Easy to arrange
Easy to arrange

No health checks or added stress. Speak to our trusted advisors and set up your policy in a matter of minutes.

Great value
Great value

Family Life Insurance with a lump sum benefit amount up to $1.5m and monthly premiums from as little as $9.66 per month1.

Excellent service
Excellent service

We are Canada’s most trusted direct life insurance provider*. Enjoy a pressure-free service from our team of specialists.

Do I need life insurance?

Life can be unpredictable, especially when you have kids. If your family depends on you financially, it can be important to get protection in place as soon as possible. At Cover Direct, our approach to life insurance is different - it’s all about making the process easier for you, with no pressure or stress. We know you’re busy, so our coverage is available exclusively from us. This means you don’t have to waste time with unnecessary meetings, or health checks. Instead, you can get life insurance directly from us. It couldn’t be simpler.

As a Canadian resident between the ages of 18 and 70, you’re eligible to apply2. With coverage starting from just $9.66 per month1, you could take out up to $1.5m worth of coverage to ensure that your loved ones are financially protected. If you were to die suddenly, your family could use the benefit amount to help cover outstanding debts like a mortgage, car repayments or other day-to-day expenses. 

Get a Quick Quote

Service you can trust

As the most trusted direct life insurance provider in Canada*, we’re proud to say that we’ve been rated ‘Excellent’ on Trustpilot after thousands of independent reviews. We've also got excellent ratings on Google, REVIEWS.io and Feefo, where we’ve won the Gold Trusted Service Award.

Feefo Gold Trusted Service Award 2024
Trustpilot Star Rating
Canada's Most Trusted Direct Life Insurance Provider

Why choose Cover Direct? 

At Cover Direct Insurance Agency, we believe life insurance should be easy and accessible for everyone. If your family depends on you financially it’s important to get life insurance in place. If you’re a Canadian resident aged 18-70, you’re eligible to apply. Simply get a quote and our team of trusted Canadian-based experts will take it from there. They’ll be on hand to walk you through your options, answer any questions you have and help you find the right protection for your needs. 

Here are a few more reasons to choose Cover Direct: 

  • We are Canada’s most trusted direct life insurance provider*
  • Easy to apply – You can get coverage with a quick and easy process3
  • Affordable coverage – Our protection starts from as little as $9.66 per month1 
  • Exclusive to Cover Direct – Family life insurance is available exclusively from Cover Direct
  • No medicals or blood tests for approval – We only ask just a few health and lifestyle questions 
Family smiling and laughing at a phone.

Protection that works for you  

Buying the right life insurance can seem challenging if you’re not sure what’s out there. That’s where we can help. You can apply for any of our policy options once you’re a Canadian resident aged 18-702, so let’s have a look and see which one might suit you. You can also learn more in our helpful life insurance guide.

Term life insurance  

Term life insurance is a type of protection that is in place for a set number of years. With Cover Direct, you could choose a term between 10 and 30 years, depending on your age. If you die during this term your loved ones will receive a cash amount4. This type of insurance is useful if you want protection for a set period of time.

Whole of life insurance

Whole of life insurance, also known as permanent life insurance, is protection that is put in place for life. That means that as long as you keep up with your monthly payments, your loved ones will receive a cash amount when you die4. If you want the security of knowing your loved ones will have some financial help in place when you’re gone, this policy could be right for you. 

Free Info Pack

Find out more about Cover Direct Family Life Insurance in our FREE and easy to understand information pack.



The smart way to protect your family is to get Cover Direct


Based on ratings on multiple reviews platforms compared to direct competitors since 2022. See coverdirect.ca/reviews for more details.


For a 32-year-old female non-smoker with age-based premiums and $100,000 of coverage. 


Available to Canadian residents aged 18-70 only. Not yet available in Quebec. 


Policy coverage, limitations and exclusions are subject to the full Terms and Conditions. Not yet available in Quebec


Subject to the standard terms and conditions in your policy.