Independent brokerage, licensed in Ontario

Life insurance that fits your life, health history included

Compare life, critical illness and disability coverage from 25 Canadian insurers. Have a health condition or a past decline? We ask insurers anonymously how they would view your situation before you apply.

Get your free quote Been declined before? See your options

FSRA-licensed advisor
No fees, ever
25 insurers compared

The anonymous pre-check

No name sent

You share your situation Your age, condition and treatment.
We ask several insurers at once An anonymized summary, not an application.
You apply where the odds are best The pre-check leaves no insurance record.

Nanthakumar Kathiravelu

Licensed insurance advisor for 35 years · FSRA #94022212

"I work with the people other advisors avoid: those charged extra for their health, put on hold or turned down."

Compare coverage from 25 Canadian insurers, including

See all 25 insurers

Hard to insure

Turned down, or charged extra for your health? That's where we start.

A health condition or a past decline doesn't put life insurance out of reach. It means which insurer you approach, and in what order, matters more.

Insurers genuinely differ. The same health history can get a regular price at one insurer and a higher one at another.
A higher price still means you're approved. Some extra charges drop off after a few years, and you can ask the insurer to lower the price once your health improves.
Check before you apply. We ask insurers about your situation without your name, so nothing goes on your insurance record before you choose where to apply.

Read the hard-to-insure guide

Guides by condition

How insurers look at common conditions, and what tends to help your application.

How it works

Three steps from quote to policy

A licensed advisor stays with you the whole way.

Compare

We help you work out how much coverage you need and show you personalized rates from Canada's top banks and insurers.
Apply

Choose the rate that fits and complete your application online.
Get covered

Upload your documents online, and your advisor takes the application from start to finish.

Get your free quote

Why GetInsuredCanada

A broker that works for you, and tells you how

25 insurers, one advisor

Compare options from 25 insurers in one place, including products banks typically don't offer.

Paid by insurers, never by you

Insurers set the premium, and we can't add a fee to it. Here's exactly how we get paid.

Your health details stay private

Your information is encrypted, and your health details are never sent to advertising platforms.

A licensed advisor replies

Email your questions and a licensed advisor answers, typically within one business day.

Not sure how much coverage you need?Run a needs analysis in a couple of minutes, no contact details required.

Open the calculator

Ready to get protected?

Get a quote in minutes, with a licensed advisor guiding you from application to policy.