2
Speak with a licensed advisor
We'll explain your options in plain language. No pressure, no obligation.
- 3
Apply with support
We help with your application. The insurer decides approval and confirms when coverage begins.
Learn at your own pace
Answers to common life insurance questions.
How much is enough?
Think through debts, household support and what is already covered.
Read the guide →Understand the fine print
Learn how waiting periods can affect when benefits are payable.
Read the guide →Before you request a quote
How does getting a quote work?
You tell us a little about yourself and your health, a licensed advisor compares options across the insurers we work with, and you get a plain-language rundown of what's actually available to you. There’s no obligation to move forward.
Will requesting a quote affect my credit score?
No. Requesting a quote doesn't involve a credit check, so it has no impact on your credit score.
What information do you need from me?
The basics: your age, province, roughly how much coverage you're considering, and a general picture of your health. We only ask for more detail once you're ready to move forward with an actual application.
Is my information kept private?
Yes. We use what you share to prepare your quote and, if you choose to go ahead, your application, and nothing beyond that. What we collect and how it's handled is set out in our privacy policy.
What happens after I apply?
The insurer reviews your application and, depending on the product, may follow up with a few more health questions. Many no-medical applications are decided quickly; medically underwritten policies can take longer while the insurer requests and reviews records.
Can I change my mind after I'm approved?
Yes. Most policies include a review period after approval, and you're not locked in the moment you apply. Your advisor can walk you through the specifics for whichever product you're considering.
Let’s talk about your life insurance
You don’t have to figure it out alone.
Tell us what you need to protect. We’ll help you explore your options.