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.

What is family life insurance? 

Managing a family can be both overwhelming and rewarding at the same time. We all know it’s easy to get caught up in the day-to-day. The last thing you might be thinking about right now is life insurance. After all, it can be hard to think about how your family would manage things like car repayments, a mortgage or even living expenses after you are gone. We want to make the process of getting life insurance as straightforward for you as possible.

Cover Direct Family Life Insurance is exclusive to us and available for Canadian residents aged 18 to 702. Depending on your age, you could get up to $1.5 million worth of coverage. Even better, our prices start from as little as $9.66 per month1 with no policy fees. You can get a quote directly from one of our expert advisors over the phone. There are no complicated forms, medicals or blood tests to get approved - just a few health and lifestyle questions. This is straightforward, easy-to-understand life insurance that can be purchased in just a few minutes. 

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
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How much life insurance do you need? 

At Cover Direct Insurance Agency, we’re here to help you get coverage that can give you peace of mind. In order to get an idea for how much you need, think about what you would like your life insurance policy to do. While we might not want to think about what happens when we die, a life insurance policy can be used for some very important things. Having coverage in place could help with a mortgage, car repayments or even providing savings for your children’s education.  

Depending on your age, you could get up to $1.5 million worth of coverage. There are no medicals or blood tests to get approved – just a few health and lifestyle questions. We offer our customers the flexibility to apply to make changes with no additional fees. You can easily arrange coverage in just a few minutes. If you would like an idea for how much policy coverage you might need, you can use our life insurance calculator

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Why 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 process4 
  • 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   
  • Get up to $1.5 million of coverage depending on your age  
  • Affordable coverage –  Our protection starts from as little as $9.66 per month1
  • 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 upfront5 to help keep life on track  
Call center worker smiles at the camera.

How much does life insurance cost?

Trying to balance the budget for a family can be a tough task, even at the best of times. It can sometimes be too easy to put off getting life insurance. After all, it’s not easy thinking about your own death. We are here to help you embrace the responsibility you have to your loved ones. We’ve designed our policies to be simple and straightforward, to help you get life insurance you can feel confident about. 

Some of the common factors that can impact the cost of your Cover Direct Family Life Insurance policy include:

  • Your age at the time of applying   
  • Your gender  
  • Your smoker status   
  • Your chosen benefit amount
  • Your response to health, lifestyle and occupational underwriting questions 

With Cover Direct you’ll have the flexibility to apply to make changes at any stage during the policy, for no additional fees.

Get a Quick Quote

How does Cover Direct Family Life Insurance work?  

Cover Direct’s Family Life Insurance offers your loved ones some financial support if you were to pass away unexpectedly. Even better, there are no medical checks or blood tests to get approved - just a few health and lifestyle questions. Find out more below or read our helpful life insurance guide.

Term life insurance 

Term life insurance offers coverage for a set amount of time. If you pass away during this time period, your family will receive a lump sum payout. A member of our team will help you decide on a suitable period between 10 and 30 years3.

Whole of life insurance    

Whole of life insurance, also known as permanent life insurance, offers coverage for the remainder of your life. So, if you keep up with your monthly payments, your loved ones will receive a lump sum payout when you die. This can offer you peace of mind that they have support when the time comes3.

Optional coverage 

Life is full of surprises and unfortunately, not all of them are good. If you would like greater peace of mind, we can discuss some of the optional extras with you. These optional extras will pay a tax-free lump sum amount to you, or your loved ones.

Children’s Coverage

  • Coverage of $30,000
  • Pays out for accidental death and a range of illnesses and accidental injuries. For full list of conditions please see our T&Cs 
  • Minimum age at the start date of at least 1 and maximum age at start date of 17 
  • Coverage ends when the insured child turns 21
Learn more

Critical Illness Insurance

  • Coverage of $50,000 
  • Pays out for a variety of illnesses such as Heart Attack, Cancer, Stroke and Coronary Artery Bypass grafts. For a definition of each condition please see our policy terms and conditions
  • Minimum age at the start date is 18 and maximum age at the start date is 60
  • Coverage ends when the life insured turns 70 
Learn more

Frequently asked questions

Read the most commonly asked questions about Cover Direct Family Life Insurance. 

Life insurance is a simple way to help provide some financial support for loved ones that depend on you. A life insurance policy allows you to leave behind a lump sum amount that could be used by your loved ones to pay tax bills, final expenses and other debts after you pass away. It could also be used as a gift. Depending on your age, you could apply for up to $1.5 million of coverage.

Learn more



Free Info Pack

Find out more about Cover Direct Family Life Insurance in our FREE and easy to understand information pack. It includes important information and things to consider before you buy.

Our claims process

Step 1 - Contact us

To start the claims process, simply call us or email claims@coverdirect.ca. Our claims team are highly trained and handle claims with care and compassion.

Step 2 - Submit

We will send you a claim form to be completed, signed, and returned to us. The claim will then be reviewed as quickly as possible. We may need more information, in which case the person making the claim might be contacted.

Step 3 - Payout

Once your claim is approved, we will pay the benefit amount to the person legally entitled to it. 

Family laughing and smiling at each other.

More reasons to choose Cover Direct

  • Local experts – Our experienced call centre is based right here in Canada  
  • Fast claims process – We strive to payout fast, with a straightforward claims process 
  • Worldwide coverage – You get 24/7 protection, wherever you are 
  • Immediate protection – Your coverage starts from day 1, so there’s no waiting period6 
  • Flexibility – You can apply to make changes with excellent ongoing service and no policy fees!

Please refer to our T&Cs for more detail.

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. 


Subject to the standard terms and conditions in your policy. 


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


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.