Family having a child's birthday party.

Let us help you and your loved ones 

We understand that family is everything. It can be challenging at times but there are plenty of moments that make it all worthwhile. At Cover Direct, our highly trained advisors are ready to help you get the right coverage in place quickly. Getting your personalized no-obligation quote only takes a few minutes. With Cover Direct you won’t need to use a broker, or to go for any medicals or health checks. We know that managing a family is a full-time job, so we want to make it easy to tick life insurance off your to-do list.

As a Canadian company, Cover Direct can offer you and your loved ones our personal, expert service without the unnecessary stress. Whether it’s getting your quote or helping your loved ones with a claim, you can trust that our Canada based advisors will provide a high level of attention and care. You can have peace of mind knowing that your family has the support it needs if you’re no longer around. Find our what our customers are saying about buying direct life insurance by checking out our reviews page.

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, 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? 

You shouldn’t have to wait to get protection. With Cover Direct, you can get coverage directly through us.  Our team of experts based right here in Canada can help answer any questions you might have, get you a free quote, and help you get the right coverage for your needs.  

  • Easy to apply – You can get coverage with a quick and easy process1
  • We are Canada’s most trusted direct life insurance provider*
  • No medicals or blood tests for approval – We only ask just a few health and lifestyle questions 
  • Get up to $1.5 million of coverage depending on your age
  • Affordable coverage – Our protection starts from as little as $9.66 per month2
  • Optional extra coverage – We offer critical illness insurance and children’s coverage, so you can help prepare your family for whatever the future might hold
  • Terminal Illness coverage – If you’re diagnosed with a terminal illness, you’ll receive your full benefit amount upfront3 to help keep life on track
  • Local experts – Our experienced call centre is based right here in Canada 
  • Easy claims process – We aim to make the process as easy and straightforward as possible
  • Worldwide coverage – You get 24/7 protection, wherever you are
  • Immediate protection – Your coverage starts from day 1, so there’s no waiting period4
  • Flexibility – You can apply to make changes with excellent ongoing service and no policy fees!



Take the first steps towards securing financial support for your loved ones


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


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


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


A medical professional has to diagnose the terminal illness.


Immediate protection starts from day 1 of your policy, excluding death as a result of suicide in the first 24 months. Waiting periods may apply to Optional children's coverage and critical illness coverage, as per the policy terms and conditions.